This is Federal Bank

Federal Bank is the preferred Personal, NRI and Business banking partner for a growing expanse of customers across India, in both urban and rural areas. The Bank is driven by the quest to be one of the most admired banking institutions in the country.

Growing Reach & Presence


ATM/Recyclers (including 10 mobile ATMs)


States, Delhi NCT & 4 Union Territories






Metro: 206

Rural: 156

Semi Urban: 684

Urban: 226

Total: 1,272

The Year that was

13 %

Total Deposits

9 %

Gross Advances

11 %

Total Business

26 %


14 %

Retail Deposits

70 %

Gold Loans

19 %

Net Interest Income

18 %

Operating Profit

90 %

Retail Deposit Ratio

98 %

Core Deposit Ratio

54 %

Retail Credit Book Share

3.41 %


1.19 %


14.62 %

Capital Adequacy (CRAR)

0.85 %


10.38 %


3.16 %


49.36 %

CI Ratio

33.81 %

CASA Ratio

65.14 %


Performance Dashboard

Message from the Chairperson

Led by its twin focus on Digital enablement and People empowerment, supported by operational strength, the Bank navigated unprecedented challenges during the year to deliver exceptional numbers

Grace Elizabeth Koshie

Message from the Managing Director & CEO

Redefining human experience, the digital way has been our constant goal for a while now. Our digital innovations of today are on the cusp of redefining the banking paradigm of tomorrow. We are and shall continue to look ahead, adapt and transform for our motto of ‘Digital at the fore and Human at the core'.

Shyam Srinivasan
Managing Director & CEO

Embracing the Digital… To Become More Human!

Want to know how to open an account with Federal Bank without having to visit any of its branches? Or how to generate your Account Statements & Interest Certificates if you are an existing customer? All you have to do is ask Feddy. Or, you can simply get Alexa to ask for you! Such is the power of our Digital-Human interface, which we scaled multifold during the pandemic.

Nurturing ESG Goals

For our stakeholders, Federal Bank is more than a banking partner. It is a force that nurtures their financial aspirations and translates them into realisable goals. Cognisant of our role in the lives of our clients, customers, employees, communities and the society at large, we remain committed to staying engaged with them through their lifecycle journeys. We are continually investing in their sustainable future growth to ensure sustained value creation.

We have initiated various measures to ensure environmental protection and foster a culture of preserving the ecology for future generations. These include:

Our social enterprise involves working towards community stakeholders through initiatives aligned with the United Nations’ Sustainable Development Goals (SDGs).

During FY 2020-21, our core CSR initiatives encompassed

COVID Relief Measures

Support to Swachh Bharat Mission


Women Empowerment

Youth Engagement


Vocational Skills


We are dedicated to sustaining the premier quality of Governance in the supervision of business, and are continually striving to formulate enduring principles for all our shareholders. We have prioritised extensive compliance with laws and regulations that govern the business. We are focussed on nurturing the habit of “doing right first time’ through transparency, responsibility and moral conduct.

Defining Corporate Governance

Corporate governance is essentially a set of standards, systems and procedures aimed at effective, honest, transparent, and responsible management of a company, within the applicable statutory and regulatory structures. Good corporate governance practices help support and strengthen corporate actions for the realisation of the corporate objective.

The Bank’s principal corporate goal, like that of any corporate business entity, is to perpetuate its business, while protecting and enhancing, over the long term, the value of the interest of its shareholders.

Looking back at the year with pride