Fedbank Financial Services Q2 FY27: AUM up 36.6% YoY to ₹22,035 Cr, PAT up 63.1% to ₹130.8 Cr
Q2 FY27 AUM up 36.6% YoY to ₹22,035 Cr; profit after tax up 63.1% to ₹130.8 Cr; RoE 17.0%.
By ScoutQuest · · 1 min read
- AUM
- ₹22,035 Cr, up 36.6% YoY
- Profit After Tax
- ₹130.8 Cr, up 63.1% YoY
- RoE
- 17.0% from 12.0% a year ago
- Period
- Q2 FY27
- Positioning
- An MSME-focused, twin-engine lender (gold loans and mortgages/LAP) with ₹220 bn AUM, 831 branches across 18 states and UTs and 5,920 employees as of H1 FY27.
📈 Q2 FY27 AUM reached ₹22,035 Cr, up 36.6% YoY, with disbursements of ₹6,676 Cr (up 28.3% YoY). Profit after tax was ₹130.8 Cr, up 63.1% YoY, and net total income ₹431.5 Cr, up 33.9%.
📉 Profitability improved: RoA rose to 2.8% and RoE to 17.0% from 12.0% a year ago, while cost to income fell to 52.5%. Gross Stage 3 was 1.8% and net Stage 3 1.2%, with CRAR at 21.0%.
📌 The company describes itself as a twin-engine business: gold loan AUM of ₹11,917 Cr now exceeds non-gold AUM of ₹10,118 Cr. The presentation lists FY22-FY26 CAGR of 43.2% in disbursements and 34.3% in AUM.
🏭 Management states its vision is to empower emerging India with easy access to loans, and the presentation shows branch expansion to 831 from 757 at FY26, alongside continued sell-downs of ₹1,615 Cr in H1 FY27. Top-5 state concentration has eased to 74.5% of AUM.
Also from Fedbank Financial Services
Grant of 1.65 lakh stock options to eligible employees under ESOS-2024
23 Oct 2026
Q2 FY27 call: disbursements up 28%, PAT up 63%, ROE at 17%
23 Oct 2026
Fedbank Financial Services uploads audio recording of October 15, 2026 Earnings Conference Call
15 Oct 2026
More numbers
- AUM, Q2 FY2722,035 (₹ Cr)
- AUM growth YoY, Q2 FY2736.6%
- Disbursements, Q2 FY276,676 (₹ Cr)
- Profit after tax, Q2 FY27130.8 (₹ Cr)
- PAT growth YoY, Q2 FY2763.1%
- Net Total Income, Q2 FY27431.5 (₹ Cr)
- Return on Average Total Equity, Q2 FY2717.0%
- Gross Stage 3 assets, Q2 FY271.8%
- CRAR, Q2 FY2721.0%
- Gold loan AUM, Q2 FY2711,917 (₹ Cr)
- Total Assets, Q2 FY2718,540 (₹ Cr)
- Branches, Q2 FY27831
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