Fedbank Financial Services reports strong growth, strategic outlook for FY25

Fedfina reported a significant increase in its assets under management (AUM) by 29.7% to ₹158.1 bn in FY 2024-25, up from ₹121.9 bn in FY 2023-24. Disbursements rose by 38.4% to ₹187.88 bn. Total income increased by 28.1% to ₹20.8 bn from ₹16.2 bn, driven by a 19% growth in its loan book. Despite a dip in profit after tax (PAT) to ₹2.25 bn, down 8% from ₹2.45 bn due to strategic provisioning and technology investments, the company maintained a strong capital adequacy ratio (CRAR) of 21.92%, well above the RBI’s 15% threshold.

The company's strategic focus remains on secured lending, with mortgage loans constituting ₹80.6 bn (51.0% of AUM) and gold loans ₹58.8 bn (37.2% of AUM). It expanded its branch network to 694 across 18 states, aiming to enhance accessibility in underserved markets. Fedfina implemented advanced digital solutions, including a fully digital loan origination platform, to streamline processes and improve customer experience.

Shareholders will convene on Monday, September 29, 2025, for the 30th annual general meeting to approve the annual report and address key resolutions, including setting borrowing limits up to ₹18,000 crores, along with a fresh issuance of non-convertible debentures not exceeding ₹2,500 crores.