Federal Bank Share Price in Focus After Q2 FY27 Earnings Results; Q2 Profit Hits Record ₹1,386 Crore

Federal Bank reported a net profit of ₹1,386.09 crore for the September quarter, a 45.1% increase from the year-ago period. Its total business crossed ₹6.4 lakh crore, while gross advances passed ₹3 lakh crore. 

Net interest income and fee income both recorded strong growth during the quarter. The bank also reported its lowest gross and net non-performing asset ratios in a decade, according to its October 16 results release. 

Net Interest Income Rises 26.38% 

Net interest income reached ₹3,153.40 crore, up 26.38% year-on-year. Fee income increased 31.86% to ₹1,167.71 crore, while other income rose 37.73% to ₹1,490.44 crore. 

Operating profit grew 35.35% to ₹2,225.37 crore. Net interest margin improved by 26 basis points to 3.32%. 

Bad-Loan Ratios Reach Decade Lows 

Gross NPA stood at 1.32%, down 51 basis points from a year earlier. Net NPA fell to 0.17%, an improvement of 31 basis points. 

Fresh slippages declined 27.48%, while the slippage ratio dropped to 0.59% from 0.94%. The provision coverage ratio, excluding technical write-offs, increased to 86.78%. 

Gold Loans Lead Segment Growth 

Gold loans grew 37.13% year-on-year, followed by loans against property at 32.21% and credit cards at 28.27%. Commercial banking expanded 25.46%. 

Deposits rose 18.61% to ₹3,42,693.56 crore. CASA balances increased 22.56% to ₹1,09,803.15 crore, taking the CASA ratio to 32.04%. 

Read More: Onward Technologies Share Price Hits 20% Upper Circuit After Q2 FY27 Earnings Results: Total Income Up 22.2% YoY! 

Federal Bank Share Price Performance  

As of 16 October 2026, at 2:37 PM, Federal Bank Ltd share price is trading at ₹331.75 per share, reflecting a decline of 0.97% from the previous trading session. 

Conclusion 

Federal Bank's September-quarter results marked a record for quarterly profit, supported by growth in interest and fee income. Lower bad-loan ratios also featured in the results, while the bank's advances crossed ₹3 lakh crore for the first time. 

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