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Federal Bank
SectorFinancial Services
Federal Bank Limited is an Indian commercial bank headquartered in Aluva, Kerala. It operates in treasury, wholesale banking, retail banking, and other banking operations. The bank offers a wide range of services including internet banking, mobile banking, bill payment, depository services, cash management, merchant banking, insurance, and mutual fund products. Federal Bank has a network of 1504 banking outlets across India, including branches in metros, rural, semi-urban and urban areas. It also has 2015 ATMs/Recyclers, a Digital Banking Unit in Kolkata, representative offices in Abu Dhabi and Dubai, and an IFSC Banking Unit in GIFT City. The bank provides retail and corporate banking services, foreign exchange operations, and treasury products. Its segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and other banking operations, serving individuals, small businesses, corporates, trusts, partnership firms, and statutory bodies.
In the news
Federal Bank's Record Profit: The Acquisition Dilemma
Federal Bank Appoints Cognizant's Rajesh Varrier as Director
Federal Bank Q2 Results: Record ₹1,386 cr profit, margin guidance
Federal Bank-Jana SFB deal nears completion, 16.9% stake sale
Karnataka HC orders bank to return ₹3.25 lakh transferred to wrong account
Brokerages Eye Federal Bank, Cyient, Varun Beverages & Gold Trading
Federal Bank-Jana SFB Deal: Citi Sees Strategic Benefits Amid Risks
Federal Bank, RBL Bank postpone dollar bond plans amid yield pressure
Travel credit cards emerge as winners after reward devaluations
Federal Bank leads banking sector with 37% profit jump, Motilal Oswal targets ₹400
Federal Bank Q1 profit jumps 36.50% to ₹1,177 cr, FCNR deposits surge
Federal Bank vs Fedbank Financial: Divergent Paths to Profitability
Federal Bank Board Approves ₹10,000 Cr Debt Fundraising Plan
Federal Bank Q1 profit surges 37% YoY to ₹1,256 crore; shares hit 52-week high
Fedbank Gets Multiple Buy Ratings: Anand Rathi Targets ₹419
Federal Bank Shares Rise 1% After Securing First S&P Investment-Grade Rating
Banks Prioritize Million-Dollar FCNR Deposits as RBI Offers 3% Cost Advantage
Federal Bank Surges 3% for Third Consecutive Session
HDFC Securities suggests Viyash Scientific, Federal Bank stocks
Top 10 Most Bought Stocks: Nvidia, Microsoft Lead May Trading
The Quarter story
The two most recent quarterly results, compared side-by-side.
Federal Bank expands its loan book and lowers funding costs while maintaining strong asset quality.
Consolidated advances grow from ₹2,41,204 Cr in Q1 FY26 to ₹2,77,498 Cr in Q1 FY27, expanding the overall loan book.
Debit card market share drops from 6% in Q1 FY26 to 5.36% in Q4 FY26, facing competitive pressure.
CASA ratio climbs from 30.35% in Q1 FY26 to 32.94% in Q4 FY26, lowering the cost of funding.
Borrowings spike from ₹16,331 Cr in Q3 FY26 to ₹21,159 Cr in Q4 FY26, reflecting strategic funding shifts.
Cost of deposits falls from 5.85% in Q1 FY26 to 5.21% in Q1 FY27, improving net interest margins.
Tier-II capital ratio falls from 1.34% in Q2 FY26 to 1.08% in Q1 FY27, reducing supplementary capital buffers.
Fedfina AUM expands from ₹15,697 Cr in Q1 FY26 to ₹21,136 Cr in Q1 FY27, driving wealth management growth.
Corporate advances share declines from 77% in Q3 FY26 to 36% in Q1 FY27, indicating portfolio diversification.
Gross NPA ratio improves from 1.91% in Q1 FY26 to 1.52% in Q1 FY27, strengthening overall asset quality.
CV/CE gross NPA rises from ₹96 Cr in Q1 FY26 to ₹120 Cr in Q3 FY26, signaling consumer credit pressure.
Company insights, generated from the most recent coverage.
Standalone Q2 FY27 profit of ₹1,386 Cr exceeds the reported Q1 or Q2 profit of every listed mid-cap private peer shown except Indian Bank (₹3,541 Cr). On absolute earnings scale Federal now sits closer to Indian Bank than to IDFC First (₹1,148 Cr) or Yes Bank (₹1,072 Cr).
P/B of 2.15 is the second-highest in its mid-cap private peer set, behind only AU SFB at 3.81 and well above IDFC First (1.40), RBL (1.34), Indian Bank (1.41) and Yes Bank (1.09). A richly valued stock is cheap acquisition currency — a share swap costs Federal far less per rupee of target value than it would cost a 1.1–1.4x P/B peer.
Business banking growth slowed to about 7% in Q1 as management prioritised portfolio health, then recovered to 12.39% in Q2. The CEO's admission that 'one or two segments need sharper execution' — without naming them — leaves business banking as the most likely self-identified gap.