Federal Bank Q4 net profit rises 13.7% YoY to ₹1,030 cr; FY25 profit crosses ₹4,000 cr mark
Kolkata: Federal Bank on Wednesday reported a consolidated net profit of ₹1,030.23 crore for the quarter ended March 31, 2025, marking a 13.67% year-on-year rise.
For the full year, the bank’s net profit rose to ₹4,051.89 crore, crossing the ₹4,000-crore milestone for the first time.
The strong performance was backed by robust fee income and record other income, while the lender also posted its best asset quality in a decade.
Total income for the quarter increased by 13.70% YoY to ₹7,654.31 crore, and net interest income (NII) rose 8.31% to ₹2,377.44 crore.
Operating profit for the quarter stood at ₹1,465.40 crore.
Total business grew 12.24% YoY to ₹5.18 lakh crore, driven by a 12.32% rise in total deposits to ₹2.84 lakh crore and a 12.15% increase in net advances to ₹2.35 lakh crore.
On the asset quality front, Gross NPA stood at 1.84% and Net NPA at 0.44%, while provision coverage ratio (PCR) improved to 75.37%.
Return on Assets (ROA) and Return on Equity (ROE) for the quarter stood at 1.24% and 12.82%, respectively. The bank’s Capital Adequacy Ratio (CRAR) under Basel III norms was 16.40%.
Federal Bank’s board also recommended a 60% dividend (₹1.20 per share on a face value of ₹2), subject to shareholder approval at the upcoming AGM.
“As we have consistently articulated, our focus remains on profitable growth—driven by sustainable, high-quality earnings aligned with long-term value creation. This quarter’s performance is a strong validation of that approach,” said KVS Manian, Managing Director & CEO.
“It has also been a transformative year for the Bank... Crossing the twin milestones of ₹5 lakh crore in total business and ₹4,000 crore in annual net profit marks a defining moment in our journey,” he added.
Key growth highlights:
Retail advances grew 14.5% YoY to ₹77,212 crore
Commercial banking advances surged 26.76% to ₹27,199 crore
Business banking and corporate advances grew 11.44% and 8.39%, respectively
Gold loans, including ADLG, rose 20.93% to ₹30,505 crore
Federal Bank also opened 85 new outlets in FY25, taking its total to 1,589 banking outlets and 2,080 ATMs/recyclers.
It launched initiatives like the “Free the Branch” project (Project Udaan), the FedOne corporate internet banking portal, and onboarded Bollywood actor Vidya Balan as its first brand ambassador.
Support Our Journalism
We cannot do without you.. your contribution supports unbiased journalism
IBNS is not driven by any ism- not wokeism, not racism, not skewed secularism, not hyper right-wing or left liberal ideals, nor by any hardline religious beliefs or hyper nationalism. We want to serve you good old objective news, as they are. We do not judge or preach. We let people decide for themselves. We only try to present factual and well-sourced news.
