CreditBrief

What Federal Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹2.98 lakh crore (+13% since March).

Federal BankPrivate banks

₹2.65lakh crorenet advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers18thof 33 banks on CreditBrief, March 2026
Biggest segment35.1%Corporate, latest split (30 Sep 2026)
Share of the combined book1.2%of all banks on CreditBrief

Chapter 01 · The loan book

₹2.65 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Federal Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate down, and you get ₹2.65 lakh crore. By 30 Sep 2026 it was ₹2.98 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

47%People and households₹1.42 lakh croreHousingLAPAutoPersonalCredit Card
53%Businesses₹1.59 lakh croreBuB (Business Banking)Commercial (CoB)Corporate

Drilling down: what it lends against · 30 Sep 2026

  • Corporate₹1.05 lakh crore35.1%
  • Gold₹44,242 crore14.8%
  • Housing₹35,233 crore11.8%
  • Commercial (CoB)₹32,780 crore11%
  • BuB (Business Banking)₹21,419 crore7.2%
  • Other (retail)₹17,541 crore5.9%
  • LAP₹9,400 crore3.2%
  • Auto₹8,777 crore2.9%
  • Agri₹8,065 crore2.7%
  • CV/CE₹6,081 crore2%
  • Credit Card₹4,801 crore1.6%
  • Personal₹3,962 crore1.3%
  • Micro Adv₹3,908 crore1.3%

Segment amounts are read from chart labels on pages 14 and 16, and add up to each bar. They total ₹3,00,875 crore, about 0.9% above net advances, because they include corporate bonds held in place of loans. Other retail includes ₹9,438 crore of loans against FCNR deposits.

Sources: Federal Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 35 ↗ for March 2026; Federal Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 6 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 16% a year since March 2022.

From ₹1.45 lakh crore on 31 March 2022 to ₹2.65 lakh crore on 31 March 2026, and ₹2.98 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights26 figures from 6 filings · each checked against its pageHow it works
Federal Bank · loan book · 31 March 2026₹2.65lakh crore+13% in FY2025-26₹2.98 lakh crore by 30 Sep 2026
  1. 0116%a year since 2022Grew 16% a year from March 2022 to March 2026, faster than 17 of the 29 other banks with like-for-like figures for those years.
  2. 0213%in FY2025-26Growth held steady at 13% in FY2025-26, from 12% the year before.
  3. 0317thamong peersSlipped from 17th to 18th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹3.14 lakh crore+11% · in FY2025-26
Loans to deposits84.3%+1.5 pts · in FY2025-26
CASA ratio32.9%+2.7 pts · in FY2025-26
Branches1,355+5.7% · in FY2022-23
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · net advances1,44,9281,74,4472,09,4032,34,8362,64,5942,98,226
Corporate and wholesale loans₹ crore52,13364,31173,59679,77495,3671,04,666
Deposits₹ crore1,81,7012,13,3862,52,5342,83,6473,13,9093,42,694
CASA ratio%36.9432.6829.3830.2332.9432.04
BranchesNumber1,2821,355

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Federal Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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CreditBrief Insightsto you

Federal Bank, Q2 FY2026-27: loan book ₹2.98 lakh crore, +13% since March

  • ₹2.98 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate, 35% of the book
  • Every figure links to page 6 of its filing

Chapter 03 · Among its peers

18th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 1.2% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 18Federal Bank₹2.65 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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