
Federal Bank

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About Federal Bank

Federal Bank, one of the leading private sector banks with presence across the country, began its journey from humble backgrounds to reach the stature of an institution with national prominence & character. With a rich legacy of 7 decades, the Bank aspires to be the most admired Bank in the country and fueling its dreams are the 18.5 million and growing customer base who have always been loyal to the Bank as the Bank is to them. Headquartered in Aluva, Kerala, the Bank’s scrips are widely held and are listed in the Bombay Stock Exchange and National Stock Exchange in India. The Bank’s global depository receipts are listed on the London Stock Exchange. The Bank has built its empire on the twin values of ethics and excellence, and this has propelled the Bank throughout its journey.
Over 1,518 branches, 2042+ ATMs/ Cash Recyclers and a committed, experienced & energetic workforce, Federal Bank now has its presence across the nation. To service the NRIs, who have been its pillars of strength, the Bank operates Representative Offices at Dubai and Abu Dhabi in the UAE. The Bank today handles one fifth of the total NR remittance to the country and this is testimony to its relationship with the NR diaspora. The Bank also has an IFSC Banking Unit (IBU) in Gujarat International Finance Tec-City (GIFT City).
Transformation is inevitable and for Federal Bank it has been no different. The Bank believes in transforming itself, keeping its principles intact, to match the beats of the industry and the expectations of its stakeholders. Technology is the new buzzword, and it has left its indelible mark in the banking industry as well.
Disclaimer: Federal Bank advices against sharing any confidential information on social media handles of the Bank
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Overall Rating | 3.8/5 based on 969 reviews | 4.0/5 based on 43.1k reviews | 3.8/5 based on 45.1k reviews ![]() | 3.7/5 based on 29.2k reviews ![]() |
Highly Rated for | Salary Job security | Job security Skill development Work-life balance | Job security Skill development | ![]() No highly rated category |
Critically Rated for | Promotions Work satisfaction | ![]() No critically rated category | Promotions | Promotions |
Primary Work Policy | Work from office 95% employees reported | Work from office 91% employees reported | Work from office 84% employees reported | Work from office 79% employees reported |
Rating by Women Employees | 3.8 Good rated by 240 women | 3.9 Good rated by 11.5k women | 3.7 Good rated by 9.7k women | 3.6 Good rated by 6.3k women |
Rating by Men Employees | 3.8 Good rated by 674 men | 4.0 Good rated by 29.9k men | 3.9 Good rated by 33.3k men | 3.7 Good rated by 21.7k men |
Job security | 4.1 Good | 4.1 Good | 4.0 Good | 3.6 Good |
Federal Bank Salaries
Probationary Officer

Relationship Manager

Officer

Credit Analyst

Associate Vice President

Credit Manager

Clerk

Branch Head and Manager

Branch Head

Branch Manager

Federal Bank Interview Questions
Federal Bank News
'Ambitious With A Stretch, Not Aggressive', Says Federal Bank’s Manian On Growth Strategy
- Federal Bank's MD & CEO, KVS Manian, emphasizes on a 'ambitious with a stretch' growth strategy.
- Manian focuses on staying 'mass affluent' and developing core banking areas further.
- He aims to fortify Federal Bank's pan-India identity through strategic growth initiatives.
- The bank's strategy includes building low-cost liabilities, growing middle-yielding assets, and enhancing fee income.
- Federal Bank plans for cautious growth without significantly increasing risky assets on its balance sheet.

Federal Bank Q1 Review — Rise In Provisions Impact Earnings, Says Dolat Capital Maintaining 'Add'
- Federal Bank reported in-line net interest income growth of 3% YoY, with a decline in net interest margin due to various factors such as faster re-pricing of loans.
- The bank's pre-provision operating profit was supported by strong treasury gains, but PAT was impacted by a rise in credit costs, mainly due to MFI slippages.
- FY26 credit cost guidance has been raised, and the bank foresees provisions to continue for MFI-related issues over Q2/Q3.
- Dolat Capital maintains an 'Accumulate' rating for Federal Bank with a target price of Rs 210, highlighting the limited seasoning of newer retail portfolios as a key risk.

Federal Bank's Agri-MFI Trends To Improve Gradually, Higher Growth Seen In Q2: Exec Director
- Federal Bank's executive director mentioned that provisions will improve from the December quarter and slippages are expected to get better from the September quarter.
- The bank's Q1 profitability was impacted by MFI slippages and higher credit costs, with the slippage ratio rising to 1.11% sequentially.
- Fresh slippages, mainly from the MFI book and seasonal stress in the agriculture portfolio, led to higher contributions. However, there is optimism that the worst in agri MFI slippages is in the past.
- The second quarter is expected to see higher growth rates for Federal Bank, with a focus on identified segments and a decrease in the cost of deposits.

Federal Bank shares dive 5% amid MFI stress, Q1 profit dips
- Federal Bank's Q1 profit dipped to ₹861.75 crore from ₹1,009.53 crore in the previous year.
- Gross NPA rose to 1.91% and Net NPA to 0.48%. Credit costs increased to 65 bps, with net interest margin at 2.94%.
- Bank's fee income reached a record high and CASA ratios improved. Credit costs driven by Agri and MFI sectors expected to stabilize.
- Brokerages are cautious, reducing target prices due to MFI and credit cost stress. Shares traded flat at ₹194.40 on the BSE at 10.39 am.

Federal Bank Q1 Results: Profit Down 15% On Core-Income Challenges
- Federal Bank's net profit declined by 15% to Rs 862 crore in the June quarter due to a compression in margins impacting core income.
- The bank reported a credit growth of 9% but saw a decrease in core net interest income growth, rising only by 2% to Rs 2,337 crore.
- The bank's managing director expects NIMs to hit bottom in the September quarter before rising to over 3% levels with higher credit growth anticipated in the second half of the fiscal year.
- The bank's overall capital adequacy ratio stood at 16.03% with the core buffer at 14.69% as of June 30, 2025, and it anticipates growth in the gold loan book and corporate exposure for FY26.
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No OTPs: Federal Bank enables fingerprint, Face ID for online payments
- Indian private sector bank Federal Bank partners with M2P and MinkasuPay to introduce biometric authentication for e-commerce card transactions.
- Customers can now authenticate online purchases using fingerprint or Face ID, replacing traditional OTPs for enhanced security and improved user experience.
- The biometric solution reduces transaction times to 3–4 seconds, complies with RBI guidelines, and offers customers seamless payment experience via supported merchant apps on Android and iOS smartphones.
- The feature is currently live for Federal Bank debit and credit cardholders with select partner merchants, and will be gradually expanded in phases.

Nifty Bank Prediction today – Jun 26, 2025: Intraday trend remains uncertain
- Nifty Bank's intraday trend remains uncertain with a bearish advance/decline ratio of 4/8.
- Top performers include HDFC Bank and AU Small Finance Bank, up 0.8% each, while top losers are The Federal Bank (down 1.7%) and Bank of Baroda (down 1.2%).
- Nifty Private Bank has gained 0.2%, surpassing Nifty PSU Bank (-0.5%), indicating private banks are outperforming their public sector counterparts.
- Nifty Bank futures for June expiry opened higher at 56,670 (0.1% increase) and face resistance at 56,880 with support levels at 56,380 and 56,250.

Scapia launches new dual-network card with Federal Bank
- Scapia has launched a new dual-network card with Federal Bank featuring VISA and RuPay for various transactions.
- Users can manage credit and UPI spends through RuPay on a single platform.
- The card offers zero forex markup on international transactions and provides unlimited domestic lounge access.
- Users can earn rewards on eligible transactions and access travel benefits through the Scapia app.
- Anil Goteti, Founder and CEO of Scapia, highlighted the card's versatility and user benefits.
- Scapia introduced platform enhancements including train booking waitlist navigation and improved accommodation reservations.
- The company also launched custom fare options for students and redesigned its rewards program.
- Founded in 2022, Scapia secured $40 million in Series B funding in April 2025 from Peak XV Partners and other investors.
- Scapia's previous co-branded credit card with Federal Bank, based on VISA, could be used in over 150 countries.
- The company's focus remains on reimagining credit experiences for a mobile-driven travel-oriented audience.

Scapia launches new dual-network card with Federal Bank
- Scapia has launched a new dual-network card with Federal Bank offering VISA and RuPay for various transactions in one credit card statement.
- Users can manage credit and UPI spends through RuPay in a single place with zero forex markup on international transactions.
- The card provides unlimited domestic lounge access, complimentary dining, shopping, and spa benefits at airport outlets.
- Users can earn rewards on transactions and travel benefits through the Scapia app.
- Anil Goteti, Founder and CEO of Scapia, emphasized the product's mobile-first approach, combining Visa's reach, RuPay's UPI innovation, and Federal Bank's trust.
- Scapia introduced platform enhancements, like train booking waitlist navigation recommendations and improved accommodation booking experiences.
- Custom fare options for students and senior citizens and a redesigned rewards program, Scapia Coins, were also part of the upgrades.
- Scapia secured $40 million in Series B funding led by Peak XV Partners in April 2025, with contributions from existing investors.
- In 2023, Scapia launched a co-branded credit card with Federal Bank, accessible through the Scapia app and usable in over 150 countries.

Federal Bank Bets Big On MSME Growth To Offset Margin Pressure
- Federal Bank is focusing on expanding its MSME loan book by 18-19% year-on-year in the current financial year to counter margin pressure from interest rate cuts.
- The bank's total loan book for the quarter ended March was at Rs 2.42 lakh crore with commercial banking at 11%, retail at 56%, and corporate at 33%.
- Federal Bank's business banking segment has significant exposure to MSMEs, followed by commercial and corporate books with MSME borrowers.
- While cautious on infrastructure, the bank is optimistic about sectors like auto, auto ancillary, textiles, and railways within the MSME segment.
- The bank aims to increase its net interest margins to 3.52% in the next three years and sees growth opportunities in the MSME segment supported by government schemes.
- Commercial credit to the MSME sector grew 13% YoY reaching Rs 35.2 lakh crore as of March 31, benefiting from credit to existing borrowers.
- Federal Bank's medium-term strategy involves shifting towards mid-yielding categories from high-yielding to mitigate slowdowns in retail and corporate credit segments.
- The bank plans to reshape its advance mix by increasing mid-yielding books, supporting NIMs despite rising deposit costs.
- The bank expects a potential turnaround in its microfinance institution and personal loan books by the end of the current financial year.
- As of March 31, Federal Bank's MFI book was 3% of its retail book, totaling Rs 4,110 crore, with personal loans and credit cards at Rs 3,789 crore and Rs 3,550 crore respectively.


Federal Bank Subsidiaries

Fedbank Financial Services

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