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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comFedbank Financial Services Ltd (also known as Fedfina), a subsidiary of Federal Bank, is a fast-growing NBFC in India. The company focuses on secured loan products such as gold loans, loan against property (LAP), and home loans. Backed by its parent’s strong financials and a steadily growing retail network, Fedbank Financial Services is gaining attention in the stock market.
In this article, we will explore the company’s business performance, shareholding, and share price target forecast from 2025 to 2030.
| Detail | Value |
|---|---|
| Open | ₹129.50 |
| Previous Close | ₹123.72 |
| Day's High | ₹132.01 |
| Day's Low | ₹124.58 |
| 52-Week High | ₹132.01 |
| 52-Week Low | ₹80.00 |
| All-Time High | ₹153.60 |
| All-Time Low | ₹80.00 |
| Market Capitalization | ₹4,692 Cr |
| Volume | 33,87,859 |
| Value (Lacs) | ₹4,260.91 |
| VWAP | ₹128.68 |
| Beta (Volatility) | 0.60 |
| Book Value Per Share | ₹64.42 |
| Face Value | ₹10 |
Fedbank Financial Services Ltd is a key player in India’s retail lending segment. With more than 500 branches across Tier II and Tier III cities, the company caters to the credit needs of underserved segments. It offers a range of secured loan products, helping customers unlock the value of their existing assets.
Key Highlights:
Strong parentage from Federal Bank
Focus on secured retail lending
Low NPA levels due to collateral-based products
Consistent profitability and expanding branch network
Tech-driven loan processing and disbursal system
| Investor Type | Holding (%) |
|---|---|
| Promoters | 60.97% |
| Retail and Others | 18.14% |
| Other Domestic Institutions | 18.00% |
| Mutual Funds | 2.11% |
| Foreign Institutions | 0.78% |
This balanced shareholding indicates strong promoter confidence and growing retail investor interest.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 130 | 145 |
| 2026 | 150 | 165 |
| 2027 | 170 | 185 |
| 2028 | 190 | 210 |
| 2029 | 215 | 235 |
| 2030 | 240 | 260 |
These projections are based on the company’s past growth trend, improving financials, and sector outlook in India’s NBFC space.
By the end of 2025, the stock may stabilize between ₹130–₹145 depending on market sentiment.
Why?
Expansion into new markets
Rise in demand for gold loans and LAP
Improving credit-to-cost ratio
Investment Advice:
Ideal for medium-term investors seeking exposure to secured lending companies.
In 2026, the stock is expected to appreciate further as disbursements and net interest income grow.
Why?
Growth in affordable housing loans
Better risk management and AI-led underwriting
Improved branch-level productivity
Investment Advice:
Add on dips. Monitor Q3 and Q4 earnings for confirmation of loan book strength.
2027 could be the year when Fedbank sees a jump in valuation due to strong performance across product lines.
Why?
Cross-selling and digital lending initiatives
Strong yield on assets
Retail investor participation increases
Investment Advice:
Hold for long-term compounding. Great pick in rising interest rate environments.
By 2028, the company is likely to benefit from deeper market penetration and regulatory tailwinds.
Why?
New product launches in semi-urban markets
Increase in return on equity (ROE)
Government push for financial inclusion
Investment Advice:
Continue SIP-style investing or accumulate in corrections.
Fedbank’s growth story strengthens as its asset quality remains stable with a wide presence across India.
Why?
Increase in customer base and recurring revenues
Improved asset-liability matching
Strategic partnerships with fintechs
Investment Advice:
Reinvest dividends, if any, and maintain allocation for NBFC exposure.
2030 could mark a milestone for Fedbank as a leading retail-focused NBFC.
Why?
Consistent earnings growth
Efficient cost-to-income ratio
Industry-wide acceptance of tech-driven NBFCs
Investment Advice:
Potential for wealth creation. Suitable for conservative investors preferring secured finance players.
Yes, if you’re looking for a growing, secure, and tech-focused NBFC stock.
Low volatility (Beta of 0.60)
Backed by Federal Bank
Focus on gold loans, LAP, and home loans
High promoter holding
Strong book value per share at ₹64.42
Exposure to regional economic slowdowns
High competition from banks and digital NBFCs
Sensitive to interest rate changes
Always consult with a financial advisor to align with your investment goals.
Fedbank Financial Services Ltd is a promising NBFC backed by a reputed private bank. Its focus on secured loan products, sound asset quality, and expanding digital infrastructure make it a strong player in the financial sector.
With a current share price near ₹129.50 and a 52-week high of ₹132.01, analysts suggest potential upside in the coming years. Based on estimates, the share price could touch ₹260 by 2030, offering decent returns for long-term investors.
Investors should keep a close eye on quarterly performance, regulatory developments, and market sentiment to make informed decisions.
1. What is Fedbank Financial Services?
It is a non-banking financial company (NBFC) offering gold loans, LAP, and home loans, promoted by Federal Bank.
2. Is Fedbank Financial Services a good stock to buy?
Yes, for long-term investors seeking exposure to secured lending with low default risk.
3. What is the share price target of Fedbank Financial Services for 2025?
Between ₹130 and ₹145 based on current fundamentals.
4. Who are the major investors in Fedbank Financial Services?
Promoters hold around 60.97%, followed by domestic institutions, mutual funds, and retail investors.
5. What is the all-time high of Fedbank stock?
₹153.60 as per historical data.
6. What is the face value and book value?
Face value is ₹10 and book value per share is ₹64.42.
7. Is it listed on NSE or BSE?
Yes, it is listed on both major Indian stock exchanges.
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