Mumbai1 hour ago
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In the Finance-Year 2024-25, the company’s profit increased by 9% to Rs 4,052 crore.
In the fourth quarter of January to March i.e. Finance-year 2024-25, Federal Bank’s profit increased by 14% to Rs 1,030 crore on an annual basis (YOY). Talking about the entire finance-year 2024-25, the company’s profit increased by 9% to Rs 4,052 crore.
From January to March 2025, Federal Bank earned a total of ₹ 7,654 crore. At the same time, the total income of the bank was Rs 30,167 crore in Finance-year 2024-25.
Are the results better than expected?
In the fourth quarter of FY 2024-25, the bank’s profit has been better than the expectation of market analysts, that is, the bank has done a better job this time.
What for the common man in the results?
The bank has announced a final dividend of Rs 1.20 per share to its shareholders for Finance-Year 2024-25. Companies give some part of their profits to their shareholders, it is called dividend or dividend.
Federal Bank’s profit up 14% in the fourth quarter of FY25
On an annual basis
| Federal bank | FY25 (January-March) | FY24 (January-March) | Change (%) |
| Earned interest | ₹ 6,648 | ₹ 5,978 | 11.2% |
| Other income | ₹ 1,006 | ₹ 754 | 33.4% |
| Total income | ₹ 7,654 | ₹ 6,732 | 13.6% |
| Total expenses | ₹ 6,189 | ₹ 5,622 | 10.0% |
| Net profit | ₹ 1,030 | ₹ 905 | 14% |
| Gross npa | ₹ 4,376 | ₹ 4,524 | -3.27% |
| Gross NPA % | 1.84% | 2.13% | , |
| Net npa | ₹ 1,040 | ₹ 1,255 | -17.1% |
| Net NPA % | 0.44% | 0.60% | , |
On a quarterly basis
| Federal bank | FY25 (January-March) | FY25 (October-December) | Change (%) |
| Earned interest | ₹ 6,648 | ₹ 6,808 | -2.35% |
| Other income | ₹ 1,006 | ₹ 916 | 9.82% |
| Total income | ₹ 7,654 | ₹ 7,725 | -0.91% |
| Total expenses | ₹ 6,189 | ₹ 6,155 | 0.55% |
| Net profit | ₹ 1,030 | ₹ 955 | 8% |
| Gross npa | ₹ 4,376 | ₹ 4,553 | -3.88% |
| Gross NPA % | 1.84% | 1.95% | , |
| Net npa | ₹ 1,040 | ₹ 1,131 | -8.04% |
| Net NPA % | 0.44% | 0.49 | , |
Note: The figures are in crores of rupees.
Federal Bank’s profit was 9% higher in 2025 compared to FY 2024
| Federal bank | FY 2025 | FY 2024 | Change (%) |
| Earned interest | ₹ 26,365 | ₹ 22,188 | 18.8% |
| Other income | ₹ 3,801 | ₹ 3,079 | 23.4% |
| Total income | ₹ 30,166 | ₹ 25,267 | 19.3% |
| Total expenses | ₹ 24,065 | ₹ 20,093 | 19.7% |
| Net profit | ₹ 4,052 | ₹ 3,720 | 9% |
| Gross npa | ₹ 4,376 | ₹ 4,528 | -3.35% |
| Gross NPA % | 1.84% | 2.13% | , |
| Net npa | ₹ 1,040 | ₹ 1,255 | -17.1% |
| Net NPA % | 0.44% | 0.60% | , |
Note: The figures are in crores of rupees.
What is a non -performing asset or NPA?
When a person or institution does not take a loan from a bank and returns it, it is called a bad loan or non -performing asset or NPA. That is, the hope of recovery of these loans is very low. As a result, banks’ money sinks and the bank goes into losses.
According to the rules of the Reserve Bank of India (RBI), if the installment of a bank loan is not paid for 90 days i.e. for three months, then that loan is declared NPA. In the case of other financial institutions, this limit is 120 days. Banks have to do this to clear the book.
How was the share performance in the last one year?
Federal Bank’s stock closed at Rs 196.15 after the result. The bank’s stock has given a return of 17% to its investors in the last one year. Its market cap is Rs 48.31 crore.
Federal Bank more than 1,518 branches in the country
Federal Bank is a private sector bank, providing banking and financial survival. This bank was established in 1931. Its head quarter is in Aluva, Kerala.
The bank’s managing director and Chief Executive Officer (CEO) is KVS Manian. Federal Bank has more than 1,518 branches in the country and more than 2042 ATMs.
