Federal Bank Q1 FY27 Results: Net Profit Rises 37% YoY to ₹1,177 Crore
Federal Bank reported a 37% YoY rise in Q1 FY27 net profit to ₹1,177 crore, driven by strong NII growth and improving asset quality. Gross NPA declined to a 10-year low of 1.52%
Federal Bank Q1 Results 2027: Net profit rose 37% year-on-year to ₹1,177 crore in Q1 FY27, on the back of net interest income of ₹2,946 crore, up 26% YoY. Gross NPA fell to 1.52%, while net NPA dropped to 0.18%. Return on assets improved to 1.22%.
Federal Bank Q1 2027 Results: On 17 July, Federal Bank reported a 37% year-on-year rise in Q1 FY27 net profit to ₹1,177 crore, supported by a 26% increase in net interest income. Asset quality improved, with Gross NPA falling to 1.52%. Here is the detailed breakdown of Federal Bank Q1 result 2027
Federal Bank Q1 Results 2027 Highlights
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Federal Bank posted its highest-ever core net interest income and operating profit for the June quarter, while net profit climbed 37% year-on-year to ₹1,177 crore in Q1 FY27, up from ₹862 crore a year earlier. Quarterly, profit was up 3% over the adjusted ₹1,145 crore reported in Q4 FY26, after excluding a one-off item from that quarter.
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Net interest income came in at ₹2,946 crore, up 26% from ₹2,337 crore in Q1 FY26, and 8% higher than the adjusted ₹2,717 crore in the previous quarter. Net interest margin improved to 3.33%, against 2.94% a year ago and 3.20% in the March quarter on an adjusted basis.
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Asset quality showed improvement in the quarter. Gross NPA fell to 1.52%, its best level in a decade, from 1.91% a year ago and 1.62% in Q4 FY26. Net NPA dropped to just 0.18%, down from 0.48% a year earlier.
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Capital adequacy stood at 16.97%, down from 17.25% in the March quarter but still comfortably above regulatory requirements, with Tier-I capital at 15.89%. The bank added ₹1,588 crore to Tier-I capital through internal accruals during the quarter.
|
Metric |
Q1 FY27 |
Q4 FY26* |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Net Interest Income (₹ Cr) |
2,946 |
2,717 |
+8 |
2,337 |
+26% |
|
Net Profit (₹ Cr) |
1,177 |
1,145 |
+3 |
862 |
+37% |
|
NIM (%) |
3.33 |
3.20 |
+13 bps |
2.94 |
+39 bps |
|
Gross NPA (%) |
1.52 |
1.62 |
-10 bps |
1.91 |
-39 bps |
|
Net NPA (%) |
0.18 |
0.37 |
-19 bps |
0.48 |
-30 bps |
|
CASA (₹ Cr) |
1,03,163 |
1,03,390 |
Flat |
87,236 |
+18% |
|
CRAR (%) |
16.97 |
17.25 |
-28 bps |
16.03 |
+94 bps |
|
ROA (%) annualised |
1.22 |
1.24 |
-14 bps |
1.00 |
+22 bps |
|
ROE (%) annualised |
12.01 |
12.47 |
-168 bps |
10.30 |
+171 bps |
|
EPS - Diluted (₹) |
19.15 |
20.73 |
— |
14.07 |
+36% |
Source: NSE filing, Federal Bank Q1 FY27 Investor Presentation. *Q4 FY26 figures excluding one-off items, as adjusted by the bank
Federal Bank Dividend 2027 and Stock Performance Today
No dividend was announced along with the Q1 FY27 results in this filing.
Af of 17 July, 2:55 PM
Just after the results were announced, Federal Bank's share price jumped 7%. The stock is up 30% on a year-to-date (YTD) basis and has gained 63% over the one-year period from July 17, 2025, to July 17, 2026.