Quarterly Results Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Dec'25
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Interest Earned
6,867.50
6,742.16
6,686.63
6,648.36
6,808.73
6,577.28
6,330.88
Income On Investments
1,212.83
1,168.41
1,134.62
1,150.42
1,147.42
1,135.73
1,108.25
Interest On Balances With Rbi Other Inter Bank Funds
93.72
110.90
150.63
119.84
112.55
107.92
102.69
Interest / Discount On Advances / Bills
5,474.07
5,383.40
5,322.89
5,284.82
5,463.70
5,241.96
5,026.14
Others
86.88
79.45
78.49
93.28
85.06
91.67
93.80
Other Income
1,100.29
1,082.17
1,112.98
1,005.95
916.17
963.95
915.18
Total Income
7,967.79
7,824.33
7,799.61
7,654.31
7,724.90
7,541.23
7,246.06
Interest Expended
4,214.77
4,246.92
4,349.80
4,270.92
4,377.39
4,210.05
4,038.90
Net Interest Income
2,652.73
2,495.24
2,336.83
2,377.44
2,431.34
2,367.23
2,291.98
Total Expenditure (Excl Depreciation)
2,023.69
1,933.24
1,893.52
1,917.99
1,778.05
1,765.82
1,706.25
Employee Cost
848.65
803.44
797.61
783.84
785.15
779.57
739.72
Other Operating Expenses
1,175.04
1,129.80
1,095.91
1,134.15
992.90
986.25
966.53
Operating Profit Before Provisions and Contingencies
1,729.33
1,644.17
1,556.29
1,465.40
1,569.46
1,565.36
1,500.91
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
332.38
363.09
400.16
138.11
292.33
158.35
144.27
Profit Before Tax
1,396.95
1,281.08
1,156.13
1,327.29
1,277.13
1,407.01
1,356.64
Tax
355.74
325.82
294.38
297.06
321.69
350.32
347.11
Profit After Tax
1,041.21
955.26
861.75
1,030.23
955.44
1,056.69
1,009.53
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
1,041.21
955.26
861.75
1,030.23
955.44
1,056.69
1,009.53
Face Value
2.0
2.0
2.0
2.0
2.0
2.0
2.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
4.23
3.88
3.51
4.2
3.89
4.31
4.12
Diluted Earnings per share
4.19
3.85
3.47
4.16
3.85
4.27
4.09
Operating Profit Margin (Excl OI)
65.69%
65.94%
65.7%
69.07%
69.59%
70.75%
70.77%
Gross Profit Margin
20.34%
19.0%
17.29%
19.96%
18.76%
21.39%
21.43%
PAT Margin
15.16%
14.17%
12.89%
15.5%
14.03%
16.07%
15.95%
Net Interest Margin
3.18%
3.06%
2.94%
3.12%
3.11%
3.12%
3.16%
Return on Assets
0.29%
0.27%
0.25%
0.31%
0.29%
0.32%
0.32%
CASA (%)
32.07%
31.01%
30.35%
30.23%
30.16%
30.07%
29.27%
CASA Amount
95,498.00
89,591.00
87,236.00
85,757.00
80,345.00
80,926.00
77,884.00
Capital Adequacy Ratio (Total)
15.2%
15.71%
16.03%
16.4%
15.16%
15.2%
15.57%
Capital Adequacy Ratio (Tier 1)
13.88%
14.37%
14.69%
15.04%
13.78%
13.82%
14.17%
Provision Coverage Ratio (%)
75.14%
73.45%
74.41%
75.37%
74.21%
71.82%
70.79%
Amount of Gross NPAs
4,446.86
4,532.01
4,669.66
4,375.54
4,553.31
4,884.49
4,738.35
Amount of Net NPAs
1,068.04
1,165.16
1,157.64
1,040.38
1,131.17
1,322.29
1,330.44
% of Net NPAs
0.42%
0.48%
0.48%
0.44%
0.49%
0.57%
0.6%
% of Gross NPAs
1.72%
1.83%
1.91%
1.84%
1.95%
2.09%
2.11%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
2094.0
2082.0
2094.0
2080.0
2054.0
2052.0
2041.0
Number of Branches
1601.0
1595.0
1591.0
1589.0
1550.0
1533.0
1518.0
Quarterly Analysis Highlights - YoY
Interest Earned
YoY Growth in quarter ended Dec 2025 is 0.86% vs 18.82% in Dec 2024
Net Profit
YoY Growth in quarter ended Dec 2025 is 8.98% vs -5.10% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in quarter ended Dec 2025 is 10.19% vs 9.19% in Dec 2024
% of Net NPAs
YoY Growth in quarter ended Dec 2025 is -0.07% vs -0.15% in Dec 2024
% of Gross NPAs
YoY Growth in quarter ended Dec 2025 is -0.23% vs -0.34% in Dec 2024
Compare Quarterly Results Of Federal Bank With
Figures in Cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
6,867.50
10,417.02
-3,549.52
-34.07%
Income On Investments
1,212.83
1,526.43
-313.60
-20.54%
Interest On Balances With Rbi Other Inter Bank Funds
93.72
34.22
59.50
173.87%
Interest / Discount On Advances / Bills
5,474.07
8,775.78
-3,301.71
-37.62%
Others
86.88
80.59
6.29
7.8%
Other Income
1,100.29
2,124.97
-1,024.68
-48.22%
Total Income
7,967.79
12,541.99
-4,574.20
-36.47%
Interest Expended
4,214.77
4,924.58
-709.81
-14.41%
Net Interest Income
2,652.73
5,492.44
-2,839.71
-51.7%
Total Expenditure (Excl Depreciation)
2,023.69
5,584.06
-3,560.37
-63.76%
Employee Cost
848.65
1,601.98
-753.33
-47.02%
Other Operating Expenses
1,175.04
3,982.08
-2,807.04
-70.49%
Operating Profit Before Provisions and Contingencies
1,729.33
2,033.35
-304.02
-14.95%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
332.38
1,398.31
-1,065.93
-76.23%
Profit Before Tax
1,396.95
635.04
761.91
119.98%
Tax
355.74
132.50
223.24
168.48%
Profit After Tax
1,041.21
502.54
538.67
107.19%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
1,041.21
502.54
538.67
107.19%
Face Value
2.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
4.23
0.58
3.65
629.31%
Diluted Earnings per share
4.19
0.57
3.62
635.09%
Operating Profit Margin (Excl OI)
65.69%
32.97%
0.00
32.72%
Gross Profit Margin
20.34%
6.10%
0.00
14.24%
PAT Margin
15.16%
4.82%
0.00
10.34%
Net Interest Margin
3.18%
5.76%
-2.58
-2.58%
Return on Assets
0.29%
0.00%
0.29
0.29%
CASA (%)
32.07%
51.60%
-19.53
-19.53%
CASA Amount
95,498.00
0.00
95,498.00
Capital Adequacy Ratio (Total)
15.20%
15.84%
-0.64
-0.64%
Capital Adequacy Ratio (Tier 1)
13.88%
14.23%
-0.35
-0.35%
Provision Coverage Ratio (%)
75.14%
0.00%
75.14
75.14%
Amount of Gross NPAs
4,446.86
4,614.14
-167.28
-3.63%
Amount of Net NPAs
1,068.04
1,426.91
-358.87
-25.15%
% of Net NPAs
0.42%
0.53%
-0.11
-0.11%
% of Gross NPAs
1.72%
1.69%
0.03
0.03%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
2,094.00
0.00
2,094.00
Number of Branches
1,601.00
1,066.00
535.00
50.19%
Quarterly - Interest Earned
Interest Earned 6867.5 Cr
in Dec 2025Figures in Cr
QoQ Growth in quarter ended Dec 2025 is 1.86% vs 0.83% in Sep 2025
YoY Growth in quarter ended Dec 2025 is 0.86% vs 18.82% in Dec 2024
Quarterly - Net Profit
Net Profit 1,041.21 Cr
in Dec 2025Figures in Cr
QoQ Growth in quarter ended Dec 2025 is 9.00% vs 10.85% in Sep 2025
YoY Growth in quarter ended Dec 2025 is 8.98% vs -5.10% in Dec 2024
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,729.33 Cr
in Dec 2025Figures in Cr
QoQ Growth in quarter ended Dec 2025 is 5.18% vs 5.65% in Sep 2025
YoY Growth in quarter ended Dec 2025 is 10.19% vs 9.19% in Dec 2024
Quarterly - % of Net NPAs
% of Net NPAs 0.42%
in Dec 2025Figures in %
QoQ Growth in quarter ended Dec 2025 is -0.06% vs 0.00% in Sep 2025
YoY Growth in quarter ended Dec 2025 is -0.07% vs -0.15% in Dec 2024
Quarterly - % of Gross NPAs
% of Gross NPAs 1.72%
in Dec 2025Figures in %
QoQ Growth in quarter ended Dec 2025 is -0.11% vs -0.08% in Sep 2025
YoY Growth in quarter ended Dec 2025 is -0.23% vs -0.34% in Dec 2024
