Federal Bank Q4 FY25: Profit up 14% to ₹1,030 cr

Overview: what the latest updates show

Federal Bank Ltd (NSE: FEDERALBNK) has reported multiple quarterly performance updates across FY25 and later quarters, highlighting profit growth, steady margins, and improving asset quality. For Q4 FY25 (quarter ended March 2025), the bank reported net profit of ₹1,030.23 crore, up 13.67% year on year from ₹906.30 crore. Net interest income (NII) rose to ₹2,377.4 crore, up 8.3% from ₹2,195.2 crore in Q4 FY24. The data set also includes sequential quarterly comparisons for Sep 2025 and Dec 2025, indicating revenue, EBITDA, and profit movements. Separately, a “net profit - last quarter” number of ₹1,123.93 crore is shown with a last updated date of Apr 28, 2026. Taken together, these inputs point to a period where operating metrics and balance sheet indicators were moving in a generally positive direction, even as the stock saw a notable one-day decline after results.

Q4 FY25 profit: year-on-year growth led by operating income

For the quarter ended March 2025 (Q4 FY25), Federal Bank reported net profit of ₹1,030.23 crore. This compares with ₹906.30 crore in the corresponding quarter of FY24, implying 13.67% growth. The bank’s NII for Q4 FY25 stood at ₹2,377.4 crore versus ₹2,195.2 crore in Q4 FY24. The same update also pegged net interest margin (NIM) at 3.12% for the quarter. In another Q4 results summary included in the provided material, the bank reported operating profit of ₹1,110 crore, with operating expenses rising 41%, including a one-time pension-related staff cost of ₹162 crore. That same summary cited net interest income at ₹2,195 crore as the bank’s “highest ever” for that period.

Sep to Dec 2025: sequential revenue, EBITDA, and profit changes

The dataset includes a sequential comparison for Dec 2025 versus Sep 2025. Revenue for Dec 2025 is stated at ₹8,503 crore compared with ₹8,321 crore in Sep 2025, a growth of 2.18%. EBITDA for Dec 2025 is stated at ₹5,908 crore compared with ₹5,802 crore in Sep 2025, up 1.83%. Net profit for Dec 2025 is stated at ₹1,123 crore versus ₹1,019 crore in Sep 2025, up 10.25%. Another set of September-quarter figures in the same material mentions operating profit of ₹1,644.2 crore, up 5.7% QoQ, and net profit of ₹955.3 crore, up 10.9% QoQ, alongside a NIM of 3.1% (up 12 bps QoQ). These September numbers are also repeated as results for the quarter ended September 30, 2025.

Asset quality: GNPA and NNPA improved in Q4 FY25

Federal Bank’s Q4 FY25 update shows improvement in key asset quality indicators on a sequential basis. Gross non-performing assets (GNPA) reduced to ₹4,375.5 crore from ₹4,553.3 crore in the previous quarter. Net NPA reduced to ₹1,040.4 crore from ₹1,131.2 crore over the same period. In ratio terms, GNPA declined to 1.84% from 1.95%, and net NPA declined to 0.44% from 0.49% sequentially. Provision cover was reported at 75.37%, excluding technical write-offs. The same package of information also referenced strong recoveries, noting almost ₹430 crore of recovery upgrades in one quarter.

Business growth and balance sheet milestones

As of March 31, 2025, Federal Bank reported total business of ₹518,000 crore (₹5.18 lakh crore). The material states this represented growth of 12.24% compared with the prior year. Deposits increased 12.32% year on year to ₹284,000 crore (₹2.84 lakh crore). Net worth increased to ₹33,122 crore, up 13.86% year on year. The bank also cited a milestone of entering the “₹4,000 crore plus” annual net profit league. Capital adequacy ratio (CAR) under Basel III norms was reported at 16.40%.

Loan book: segment-wise growth rates cited for Q4 FY25

The Q4 FY25 detail provided includes multiple segment growth markers. Retail loans increased 14.5% to ₹77,212 crore. Business banking loans rose 11.44% to ₹19,064 crore, and commercial banking loans increased 26.76% to ₹27,199 crore. Corporate loan book increased 8.39% to ₹79,774 crore. Commercial vehicle and construction equipment loans grew 34.93% to ₹4,644 crore. Gold loans and farm gold loans grew 20.93% to ₹30,505 crore.

Dividend: ₹1.20 per share referenced in multiple places

The dataset references a final dividend of ₹1.20 per share for FY2023-24 in a Q4 results headline. It also lists an upcoming dividend of ₹1.20 per share due on 22 Aug 2025. In addition, the Q4 FY25 update states the board suggested a dividend of ₹1.20 per equity share (60% of face value of ₹2), subject to approval in the ensuing AGM. These mentions collectively indicate ₹1.20 per share as the dividend figure tied to the disclosures in the provided material.

Stock reaction: shares fell 3.57% to ₹196.15

The provided material states that, at market close following the Q4 update, Federal Bank shares fell 3.57% to ₹196.15. The same section attributes the quarter’s performance to business growth, cost management, and improved asset quality, while also noting margin pressures in a rate cut environment. It also flags growth in current account balances and mid-yield segments, alongside stability achieved through asset pricing and CASA growth.

What to track in upcoming disclosures

A “net profit - last quarter” value of ₹1,123.93 crore is shown with a last updated date of Apr 28, 2026, indicating more recent profitability data beyond FY25 disclosures in the same dataset. Another headline snippet mentions the board’s approval of a fund raise of up to ₹6,000 crore through various securities, though details and timing are not expanded in the provided text. Investors typically track how NIM and operating costs evolve alongside NPA ratios and provision coverage, especially when rate conditions change. The next concrete milestones referenced here are dividend-related, including the date of 22 Aug 2025 mentioned for the ₹1.20 per share dividend.

Key numbers recap

Conclusion

Federal Bank’s disclosed metrics across Q4 FY25 and later quarterly snapshots show profit growth supported by higher NII and improved NPA ratios, alongside reported milestones in total business and annual profitability. Sequential comparisons for Sep and Dec 2025 also point to moderate revenue growth with stronger profit expansion. The bank has repeatedly referenced a ₹1.20 per share dividend in the provided material, including a specific date of 22 Aug 2025 for an upcoming payout. Future updates will be important to reconcile the newer “last quarter” net profit figure of ₹1,123.93 crore (updated Apr 28, 2026) with detailed financial statements and management commentary as they are released.