Fedbank Financial Services Q2 FY27: Net total income Rs 431.50 cr, PAT Rs 130.80 cr

• Net Total Income (Q2 FY27): Rs 431.50 cr (Q2 FY26: Rs 322.20 cr), as per the financial information in the financials table.

• Profit After Tax (Q2 FY27): Rs 130.80 cr (Q2 FY26: Rs 80.20 cr), from the profit after tax line in the financials table.

• Net Interest Income (Q2 FY27): Rs 403.70 cr (Q2 FY26: Rs 293.90 cr), according to the net interest income line in the profit & loss statement.

• Interest Income (Q2 FY27): Rs 693.20 cr (Q2 FY26: Rs 501.10 cr), from the interest income line in the profit & loss statement.

• Interest Expenses (Q2 FY27): Rs 288.30 cr (Q2 FY26: Rs 213.80 cr), from the interest expenses line in the profit & loss statement.

• Operating Profit (Q2 FY27): Rs 205.10 cr (Q2 FY26: Rs 139.00 cr), as shown in the operating profit line in the financials table and profit & loss statement.

• Total Income proxy – Net Total Income (FY 26): Rs 1,347.30 cr, as per the FY 26 column in the financials table.

• Profit Before Tax (Q2 FY27): Rs 178.00 cr (Q2 FY26: Rs 107.50 cr), from the profit before tax line in the profit & loss statement.

• Earnings Per Share: Not disclosed in the statement of financial results within this investor presentation.

In the financials section (Q2 FY26, Q1 FY27, Q2 FY27 columns), Fedbank Financial Services Limited reported net total income of Rs 431.50 cr for Q2 FY27, up from Rs 322.20 cr in Q2 FY26. Profit after tax for the quarter stood at Rs 130.80 cr compared with Rs 80.20 cr in the corresponding quarter of the previous year. Operating profit increased to Rs 205.10 cr in Q2 FY27 from Rs 139.00 cr in Q2 FY26.

The profit & loss statement shows interest income of Rs 693.20 cr in Q2 FY27 versus Rs 501.10 cr in Q2 FY26, while interest expenses rose to Rs 288.30 cr from Rs 213.80 cr over the same period. Net interest income (core) was Rs 404.80 cr in Q2 FY27 against Rs 287.20 cr in Q2 FY26. After including net gain on direct assignment, net interest income was Rs 403.70 cr in Q2 FY27 compared with Rs 293.90 cr a year earlier. Other income was Rs 27.80 cr in Q2 FY27 versus Rs 28.30 cr in Q2 FY26, taking net total income to Rs 431.50 cr from Rs 322.20 cr.

Operating expenses for Q2 FY27 were Rs 226.40 cr, up from Rs 183.20 cr in Q2 FY26, resulting in operating profit of Rs 205.10 cr versus Rs 139.00 cr. Credit cost for the quarter was Rs 27.10 cr compared with Rs 31.50 cr in Q2 FY26. Profit before tax came in at Rs 178.00 cr in Q2 FY27 versus Rs 107.50 cr a year earlier, and tax expense was Rs 47.30 cr versus Rs 27.30 cr. This led to profit after tax of Rs 130.80 cr in Q2 FY27, up from Rs 80.20 cr in Q2 FY26, as reported in both the financials table and the profit & loss statement.