Track Federal Bank live share price with 52 week high and low, chart views, quick fundamentals, financial highlights, asset quality, shareholding pattern, peer comparison, dividends, bonus/split history and beginner-friendly investor FAQs.
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The Federal Bank Limited is a private sector bank headquartered at Aluva, Kerala. It serves retail customers, NRIs, small businesses, commercial clients and corporates through branches, digital banking channels and payment platforms.
For customers, Federal Bank is relevant for savings accounts, salary accounts, fixed deposits, debit cards, credit cards, UPI, net banking, mobile banking, remittances, loans, gold loans, business banking and NRI services. For investors, the bank is tracked through growth in deposits and advances, quality of loans, margin stability, fee income, capital adequacy and return ratios.
This page is educational. It does not provide buy, sell or hold recommendations. Always verify the latest financial results, dividend announcements, bonus/split updates and shareholding pattern from Federal Bank investor relations pages, NSE filings and BSE filings.
For banks, assets are mostly loans and investments, while liabilities are mostly deposits and borrowings. That is why investors focus on deposit growth, lending quality, net interest margin, asset quality, capital adequacy and regulatory compliance instead of only revenue and profit.
Federal Bank accepts deposits from customers and lends to retail, business, commercial and corporate borrowers. The difference between interest earned on loans and investments and interest paid on deposits is called net interest income. This is a core driver of the bank's earnings.
The bank also earns non-interest income from fees, cards, remittances, digital transactions, treasury operations, service charges, account products and distribution of third-party financial products. A balanced mix of interest income and fee income can help improve earnings quality.
Key monitorables include deposit cost, CASA deposits, loan book mix, growth in gold loans and retail loans, quality of corporate and commercial loans, net interest margin, fee income, branch productivity, digital adoption and customer retention.
Banking segment numbers should be read as a snapshot from reported results. The latest segment mix may change each quarter, so investors should verify it from the newest exchange filing before using it in analysis.
| Segment / portfolio | FY 2024-25 reported level | Why it matters |
|---|---|---|
| Retail Advances | ₹77,212.16 Cr | Retail lending can diversify the loan book but needs strong underwriting. |
| Business Banking Advances | ₹19,064.36 Cr | Small business lending can improve yield but may carry cycle-sensitive risk. |
| Commercial Banking Advances | ₹27,199 Cr | Commercial banking tracks mid-market business activity and working capital demand. |
| Corporate Advances | ₹79,773.79 Cr | Corporate credit gives scale but requires close monitoring of concentration and asset quality. |
| CV / CE Advances | ₹4,644 Cr | Vehicle and construction equipment credit can be linked to economic activity. |
| Gold Loans including ADLG | ₹30,505 Cr | Gold loans are secured but still require monitoring of collateral value and customer behaviour. |
For banks, profit and loss should be read together with asset quality. Rising profit is more meaningful when it is supported by healthy deposits, controlled credit costs, strong provisioning and sustainable margins.
| Particulars | FY 2023-24 | FY 2024-25 | Beginner-friendly meaning |
|---|---|---|---|
| Annual Net Profit | ₹3,720.60 Cr | ₹4,051.89 Cr | Profit after tax for the year; higher profit can support capital growth and dividends. |
| Total Income | ₹25,267.53 Cr | ₹30,166.50 Cr | Total income earned before expenses, provisions and taxes. |
| Total Business | ₹4,61,937.36 Cr | ₹5,18,483.86 Cr | Deposits plus advances; a broad scale indicator for a bank. |
| Net Interest Income | Use annual report for full comparison | ₹9,467.99 Cr | Core spread income earned from lending and investments after interest paid on deposits. |
| Q4 Net Profit | ₹906.30 Cr | ₹1,030.23 Cr | Quarterly profitability snapshot; compare with asset quality and margins. |
| Q4 Other Income | ₹753.88 Cr | ₹1,005.95 Cr | Fee, treasury and other non-interest income; quality and sustainability matter. |
A bank balance sheet is driven by deposits, advances, investments, capital and provisions. Beginners should focus on whether loan growth is supported by deposit growth and whether asset quality remains healthy.
| Particulars | 31 Mar 2024 | 31 Mar 2025 | What to watch |
|---|---|---|---|
| Total Deposits | ₹2,52,534.02 Cr | ₹2,83,647.47 Cr | Deposit growth supports lending growth and funding stability. |
| Net Advances | ₹2,09,403.34 Cr | ₹2,34,836.39 Cr | Loan growth should be evaluated with asset quality and risk controls. |
| Net Worth | ₹29,089.41 Cr | ₹33,121.64 Cr | A larger net worth improves capacity to absorb shocks and grow assets. |
| Gross NPA | 2.13% | 1.84% | Lower gross NPA is positive, but trend and loan mix matter. |
| Net NPA | 0.60% | 0.44% | Net stressed loans after provisions; verify each quarter. |
| Capital Adequacy Ratio | Verify annual filing | 16.40% | Capital buffer under Basel III; important for banks. |
Bank ratios help investors compare profitability, asset quality and safety. No single ratio is enough. A better approach is to compare ratios across several quarters and against similar private sector banks.
| Metric | Latest reported figure | How beginners can read it |
|---|---|---|
| Net Interest Margin | Q4 FY25: 3.12% | Shows lending spread after funding cost; compare trend over several quarters. |
| Gross NPA | Q4 FY25: 1.84% | Shows gross stressed assets as a percentage of advances. |
| Net NPA | Q4 FY25: 0.44% | Shows stressed assets after provisions; lower is generally better. |
| Provision Coverage Ratio | Q4 FY25: 75.37% | Shows how much of bad loans are covered by provisions. |
| Return on Assets | Q4 FY25: 1.24% | Shows profit generated on the asset base; important for banks. |
| Return on Equity | Q4 FY25: 12.82% | Shows profit generated on shareholder equity. |
| Capital Adequacy Ratio | Q4 FY25: 16.40% | Shows regulatory capital cushion; verify with latest Basel III disclosures. |
These are the major items beginners can track each quarter while studying Federal Bank. They are educational checkpoints and not trading signals.
Federal Bank should be compared with banks that have similar private sector banking exposure as well as larger benchmarks. Use valuation, profitability, asset quality and growth together rather than comparing only share price.
| Peer bank | NSE symbol | Why compare with Federal Bank | Investor monitorable |
|---|---|---|---|
| ICICI Bank Ltd | ICICIBANK | Large private sector benchmark with scale across retail, corporate and digital banking. | Deposit growth, NIM, asset quality, ROA, ROE and valuation premium. |
| Axis Bank Ltd | AXISBANK | Large private bank with similar multi-segment banking exposure. | Credit cost, margins, loan mix, fee income and capital position. |
| Kotak Mahindra Bank Ltd | KOTAKBANK | Private bank often compared for asset quality and premium valuation history. | Deposit franchise, profitability, growth and management transition. |
| IDFC First Bank Ltd | IDFCFIRSTB | Private bank with retail-focused growth and evolving profitability profile. | CASA trend, credit costs, ROA path and operating leverage. |
| RBL Bank Ltd | RBLBANK | Private sector bank with smaller scale and different risk-return profile. | Asset quality, capital adequacy, deposits and credit card exposure. |
| Bandhan Bank Ltd | BANDHANBNK | Bank with higher microfinance and inclusion-linked exposure than Federal Bank. | Stress in borrower segments, diversification and provisioning. |
| Year | Dividend per share | Note |
|---|---|---|
| 2025 | ₹1.20 per share | Final dividend for FY 2024-25; verify record date, ex-date and eligibility from official filings. |
| 2024 | ₹1.20 per share | Dividend history should be cross-checked with company and exchange disclosures. |
| 2023 | ₹1.00 per share | Historical dividend does not guarantee future payouts. |
| 2022 | ₹1.80 per share | Dividend depends on profits, capital needs, RBI rules and board/shareholder approval. |
| 2021 | ₹0.70 per share | Use dividend yield only with the correct share price and ex-date context. |
| Action | Detail | Note |
|---|---|---|
| Bonus issue | 1:1 bonus in 2015 | Historical corporate action; verify exact record date from NSE/BSE filings before using. |
| Earlier bonus issue | 2:1 bonus in 2004 | Older corporate actions may be adjusted in historical charts. |
| Face value split | ₹10 to ₹2 in 2013 | Stock splits change share count and face value but not business value by themselves. |
| Current face value | ₹2 per share | Confirm from the latest annual report or exchange security information. |
Always verify dividends, bonus issues, splits, face value, record date, ex-date and eligibility from official company announcements, NSE corporate actions and BSE corporate actions. Historical dividends or corporate actions do not indicate future payouts or returns.
These FAQs answer common AI-search-style questions from customers, beginners and retail investors about Federal Bank, its products, business model, risks, dividends and investment monitorables.
Federal Bank is an Indian private sector bank offering savings accounts, current accounts, fixed deposits, NRI banking, debit cards, credit cards, UPI, FedMobile, FedNet internet banking, personal loans, gold loans, home loans, business loans, corporate banking, treasury services and payment solutions.
Federal Bank trades on NSE with the symbol FEDERALBNK and on BSE with the code 500469. For Yahoo Finance compatible live chart and quote data, the NSE symbol used on this page is FEDERALBNK.NS.
Federal Bank earns money mainly from interest on loans and investments, after paying interest on deposits. It also earns fee and other income from cards, account services, loan processing, remittances, treasury, digital transactions, distribution of financial products and business banking services.
Investors commonly monitor deposit growth, loan growth, CASA ratio, net interest margin, fee income, gross NPA, net NPA, provision coverage ratio, credit cost, capital adequacy, return on assets, return on equity, digital adoption and valuation compared with other banks.
Federal Bank is a private sector bank. Its shareholding is widely held and the promoter category is generally shown as nil in market shareholding summaries. Users should verify the latest holding pattern from exchange filings before relying on any number.
Key risks include credit quality deterioration, slower deposit growth, pressure on net interest margin, higher credit costs, competition from larger banks and fintechs, regulatory changes, technology and cyber risks, interest rate movements and broader economic slowdown.
Federal Bank has paid dividends in several recent years, but dividends are not guaranteed. Dividend amount, record date, ex-date and eligibility should always be verified from the company, NSE and BSE corporate action filings.
Federal Bank has a past record of bonus and split actions, including a 1:1 bonus in 2015 and a face value split from ₹10 to ₹2 in 2013 as shown by market corporate-action databases. Users should verify historical and latest corporate actions from official exchange filings.
The share price changes throughout market hours based on demand and supply. Fundamentals refer to the underlying business performance, such as deposits, advances, income, profit, asset quality, capital adequacy, return ratios and long-term growth quality.
The 52 week high and low show the broad price range over the last year. Beginners can use it as a context tool, not as a buy or sell signal. Price should be studied together with earnings, asset quality, valuation, risk and market conditions.
Federal Bank is often compared with banks such as ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDFC First Bank, RBL Bank and other private sector banks. Useful comparison points include deposit franchise, loan mix, asset quality, margins, return ratios, digital capabilities and valuation.
Federal Bank provides digital services through official channels such as FedMobile, FedNet and other bank platforms. Customers should use only official apps or websites, verify URLs carefully and never share OTP, PIN, CVV, passwords or UPI PIN.
Federal Bank is known for NRI banking and remittance services. NRIs may evaluate NRE, NRO and FCNR accounts, inward remittance options, deposits, cards, loans and digital support. Product terms, fees and tax treatment should be checked with official bank channels and a qualified adviser where needed.
Latest financial results, shareholding pattern, dividends, corporate actions and investor announcements should be verified from Federal Bank investor relations pages, NSE filings and BSE filings. This page is educational and should not be treated as investment advice.
No. This page is designed for education, stock tracking and beginner-friendly research. It does not provide buy, sell or hold recommendations. Investors should do independent research or consult a SEBI-registered adviser before making decisions.
