Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
13,428.79
12,908.16
10,479.81
7,649.64
6,734.96
6,932.05
6,483.55
Income On Investments
2,303.03
2,243.98
1,708.83
1,296.86
1,171.75
1,198.64
1,082.67
Interest On Balances With Rbi Other Inter Bank Funds
261.53
210.61
161.21
104.97
103.24
187.28
57.83
Interest / Discount On Advances / Bills
10,706.29
10,268.10
8,395.06
6,109.54
5,346.02
5,423.47
5,243.74
Others
157.94
185.47
214.71
138.27
113.95
122.66
99.31
Other Income
2,195.15
1,879.13
1,462.83
1,062.14
996.14
940.67
812.44
Total Income
15,623.94
14,787.29
11,942.64
8,711.78
7,731.10
7,872.72
7,295.99
Interest Expended
8,596.72
8,248.95
6,504.80
4,283.30
3,837.11
4,255.76
4,205.60
Net Interest Income
4,832.07
4,659.21
3,975.01
3,366.34
2,897.85
2,676.29
2,277.95
Total Expenditure (Excl Depreciation)
3,826.76
3,472.07
2,811.04
2,242.87
1,992.39
1,735.08
1,588.83
Employee Cost
1,601.05
1,519.29
1,243.05
1,014.95
1,100.23
983.31
838.54
Other Operating Expenses
2,225.71
1,952.78
1,567.99
1,227.92
892.16
751.77
750.29
Operating Profit Before Provisions and Contingencies
3,200.46
3,066.27
2,626.80
2,185.61
1,901.60
1,881.88
1,501.56
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
763.25
302.62
199.48
434.54
788.79
929.65
443.81
Profit Before Tax
2,437.21
2,763.65
2,427.32
1,751.07
1,112.81
952.23
1,057.75
Tax
620.20
697.43
619.76
446.70
285.26
243.84
256.84
Profit After Tax
1,817.01
2,066.22
1,807.56
1,304.37
827.55
708.39
800.91
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
1,817.01
2,066.22
1,807.56
1,304.37
827.55
708.39
800.91
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)
7.39
8.43
7.69
6.18
3.94
3.55
4.03
Diluted Earnings per share
7.32
8.36
8.2
6.14
4.04
3.55
4.0
Operating Profit Margin (Excl OI)
65.82%
70.76%
71.27%
65.0%
58.71%
61.56%
68.65%
Gross Profit Margin
18.15%
21.41%
23.16%
22.89%
16.52%
13.74%
16.31%
PAT Margin
13.53%
16.01%
17.25%
17.05%
12.29%
10.22%
12.35%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
3.2%
3.13%
3.01%
Return on Assets
0.52%
0.64%
0.66%
0.58%
0.42%
0.38%
0.51%
CASA (%)
31.01%
30.07%
31.17%
34.61%
36.16%
33.68%
31.55%
CASA Amount
89,591.00
80,926.00
72,589.00
68,873.00
62,191.00
52,785.00
44,023.00
Capital Adequacy Ratio (Total)
15.71%
15.2%
15.5%
13.84%
14.97%
14.64%
13.98%
Capital Adequacy Ratio (Tier 1)
14.37%
13.82%
13.79%
12.62%
14.09%
13.33%
12.87%
Provision Coverage Ratio (%)
73.45%
71.62%
71.03%
67.41%
65.43%
64.65%
66.16%
Amount of Gross NPAs
4,532.01
4,884.49
4,436.05
4,031.06
4,445.84
3,552.19
3,612.11
Amount of Net NPAs
1,165.16
1,322.29
1,229.81
1,262.35
1,502.44
1,218.14
1,843.64
% of Net NPAs
0.48%
0.57%
0.64%
0.78%
1.12%
0.99%
1.59%
% of Gross NPAs
1.83%
2.09%
2.26%
2.46%
3.24%
2.84%
3.07%
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
2082.0
2052.0
1937.0
1876.0
1874.0
1941.0
1942.0
Number of Branches
1595.0
1533.0
1408.0
1305.0
1272.0
1271.0
1251.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2025 is 4.03% vs 23.17% in Sep 2024
Net Profit
Growth in half year ended Sep 2025 is -12.06% vs 14.31% in Sep 2024
Operating Profit (PBDIT)
Growth in half year ended Sep 2025 is 4.38% vs 16.73% in Sep 2024
% of Net NPAs
Growth in half year ended Sep 2025 is -0.09% vs -0.07% in Sep 2024
% of Gross NPAs
Growth in half year ended Sep 2025 is -0.26% vs -0.17% in Sep 2024
Compare Half Yearly Results Of Federal Bank With
Figures in Cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
13,428.79
23,872.51
-10,443.72
-43.75%
Income On Investments
2,303.03
3,848.90
-1,545.87
-40.16%
Interest On Balances With Rbi Other Inter Bank Funds
261.53
962.68
-701.15
-72.83%
Interest / Discount On Advances / Bills
10,706.29
18,844.18
-8,137.89
-43.19%
Others
157.94
216.75
-58.81
-27.13%
Other Income
2,195.15
3,804.20
-1,609.05
-42.3%
Total Income
15,623.94
27,676.71
-12,052.77
-43.55%
Interest Expended
8,596.72
14,823.32
-6,226.60
-42.01%
Net Interest Income
4,832.07
9,049.19
-4,217.12
-46.6%
Total Expenditure (Excl Depreciation)
3,826.76
8,173.23
-4,346.47
-53.18%
Employee Cost
1,601.05
2,562.91
-961.86
-37.53%
Other Operating Expenses
2,225.71
5,610.32
-3,384.61
-60.33%
Operating Profit Before Provisions and Contingencies
3,200.46
4,680.16
-1,479.70
-31.62%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
763.25
4,360.16
-3,596.91
-82.49%
Profit Before Tax
2,437.21
320.00
2,117.21
661.63%
Tax
620.20
80.54
539.66
670.05%
Profit After Tax
1,817.01
239.46
1,577.55
658.79%
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
1,817.01
239.46
1,577.55
658.79%
Face Value
2.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
7.39
3.07
4.32
140.72%
Diluted Earnings per share
7.32
3.07
4.25
138.44%
Operating Profit Margin (Excl OI)
65.82%
47.50%
0.00
18.32%
Gross Profit Margin
18.15%
1.34%
0.00
16.81%
PAT Margin
13.53%
1.00%
0.00
12.53%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.52%
0.00%
0.52
0.52%
CASA (%)
31.01%
0.00%
31.01
31.01%
CASA Amount
89,591.00
0.00
89,591.00
Capital Adequacy Ratio (Total)
15.71%
17.10%
-1.39
-1.39%
Capital Adequacy Ratio (Tier 1)
14.37%
15.88%
-1.51
-1.51%
Provision Coverage Ratio (%)
73.45%
0.00%
73.45
73.45%
Amount of Gross NPAs
4,532.01
0.00
4,532.01
Amount of Net NPAs
1,165.16
0.00
1,165.16
% of Net NPAs
0.48%
0.00%
0.48
0.48%
% of Gross NPAs
1.83%
0.00%
1.83
1.83%
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
2,082.00
0.00
2,082.00
Number of Branches
1,595.00
0.00
1,595.00
Half Yearly - Interest Earned
Interest Earned 13428.79 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 4.03% vs 23.17% in Sep 2024
Half Yearly - Net Profit
Net Profit 1,817.01 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -12.06% vs 14.31% in Sep 2024
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 3,200.46 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 4.38% vs 16.73% in Sep 2024
Half Yearly - % of Net NPAs
% of Net NPAs 0.48%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.09% vs -0.07% in Sep 2024
Half Yearly - % of Gross NPAs
% of Gross NPAs 1.83%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.26% vs -0.17% in Sep 2024






