Fedbank Financial Services Reports No Deviation in IPO Fund Utilization for Q3 FY26

1 min read     Updated on 15 Jan 2026, 07:59 PM
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Overview

Fedbank Financial Services Limited filed its Q3 FY26 compliance statement confirming no deviation in IPO fund utilization for the quarter ended December 31, 2025. The company raised ₹1,092.26 crores through its IPO on November 29, 2023, with proceeds allocated for Tier I capital augmentation. No funds were utilized during the reporting quarter, making monitoring agency reports inapplicable.

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*this image is generated using AI for illustrative purposes only.

Fedbank Financial Services Limited has submitted its quarterly compliance statement to stock exchanges, confirming no deviation or variation in the utilization of funds raised through its Initial Public Offer (IPO) during the quarter ended December 31, 2025.

IPO Fund Details and Compliance

The company filed the statement pursuant to Regulation 32 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The filing confirms that there were no deviations or variations in respect of the utilization of IPO proceeds during the third quarter of FY26.

Parameter: Details
IPO Date: November 29, 2023
Amount Raised: ₹1,092.26 crores
Quarter Ended: December 31, 2025
Monitoring Agency: ICRA Limited
Deviation Status: No

Fund Utilization Status

According to the statement, no funds were utilized during the quarter ended December 31, 2025. Due to this non-utilization, the Monitoring Agency Report was deemed not applicable for the reporting period. The IPO proceeds are designated for augmenting the company's Tier I capital base to meet future capital requirements expected to arise from growth in the company's business and assets.

Regulatory Compliance Framework

The statement was signed by Parthasarathy Iyengar, Company Secretary & Compliance Officer, and CV Ganesh, Chief Financial Officer, as authorized signatories. The filing demonstrates the company's adherence to regulatory requirements under SEBI guidelines for listed entities.

Compliance Aspect: Status
Shareholder Approval Required: Not Applicable
Contract Terms Change: Not Applicable
Auditor Comments: Not Applicable
Audit Committee Review: Completed

The company maintains that the net proceeds continue to be allocated toward their original object of augmenting Tier I capital base, with no modifications to the original allocation or purpose. This compliance filing reinforces Fedbank Financial Services' commitment to transparent fund utilization reporting and regulatory adherence.

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Fedbank Financial Services Reports Strong Q3FY26 Results with 368% PAT Growth

2 min read     Updated on 05 Jan 2026, 07:05 PM
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Reviewed by
Jubin VScanX News Team
Overview

Fedbank Financial Services delivered outstanding Q3FY26 performance with significant growth across all key metrics. The company's AUM reached ₹17,500 crores (up 17.4% YoY), while profit after tax surged 368.6% to ₹87.9 crores. Strong operational expansion continued with 730 branches and improved returns on assets and equity.

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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.

Metric: Q3FY26 Q3FY25 YoY Growth
Assets Under Management (AUM): ₹17,500 cr ₹14,912 cr 17.4%
Disbursements: ₹8,606 cr ₹4,395 cr 95.8%
Profit After Tax: ₹87.9 cr ₹18.8 cr 368.6%
Net Total Income: ₹347.8 cr ₹311.0 cr 11.8%
Operating Profit: ₹149.4 cr ₹133.8 cr 11.7%

Balance Sheet Strength

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

Parameter: Q3FY26 Q3FY25 Change
Shareholder's Funds: ₹2,806 cr ₹2,464 cr 13.9%
Book Value per Share: ₹75.0 ₹66.1 13.5%
Return on Assets (RoA): 2.5% 0.6% 193 bps
Return on Equity (RoE): 12.7% 3.1% 966 bps
CRAR: 20.5% 21.6% -117 bps

Product Portfolio Performance

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

Product: AUM (₹ cr) YoY Growth
Mortgage: ₹9,084 cr 20.0%
Gold Loan: ₹7,905 cr 51.9%
Business Loan: ₹285 cr -85.2%

Asset Quality Metrics

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

Asset Quality: Q3FY26 Q3FY25 Change
Gross NPA: 2.1% 1.8% 27 bps
Net NPA: 1.4% 1.1% 35 bps
Credit Cost: 0.9% 3.4% -250 bps
Provision Coverage Ratio: 32.3% 42.3% -1000 bps

Operational Expansion

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

Operational Metrics: Q3FY26 Q3FY25 Growth
Branches: 730 693 5.3%
Employees: 5,085 4,761 6.8%
States and UTs: 17 17 -

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.

Historical Stock Returns for Fedbank Financial Services

1 Day5 Days1 Month6 Months1 Year5 Years
+8.82%+9.44%+23.63%+53.53%+79.66%+25.77%
Fedbank Financial Services
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