Fedbank Financial Services Limited (FEDFINA) has announced its financial results for the second quarter of FY27, showcasing a robust performance with a 63.1% year-on-year increase in Profit After Tax (PAT). The company, a leading retail-focused NBFC specializing in Loan Against Property and Gold Loans, reported a PAT of ₹130.8 Cr for Q2 FY27, up from ₹80.2 Cr in the same quarter last year. This impressive growth is supported by a 37.4% YoY increase in net interest income to ₹403.7 Cr and a 47.5% YoY rise in operating profit to ₹205.1 Cr.

Financial Highlights

FEDFINA’s Asset Under Management (AUM) increased by 36.6% YoY to ₹22,035 Cr in Q2 FY27, while disbursements grew by 28.3% YoY to ₹6,676 Cr. The company’s net interest income grew by 38.3% YoY to ₹404.8 Cr, and the return on average equity (ROE) stood at 17.0%, reflecting strong financial health.

Operational Growth

The company’s operational efficiency is evident with a 9.8% QoQ increase in branches, bringing the total to 831 across 18 states and union territories. The employee count also rose by 10.1% QoQ to 5,920, highlighting FEDFINA’s expansion and commitment to its workforce.

As FEDFINA continues to empower emerging India with easy access to loans, its strong financial and operational performance underscores its leadership in the NBFC sector. Looking ahead, the company remains focused on delivering sustainable growth and value to its stakeholders.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Fedbank Financial Services Limited

Fedbank Financial Services Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Fedbank gains 15.6% over three months and trades near its 52-week highs. The PEG of 0.75 signals undervaluation relative to growth. It is a potential re-rating candidate. D/E reaches 4.10. High leverage in this environment is a material risk the market cannot ignore. The stock trades at 75% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. Both the business and the stock move in the right direction. Revenue grows at 24.2%, profits at 24.0%, and the PEG sits at 0.75 — below its growth rate. That combination is rare. Check Fundamentals of Fedbank Financial Services Limited.

HDB Financial Services Limited (HDBFS) has announced its unaudited financial results for the quarter ended September 30, 2026. The company reported a Profit After Tax (PAT) of ₹780 crores, marking a significant growth of 34.2% year-on-year (YoY). Additionally, disbursements for the quarter stood at ₹18,522 crores, reflecting an 18.7% increase compared to the same period last year. Moreover, the board of directors has declared an interim dividend of ₹2 per equity share.

Financial Performance Highlights

The company’s net interest income for Q2 FY27 was ₹2,534 crores, showing a 15.6% increase YoY. Net total income rose by 11.8% to ₹3,188 crores. The pre-provisioning operating profit increased by 15.9% to ₹1,774 crores. Loan losses and provisions decreased by 2.5% to ₹730 crores. Profit before tax grew by 33.4% to ₹1,044 crores.

Asset Growth and Loan Book

The asset under management (AUM) grew by 11.6% to ₹1,24,638 crores. The gross loan book increased by 11.7% to ₹1,24,469 crores. Notably, the gross Stage 3 loans decreased to 2.43% from 2.81% a year ago, while net Stage 3 loans fell to 1.09% from 1.27%.

As a result, the provision coverage on Stage 3 assets improved to 55.00% from 54.73%. The company’s return on average assets (annualized) stood at 2.4%, and earnings per share (EPS) for the quarter were ₹9.4.

HDB Financial Services Limited continues to expand its distribution network, now spanning 1,701 branches across 1,156 cities/towns, offering a wide range of lending products through its three business verticals: Enterprise Lending, Asset Finance, and Consumer Finance.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of HDB Financial Services Limited

HDB Financial Services Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

HDB rises 10.3% over three months, with buying pressure holding steady. Industry-leading margins of 28.8% reflect exceptional pricing power and operational efficiency. The PEG of 2.47 is on the high side. However, it is acceptable for a quality compounder with a strong moat. Buyers show up with 3.4x the volume of sellers. Moreover, they dominated on 17 of recent sessions versus 13 for sellers — a healthy accumulation pattern. The business grows revenue at 14.0% and profits at 9.1%, with D/E of 0.00. The stock reflects that strength. Moreover, when fundamentals and price action align, the PEG of 2.47 premium is usually justified. Check Fundamentals of HDB Financial Services Limited.

CreditAccess Grameen Limited (NSE: CREDITACC), India’s leading rural focused inclusive financing platform, has broadened its global lender base with a USD 175 million syndicated social loan facility. This marks the fifth ECB syndication transaction successfully completed by CA Grameen over the past five years, mobilising USD 640 million till date.

Strong International Participation

Despite global macroeconomic uncertainties and heightened competition in the ECB market from FCNR (B) deposits mobilisation, the syndication transaction received strong response coupled with competitive loan pricing and secured participation from ten financial institutions across Asia and the Middle East & Africa regions.

Continued Confidence in CA Grameen’s Business Model

The transaction reflects the continued confidence of international lenders in CA Grameen’s business model and corporate governance standards. The Company currently holds around 24% of its liability profile in foreign borrowings, building a strong lender base across 15 countries.

Commenting on the transaction, Mr. Nilesh Dalvi, Chief Financial Officer, CreditAccess Grameen, remarked, “The successful closure of the USD 175 million facility at competitive pricing, amidst global macroeconomic uncertainties and heightened competition from FCNR(B) deposits mobilisation, demonstrates the strength of CA Grameen franchise and the confidence we have earned from international lenders.”

As CA Grameen continues to diversify its sources of funding, its focus remains on optimising funding costs, maintaining a robust asset-liability management (ALM) profile, and strengthening balance sheet resilience to support sustainable growth and its long-term commitment to financial inclusion.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of CREDITACCESS GRAMEEN LIMITED

CREDITACCESS GRAMEEN LIMITED belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

CREDITACCESS falls 17.1% over three months and has not found a floor yet. D/E reaches 2.94. High leverage in this environment is a material risk the market cannot ignore. Industry-leading margins of 39.8% reflect exceptional pricing power and operational efficiency. The stock holds at 30% of its 52-week range with RSI at 39. In other words, neither side has a clear edge right now. Revenue grows at 20.9% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of CREDITACCESS GRAMEEN LIMITED.