What we do Fedbank Financial Services Limited is a non-banking financial company focusing on secured lending against gold and property along with wholesale lending and retail loan distribution. |
Founded in 1,995 |
Market share It is a leading NBFC with strong presence in South India and expanding pan-India with over 730 branches as of Q3 FY26. |
Problem solved Provides accessible credit facilities tailored for MSMEs, leveraging secured lending to bridge financing gaps in underserved markets. |
Top clients or who we serve Primarily serves MSMEs and retail customers across 17 states with secured gold loans, mortgage loans, and business finance; B2B and B2C segments. |
Key management - |
Our journey and innovations Since 1995, grew from regional entity to a top NBFC with expanded branch network, diversified products and strong credit ratings; launched IPO in 2023. |
Where we operate Operates mainly in India with branches across 18 states and union territories, focusing on southern and western regions expanding to north and central India. |
Top products or what we offer Offerings include Gold Loans, Small and Medium Ticket Loan Against Property (LAP), housing loans, and structured wholesale finance. |
Top brands Fedfina Gold Loan (market leader in secured gold loans), Retail Mortgage loans, Business Loans; trusted for collateralized lending solutions. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is largely recurring, driven by interest income from loan assets with steady disbursements and portfolio sell-downs. |
Our industry position Highly rated AA+/Stable credit by major agencies; strong asset quality and capital adequacy, with 30%+ AUM growth reflecting leadership in secured lending. |
Financial highlights FY25 revenue ₹2,080 Cr; net profit ₹225 Cr; asset base ₹13,250 Cr; ROA 1.8%; CRAR 21.9%; AUM ₹15,810 Cr with robust loan book growth. |
Geographical revenue split Revenues primarily from Indian market with significant penetration in southern states and expanding presence across north and west. |
Order book - |
Whats driving growth Growth driven by expansion in gold and mortgage loans, branch network growth, technology adoption, and strong capital and credit ratings. |
Our future plans Plans include further branch addition targeting 730+ outlets, digital ecosystem enhancement, continued portfolio diversification and capital raise. |
Our green promise Focuses on sustainability via ESG policies, carbon footprint reduction, and Corporate Social Responsibility programs with skill development initiatives. |
Our people and values Employs over 5,000 employees fostering inclusion, continuous learning, and leadership development with emphasis on gender diversity programs. |
Key challenges ahead Potential challenges include credit risk management amidst rapid growth, regulatory compliance, and intense competition in retail finance. |
Interesting facts Successful IPO in 2023 raised ₹1,092 Cr; recognized for lowest credit cost and highest portfolio coverage among peers. |
Risks and strategy Mitigates credit and liquidity risks through robust ALM, diversified funding, risk committees, and technology-enabled underwriting. |
