Fedbank Financial Services Limited has shared its investor presentation for the third quarter ended December 31, 2025, following the scheduled earnings call with analysts and investors. The company demonstrated robust financial performance across key metrics during the quarter.

Strong Financial Performance

The company delivered exceptional growth across all major financial parameters during Q3FY26.

Balance Sheet Strength

The company maintained a strong balance sheet with improved shareholder returns and capital adequacy.

Product Portfolio Performance

The company's diversified lending portfolio showed strong growth across segments, with secured AUM comprising 98.4% of total portfolio.

Asset Quality Metrics

The company maintained healthy asset quality with controlled NPAs and adequate provisioning coverage.

Operational Expansion

Fedbank Financial Services continued its geographical expansion with enhanced operational metrics.

Regulatory Compliance

The investor presentation was shared on January 15, 2026, pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The document was digitally signed by Parthasarathy Iyengar, Company Secretary & Compliance Officer, and made available to stakeholders in connection with the earnings call scheduled for January 16, 2026.

Fedbank Financial Services Limited has completed significant corporate actions with the allotment of Non-Convertible Debentures worth ₹200 crores and 12,700 equity shares under its Employee Stock Option Plan. The Committee of Directors (Operations) approved both allotments through a circular resolution dated January 06, 2026, marking a major milestone in the company's capital raising activities.

NCD Allotment Details

The company has successfully allotted 20,000 Senior, Secured, Listed, Rated, Redeemable Non-Convertible Debentures on a private placement basis. Each NCD carries a face value of ₹1,00,000, aggregating to a total nominal value of ₹200 crores.

Security and Redemption Structure

The NCDs are secured by a first ranking pari passu charge over the loan receivables of the company. The redemption structure involves eight quarterly payments commencing after 15 months from the deemed date of allotment, providing a systematic repayment schedule for investors.

Equity Share Allotment Under ESOP

Simultaneously, the company allotted 12,700 equity shares of ₹10 each to employees under the 'Fedbank Financial Services Limited - Employees Stock Option Scheme, 2018'. This allotment has resulted in an increase in the company's paid-up share capital.

Regulatory Compliance and Background

This issuance follows the board's earlier approval granted on August 25, 2025, for issuing NCDs up to ₹2,500 crores in multiple tranches. The shareholders subsequently approved this proposal at their meeting held on September 29, 2025. The company has fulfilled all disclosure obligations under SEBI (LODR) Regulations, 2015, with notifications sent to both NSE and BSE.

Upcoming Board Meeting

Separately, the company has scheduled its Board of Directors meeting for January 15, 2026, to review and approve unaudited financial results for Q3FY26 and nine months ended December 31, 2025. The trading window remains closed from January 01, 2026, to January 17, 2026, for all designated persons and their immediate relatives in compliance with insider trading regulations.