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Fedbank Financial Services Ltd

| Audited Financial Results for the Quarter and Year Ended March 31, 2026

Report Source

⬤28th Apr 26

Summary : Fedbank Financial Services reported strong profit and asset growth with an unmodified audit opinion, despite negative operating cash flow and new regulatory liabilities.

Quarterly Report Analysis & Insights

Financial Disclosures

  1. Finance cost
  2. Fees and commission expenses
  3. Impairment on financial instruments and other receivable
  4. Employee benefit expense
  5. Depreciation and amortisation expense
  6. Other expenses
  7. Interest Income
  8. Fee and Commission Income
  9. Net Gain on fair value changes
  10. Net cash used in operating activities: (1,66,416) Lakhs.
  11. Net cash used in investing activities: (3,060) Lakhs.
  12. Net cash from financing activities: 2,30,989 Lakhs.
  13. Net increase in cash and cash equivalents: 61,513 Lakhs.
  14. Total Assets increased to 16,87,478 Lakhs (Mar 2026).
  15. Loans grew to 14,31,885 Lakhs (Mar 2026).
  16. Other Equity increased to 2,55,189 Lakhs (Mar 2026).
  17. Transactions with The Federal Bank Limited (Promoter).
  18. Transactions with Perfios Account Aggregation Services Pvt Ltd.
  19. Remuneration to MD & CEO, CFO, Company Secretary.
  20. Director Sitting Fees for Independent and Non-Executive Directors.
  21. Standalone results, no subsidiaries or joint ventures.

Corporate Overview

  1. Operates across various geographies in India.
  2. Significant related party transactions with The Federal Bank Limited (Promoter).
  3. Systemically Important Non-Deposit taking Non-Banking Finance Company (NBFC-ND-SI).
  4. Business comprises lending loans across geographies.
  5. Factual and compliant tone in financial reporting.
  6. Lending loans (primary segment).

Risk Factors

  1. Negative cash flow from operating activities.
  2. Exposure to accounts classified as Standard.
  3. Dependency on promoter, Federal Bank Limited.
  4. Regulatory changes impacting employee benefit liabilities.

Key Drivers

  1. Strong growth in net profit and revenue.
  2. Significant increase in total assets and loans.
  3. Unmodified audit opinion, regulatory compliance.
  4. Augmentation of Tier I capital base.

Auditor’s Report

  1. Unmodified opinion on financial results.

Board Commentary

  1. New Labour Codes effective November 2025 impacting employee liabilities.
  2. Utilizing public issue proceeds to augment Tier I capital.

Corporate Governance

  1. Adherence to ICAI Code of Ethics.
  2. Audit Committee reviewed financial results.

Management Discussion & Analysis

Future Strategy

  1. Augmentation of Tier I capital base for future growth.