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.
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