Mumbai, January 15, 2026 – Fedbank Financial Services Limited reported a sharp improvement in profitability for the quarter ended December 31, 2025, supported by steady growth in interest income, stable operating income, and controlled expenses.
The non-banking financial company posted a net profit of ₹87.9 crore in Q3 FY26, registering a 369% year-on-year growth compared with ₹18.8 crore in the corresponding quarter last year. Sequentially, profit rose 9.7% quarter-on-quarter from ₹80.2 crore reported in Q2 FY26.
Q3 FY26 Financial Performance (Standalone)
| Particulars | Q3 FY26 | Q2 FY26 | Q3 FY25 |
|---|---|---|---|
| Interest Income | ₹526.98 crore | ₹507.70 crore | ₹494.28 crore |
| Fee and Commission Income | ₹23.81 crore | ₹22.59 crore | ₹29.31 crore |
| Net Gain on Fair Value Changes | ₹4.38 crore | ₹5.09 crore | ₹6.40 crore |
| Total Revenue from Operations | ₹555.17 crore | ₹535.38 crore | ₹529.99 crore |
| Other Income | ₹0.71 crore | ₹0.61 crore | ₹2.27 crore |
| Total Income | ₹555.88 crore | ₹535.99 crore | ₹532.26 crore |
| Total Expenses | ₹437.59 crore | ₹428.52 crore | ₹507.22 crore |
| Profit Before Tax | ₹118.29 crore | ₹107.47 crore | ₹25.04 crore |
| Tax Expense | ₹30.38 crore | ₹27.32 crore | ₹6.28 crore |
| Net Profit | ₹87.91 crore | ₹80.15 crore | ₹18.76 crore |
Nine-Month Performance (April–December FY26)
For the nine months ended December 31, 2025, the company reported a net profit of ₹243.07 crore, up from ₹153.53 crore in the same period last year.| Particulars | 9M FY26 | 9M FY25 |
|---|---|---|
| Interest Income | ₹1,520.81 crore | ₹1,425.40 crore |
| Total Revenue from Operations | ₹1,607.15 crore | ₹1,525.65 crore |
| Total Income | ₹1,609.12 crore | ₹1,542.35 crore |
| Total Expenses | ₹1,283.01 crore | ₹1,337.25 crore |
| Profit Before Tax | ₹326.11 crore | ₹205.10 crore |
| Tax Expense | ₹83.04 crore | ₹51.57 crore |
| Net Profit | ₹243.07 crore | ₹153.53 crore |
Cost and Margin Highlights
- Finance costs for Q3 FY26 stood at ₹208.07 crore, lower than ₹221.26 crore in Q3 FY25.
- Employee benefit expenses increased to ₹115.57 crore in Q3 FY26 from ₹92.63 crore a year ago.
- Impairment on financial instruments declined sharply on a year-on-year basis, supporting profitability.
- Depreciation and amortisation expenses remained stable at ₹14.05 crore during the quarter.
Full-Year FY25 Snapshot
For the year ended March 31, 2025, Fedbank Financial Services reported:| Particulars | FY25 |
|---|---|
| Total Income | ₹2,079.82 crore |
| Profit Before Tax | ₹303.75 crore |
| Net Profit | ₹225.18 crore |
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