Fedbank Financial Services Ltd
Fedbank Financial Services Q2 FY27 PAT up 63.1% YoY to ₹130.8 Cr
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 15 Oct 2026, 12:43 PM IST · BSE ID: 65a3420b-b803-4f83-b257-4eb650610a69
View Original BSE Filing (PDF)
💡
In Simple Terms
Fedbank Financial Services reported higher profits and loan book growth in Q2 FY27, with increased earnings from lending activities.
🤖 AI Summary
- Profit After Tax for Q2 FY27 increased 63.1% YoY to ₹130.8 Cr, with ROA at 2.8% and ROE at 17.0%.
- Net Interest Income rose 37.4% YoY to ₹403.7 Cr in Q2 FY27; Operating Profit was up 47.5% YoY to ₹205.1 Cr.
- Asset Under Management (AUM) grew 36.6% YoY to ₹22,035 Cr as of Q2 FY27.
- Disbursements for Q2 FY27 recorded at ₹6,676 Cr, marking a growth of 28.3% YoY.
- Gross Stage III and Net Stage III increased QoQ by 27bps and 22 bps to 1.8% and 1.2% respectively.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Profit After Tax
₹130.8 Cr
63.1 %
Net Interest Income
₹403.7 Cr
37.4 %
Operating Profit
₹205.1 Cr
47.5 %
Asset Under Management
₹22,035 Cr
36.6 %
Disbursements
₹6,676 Cr
28.3 %
Return on Average Assets (ROA)
2.8 %
43 bps
Return on Average Equity (ROE)
17.0 %
496 bps
🏢 How This Affects the Company
The company's AUM growth of 36.6% YoY and disbursement growth of 28.3% YoY indicate expansion in its core lending business for Loan Against Property and Gold Loans.
Profit After Tax increased by 63.1% YoY to ₹130.8 Cr, driven by a 37.4% YoY rise in Net Interest Income, contributing to a Return on Assets of 2.8% and Return on Equity of 17.0%.
The expansion to 831 branches across 18 states and union territories reflects an increased operational footprint and reach for its retail-focused lending model.
Gross Stage III and Net Stage III increased by 27bps and 22 bps QoQ to 1.8% and 1.2% respectively, indicating a rise in non-performing assets during the quarter.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results press release.
👤
Who Is Affected
All shareholders are affected as the company's financial performance indicators, such as Profit After Tax and Return on Equity (17.0% in Q2 FY27), reflect the operational health and profitability of their investment.
🔍
Management Signal
The focus on achieving strong YoY growth in PAT, NII, and AUM, alongside expanding the branch network, signals management's intent for continued business expansion and profitability.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — monitor AUM growth and asset quality trends.
Next board meeting outcome — check for any dividend declarations or strategic announcements.
Credit cost trajectory — verify if Q2 FY27's 0.6% cost is maintained or improves.
MEDIUM RISK
Increase in Gross Stage III and Net Stage III QoQ indicates a slight deterioration in asset quality.
💡 Investor Takeaway
Fedbank Financial Services reported Q2 FY27 Profit After Tax of ₹130.8 Cr, up 63.1% YoY. Net Interest Income increased 37.4% YoY to ₹403.7 Cr. AUM grew 36.6% YoY to ₹22,035 Cr. Disbursements for the quarter were ₹6,676 Cr, a 28.3% YoY growth.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax for Q2 FY27 grew 63.1% YoY to ₹130.8 Cr, indicating strong earnings performance and efficiency.
- Asset Under Management increased by 36.6% YoY to ₹22,035 Cr, reflecting robust business expansion and customer acquisition.
⚠️ Concerns
- Gross Stage III increased QoQ by 27bps to 1.8%, and Net Stage III increased QoQ by 22 bps to 1.2%.
- Net Gain on Direct Assignment showed a YoY decline of -117.7% for Q2 FY27 and -1310.2% for H1 FY27.
📅 Company Track Record
Fedbank Financial Services previously reported a Q1 FY27 PAT increase of 52.5% YoY to ₹114.4 Cr and AUM growth of 34.7% YoY. For FY26, PAT surged 52.6% to ₹343.6 Cr, and AUM grew 27.5% to ₹20,153 Cr, demonstrating consistent growth across recent periods.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Fedbank Financial Services' Profit After Tax in Q2 FY27?
Fedbank Financial Services reported a Profit After Tax of ₹130.8 Cr for Q2 FY27, which is a 63.1% increase year-over-year.
What was the Asset Under Management (AUM) for Fedbank Financial Services in Q2 FY27?
The Asset Under Management for Fedbank Financial Services increased by 36.6% YoY to ₹22,035 Cr in Q2 FY27.
How much did Fedbank Financial Services disburse in Q2 FY27?
Disbursements for Fedbank Financial Services in Q2 FY27 amounted to ₹6,676 Cr, representing a growth of 28.3% YoY.
What were the Net Interest Income and Operating Profit for Fedbank Financial Services in Q2 FY27?
Net Interest Income was ₹403.7 Cr, up 37.4% YoY, and Operating Profit was ₹205.1 Cr, up 47.5% YoY, in Q2 FY27.
What were the Gross Stage III and Net Stage III figures for Fedbank Financial Services in Q2 FY27?
Gross Stage III was 1.8% and Net Stage III was 1.2% in Q2 FY27, showing QoQ increases of 27bps and 22bps respectively.
Questions based on this BSE filing only. For information purposes.