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Federal Bank Share Price in Focus; Reports 9% Credit Growth in Q1 FY26 Results

Written by: Nikitha DeviUpdated on: 4 Aug 2025, 5:18 pm IST
Federal Bank share price in focus. Q1 FY26 results show 8.58% growth in total business, 9% credit growth, and ₹861.75 crore net profit; NIM stood at 2.94%.
Federal Bank Share Price in Focus; Reports 9% Credit Growth in Q1 FY26 Results
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Federal Bank has reported financial performance for the quarter ended 30th June 2025, with steady growth across business segments, healthy margins, and improved profitability.

Growth in Total Business

The Bank's total business (deposits + advances) surged to ₹5,28,640.65 crore, marking a YoY growth of 8.58% from ₹4,86,871.33 crore in Q1 FY25. This expansion strengthens Federal Bank’s position as the 6th largest private sector bank in India.

Credit Growth Across Segments

On the asset side, net advances stood at ₹2,41,204.34 crore, up 9% YoY from ₹2,20,806.64 crore. Key segments driving this growth include:

  • Retail Advances: ₹81,046.54 crore (↑15.64%)
  • Business Banking: ₹19,193.95 crore (↑6.29%)
  • Commercial Banking: ₹25,028 crore (↑30.28%)
  • Corporate Advances: ₹83,680.44 crore (↑4.47%)
  • CV/CE Loans: ₹4,858 crore (↑30.31%)

Stable Deposit Base

Total deposits grew by 8.03% YoY, reaching ₹2,87,436.31 crore as of June 30, 2025, compared to ₹2,66,064.69 crore a year earlier. This consistent growth indicates continued customer trust and a strong retail base.

Income, Profitability & Margins

  • Operating Profit: ₹1,556.29 crore (↑4% YoY)
  • Net Profit: ₹861.75 crore
  • Total Income: ₹7,799.61 crore (↑7.64% YoY)
  • Net Interest Income (NII): ₹2,336.83 crore (↑1.96% YoY)
  • Net Interest Margin (NIM): 2.94%
  • Annualised EPS: ₹14.07

Capital & Net Worth

Federal Bank’s net worth rose 12.19% YoY to ₹33,994.08 crore, while the Capital Adequacy Ratio (CRAR) stood at a comfortable 16.03%, well above regulatory requirements.

Federal Bank Share Price Performance

On August 4, 2025, Federal Bank share price (NSE: FEDERALBNK) opened at ₹185.80, down from its previous close of ₹196.06. At 10:38 AM, the share price of Federal Bank was trading at ₹194.38, down by 0.86% on the NSE.

Also ReadFederal Bank Approves ₹6,000 Crore Fundraising Plan via Equity and Debt!

Conclusion

Federal Bank’s Q1 FY26 performance reflects consistent growth in both advances and deposits, backed by stable margins and profitability. With a healthy capital position and diversified loan book, the bank is well-placed to navigate future challenges and capitalise on emerging opportunities in India’s growing banking sector.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Published on: Aug 4, 2025, 11:47 AM IST

Nikitha Devi

Nikitha is a content creator with 7+ years of experience in the financial domain. Specialising in personal finance, investments, and market insights, Nikitha simplifies complex financial topics, making them accessible to readers.

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