About Fedbank Financial Services Limited
Data last updated: 22 December 2025
Fedbank Financial Services Limited is a public limited company based in Mumbai, Maharashtra, India, a subsidiary of The Federal Bank Ltd. It specialises in financial services and investment, a part of the broader financial services sector. Incorporated on 17 April 1995, the company has been in operation for over 31 years.
Registered with ROC Mumbai under CIN L65910MH1995PLC364635. Listed.
Capital: an authorised share capital of ₹1,000 Cr and a paid-up capital of ₹374.07 Cr. It is led by directors including Krishnan Venkat Subramanian and Sunil Satyapal Gulati.
Last AGM: 29 September 2025. Financial statements filed for year ended 31 March 2025. Office: Mumbai, Maharashtra.
As per NSE-filed standalone financials for FY 2026, the company reported a revenue of ₹2,223.6 Cr, a growth of 9.23% compared to the previous year. The net worth stands at ₹2,926.1 Cr (up 14.87% YoY). Total assets are valued at ₹16,875 Cr (up 27.36% YoY).
The company has a workforce of approximately 3,941 employees as per the latest available data. It operates as a subsidiary of The Federal Bank Ltd.
The company is associated with 1 brand - Fedbank Financial Services. As per MCA filings, the company has open charges of ₹19,152 Cr and satisfied charges of ₹6,870.5 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website fedfina.com.
-
EmailLocked
-
TelephoneLocked
-
Website
-
Social Media
-
Apps
-
Registered AddressUnit No. 1101 11Th Floor Cignus, Plot No. 71A Powai Passpoli, Mumbai, Maharashtra, India – 400087
-
IndustryFinancial Services, Financial Activities
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
CIN History of Fedbank Financial Services Limited
Fedbank Financial Services Limited has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65910MH1995PLC364635, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65910MH1995PLC364635 | Current |
| U65910KL1995PLC008910 | Previous |
| U65910MH1995PLC364635 | Previous |
Associated Brands with Fedbank Financial Services Limited
Fedbank Financial Services Limited operates one associated brand: Fedbank Financial Services. These brands represent Fedbank Financial Services Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Diverse loan services are offered via an online platform. | fedfina.com |
Competitors & Alternatives of Fedbank Financial Services Limited
Brands and companies operating in the same space as Fedbank Financial Services Limited include indiagold, Fibe, Branch and 5 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
|
|
Gold loans are provided and digital gold purchases are facilitated. | Gurugram, India, India | 2020 |
|
|
Fibe is recognized as India's largest lending platform for instant credit solutions. | Pune, India, India | 2015 |
|
|
Branch is focused on providing faster workforce payment solutions. | Minneapolis, United States, United States | 2015 |
|
|
Online personal loans with minimal documentation are offered digitally. | Bengaluru, India, India | 2015 |
|
|
A consumer lending platform for financial applications is provided. | Jakarta, Indonesia, Indonesia | 2015 |
|
|
An online marketplace for gold loans is facilitated. | Bengaluru, India, India | 2015 |
|
|
Online platform for consumer loans | Mumbai, India, India | 2015 |
|
|
Lendbox is operated as a peer-to-peer lending platform in India. | Delhi, India, India | 2015 |
Business Activity of Fedbank Financial Services Limited
Fedbank Financial Services Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | Locked |
Business activity turnover details for Fedbank Financial Services Limited
Turnover contribution percentages and historical activity changes require an active report plan.
- Turnover contribution
- Historical classifications
- Filing-level activity changes
Verified entity values are shown only after access is granted.
Auditor Details of Fedbank Financial Services Limited
Fedbank Financial Services Limited is audited by KKC & Associates LLP (ICAI peer reviewed, certificate valid till 2027-07-31) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.
| Name | Financial year | Audit opinion |
|---|---|---|
| KKC & Associates LLP (ICAI peer reviewed, certificate valid till 2027-07-31) | FY 2026 | Declaration of unmodified opinion |
Board of Directors and KMP of Fedbank Financial Services Limited
Fedbank Financial Services Limited currently reports 9 directors and 2 key managerial personnel. 36 former directors have served the organization.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
|
Krishnan Venkat Subramanian
Also directs:
Fedbank Financial Services Limited, The Federal Bank Ltd
|
Nominee Director | 30 Nov 2024 | 1 Years 7 Months | Current |
|
Sunil Satyapal Gulati
Also directs:
Fedbank Financial Services Limited, Kmc Speciality Hospitals (India) Limited, Carefin Money Private Limited and 5 more
|
Director | 15 Mar 2024 | 2 Years 3 Months | Current |
| Sonal Dave | Director | 24 Sep 2024 | 1 Years 9 Months | Current |
|
Parthasarathy Rajagopal Iyengar
Also directs:
Fedbank Financial Services Limited
|
Company Secretary | 01 Aug 2025 | 0 Years 11 Months | Current |
|
Maninder Singh Juneja
Also directs:
Fedbank Financial Services Limited, Capvisor Consultants Llp, Pine Labs Limited. and 1 more
|
Nominee Director | 20 Dec 2018 | 7 Years 6 Months | Current |
|
Shyam Srinivasan
Also directs:
Fedbank Financial Services Limited, Icici Lombard General Insurance Company Limited, Tvs Capital Funds Private Limited and 2 more
|
Director | 18 Mar 2011 | 15 Years 3 Months | Current |
Financials of Fedbank Financial Services Limited FY 2026 filings available
Fedbank Financial Services Limited reported revenue of ₹2,223.6 Cr (up 9.23% YoY) for FY 2026.
| Metrics | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Revenue from Operations | ₹2,223.6 Cr | ₹2,035.79 Cr | ₹1,577.21 Cr |
| Interest Earned | ₹2,109.07 Cr | ₹1,924.58 Cr | ₹1,491.68 Cr |
| Other Income | ₹3.01 Cr | ₹44.03 Cr | ₹45.79 Cr |
| Total Income | ₹2,226.61 Cr | ₹2,079.82 Cr | ₹1,623 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹443.93 Cr | ₹390.3 Cr | ₹317.82 Cr |
| Finance Costs | ₹879.32 Cr | ₹853.78 Cr | ₹679.56 Cr |
| Depreciation & Amortisation | ₹54.47 Cr | ₹48.85 Cr | ₹37.35 Cr |
| Other Expenses | ₹272.81 Cr | ₹248.28 Cr | ₹171.47 Cr |
| Total Expenses | ₹1,765.6 Cr | ₹1,776.07 Cr | ₹1,294.92 Cr |
| Profit Before Exceptional Items & Tax | ₹461.01 Cr | ₹303.75 Cr | ₹328.08 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹461.01 Cr | ₹303.75 Cr | ₹328.08 Cr |
| Total Tax Expense | ₹117.41 Cr | ₹78.57 Cr | ₹83.38 Cr |
| Net Profit | ₹343.6 Cr | ₹225.18 Cr | ₹244.7 Cr |
| Other Comprehensive Income | ₹15.02 Cr | ₹41.59 Cr | ₹52.06 Cr |
| Total Comprehensive Income | ₹358.62 Cr | ₹266.77 Cr | ₹296.76 Cr |
| EBITDA (computed) | ₹1,394.8 Cr | ₹1,206.38 Cr | ₹1,044.99 Cr |
| Basic EPS | ₹9.20 | ₹6.06 | ₹7.22 |
| Diluted EPS | ₹9.12 | ₹6.04 | ₹7.12 |
| Metrics | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Total Assets | ₹16,875 Cr | ₹13,250 Cr | ₹11,138 Cr |
| Property, Plant & Equipment | ₹216.12 Cr | ₹185.86 Cr | ₹141.44 Cr |
| Inventories | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹1,339.73 Cr | ₹724.6 Cr | ₹185.54 Cr |
| Equity (Net Worth) | ₹2,926.1 Cr | ₹2,547.36 Cr | ₹2,260.83 Cr |
| Equity Share Capital | ₹374.21 Cr | ₹372.72 Cr | ₹369.39 Cr |
| Total Liabilities | ₹13,949 Cr | ₹10,702 Cr | - |
| Metrics | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Operating Cash Flow | -₹1,664.16 Cr | -₹977.52 Cr | -₹775.52 Cr |
| Investing Cash Flow | -₹30.6 Cr | ₹329.16 Cr | -₹100.09 Cr |
| Financing Cash Flow | ₹2,309.89 Cr | ₹1,187.42 Cr | ₹967.19 Cr |
| Capital Expenditure | ₹27.61 Cr | ₹17.7 Cr | ₹11.39 Cr |
| Free Cash Flow (computed) | -₹1,691.77 Cr | -₹995.22 Cr | -₹786.91 Cr |
| Dividends Paid | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹615.13 Cr | ₹539.06 Cr | ₹91.58 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹616.45 Cr | ₹555.17 Cr | ₹535.38 Cr | ₹519.71 Cr | ₹523.22 Cr | ₹533.05 Cr | ₹512.98 Cr | ₹477.31 Cr | ₹407.58 Cr | ₹413.45 Cr | ₹394.79 Cr |
| Interest Earned | ₹588.26 Cr | ₹526.98 Cr | ₹507.7 Cr | ₹486.13 Cr | ₹499.18 Cr | ₹505.06 Cr | ₹479.11 Cr | ₹452.01 Cr | ₹383.84 Cr | ₹392.39 Cr | ₹374.22 Cr |
| Other Income | ₹1.04 Cr | ₹71 Lakh | ₹61 Lakh | ₹65 Lakh | ₹14.25 Cr | ₹9.99 Cr | ₹6.11 Cr | ₹13.68 Cr | ₹20.15 Cr | ₹16 Cr | ₹3.16 Cr |
| Total Income | ₹617.49 Cr | ₹555.88 Cr | ₹535.99 Cr | ₹520.36 Cr | ₹537.47 Cr | ₹543.04 Cr | ₹519.09 Cr | ₹490.99 Cr | ₹427.73 Cr | ₹429.45 Cr | ₹397.95 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹130.64 Cr | ₹115.57 Cr | ₹105.23 Cr | ₹92.49 Cr | ₹106.04 Cr | ₹92.63 Cr | ₹99.81 Cr | ₹91.82 Cr | ₹85.78 Cr | ₹83.49 Cr | ₹79.32 Cr |
| Finance Costs | ₹239.44 Cr | ₹208.07 Cr | ₹213.84 Cr | ₹217.97 Cr | ₹215.87 Cr | ₹221.26 Cr | ₹214.24 Cr | ₹202.41 Cr | ₹173.32 Cr | ₹175.75 Cr | ₹166.91 Cr |
| Depreciation & Amortisation | ₹14.99 Cr | ₹14.05 Cr | ₹13.06 Cr | ₹12.37 Cr | ₹13.25 Cr | ₹12.83 Cr | ₹11.77 Cr | ₹11 Cr | ₹9.48 Cr | ₹9.74 Cr | ₹9.47 Cr |
| Other Expenses | ₹69.36 Cr | ₹68.84 Cr | ₹65.29 Cr | ₹69.32 Cr | ₹68.82 Cr | ₹66.14 Cr | ₹60.89 Cr | ₹52.43 Cr | ₹43.51 Cr | ₹44.55 Cr | ₹44.32 Cr |
| Total Expenses | ₹482.59 Cr | ₹437.59 Cr | ₹428.52 Cr | ₹420.01 Cr | ₹438.82 Cr | ₹518 Cr | ₹432.67 Cr | ₹397.36 Cr | ₹336.88 Cr | ₹341.65 Cr | ₹320.58 Cr |
| Profit Before Exceptional Items & Tax | ₹134.9 Cr | ₹118.29 Cr | ₹107.47 Cr | ₹100.35 Cr | ₹98.65 Cr | ₹25.04 Cr | ₹86.42 Cr | ₹93.63 Cr | ₹90.85 Cr | ₹87.8 Cr | ₹77.37 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹134.9 Cr | ₹118.29 Cr | ₹107.47 Cr | ₹100.35 Cr | ₹98.65 Cr | ₹25.04 Cr | ₹86.42 Cr | ₹93.63 Cr | ₹90.85 Cr | ₹87.8 Cr | ₹77.37 Cr |
| Total Tax Expense | ₹34.37 Cr | ₹30.38 Cr | ₹27.32 Cr | ₹25.34 Cr | ₹27 Cr | ₹6.28 Cr | ₹21.87 Cr | ₹23.4 Cr | ₹23.19 Cr | ₹22.39 Cr | ₹19.61 Cr |
| Net Profit | ₹100.53 Cr | ₹87.91 Cr | ₹80.15 Cr | ₹75.01 Cr | ₹71.65 Cr | ₹18.76 Cr | ₹64.55 Cr | ₹70.23 Cr | ₹67.66 Cr | ₹65.41 Cr | ₹57.76 Cr |
| Other Comprehensive Income | ₹15.36 Cr | ₹5.01 Cr | -₹12.37 Cr | ₹7 Cr | ₹9.29 Cr | ₹39.69 Cr | ₹8.62 Cr | -₹16 Cr | ₹25.75 Cr | ₹8.49 Cr | ₹13.84 Cr |
| Total Comprehensive Income | ₹115.89 Cr | ₹92.92 Cr | ₹67.78 Cr | ₹82.01 Cr | ₹80.94 Cr | ₹58.45 Cr | ₹73.17 Cr | ₹54.23 Cr | ₹93.41 Cr | ₹73.9 Cr | ₹71.6 Cr |
| EBITDA (computed) | ₹389.33 Cr | ₹340.41 Cr | ₹334.37 Cr | ₹330.69 Cr | ₹327.77 Cr | ₹259.13 Cr | ₹312.43 Cr | ₹307.04 Cr | ₹273.65 Cr | ₹273.29 Cr | ₹253.75 Cr |
| Basic EPS | ₹2.69 | ₹2.35 | ₹2.15 | ₹2.01 | ₹1.92 | ₹0.50 | ₹1.74 | ₹1.90 | ₹1.83 | ₹1.92 | ₹1.78 |
| Diluted EPS | ₹2.66 | ₹2.33 | ₹2.13 | ₹2.01 | ₹1.92 | ₹0.50 | ₹1.73 | ₹1.88 | ₹1.81 | ₹1.89 | ₹1.78 |
| Segment · FY 2024 (annual) | Revenue | Result (PBIT) | Assets | Liabilities |
|---|---|---|---|---|
| Distribution | ₹36.57 Cr | ₹1.66 Cr | - | - |
| Retail Finance | ₹1,484.95 Cr | ₹256.88 Cr | - | - |
| Unallocated | ₹99.38 Cr | ₹73.74 Cr | - | - |
| Wholesale Finance | ₹2.1 Cr | -₹4.2 Cr | - | - |
Shareholding Pattern of Fedbank Financial Services Limited
As per the shareholding pattern filed with NSE for the quarter ended Mar 2026, promoters hold 60.79%, foreign institutional investors hold 0.66%, domestic institutional investors hold 18.82%, retail and other public shareholders hold 19.73% of Fedbank Financial Services Limited. The company had 121,385 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Promoters | 60.79% | 60.81% | 60.88% | 60.97% | 61.03% | 61.04% |
| Public | 39.21% | 39.19% | 39.12% | 39.03% | 38.97% | 38.96% |
| Mar 2026 | Mar 2025 | Mar 2024 | |
|---|---|---|---|
| Promoters | 60.79% | 61.03% | 61.58% |
| Public | 39.21% | 38.97% | 38.42% |
| Promoter change (YoY, %pts) | -0.24 | -0.55 | - |
Board & Governance of Fedbank Financial Services Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Fedbank Financial Services Limited has 10 directors - 5 independent and 1 executive. The board is chaired by Shyam Srinivasan.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| Shyam Srinivasan | Non-Executive - Non Independent Director · Chairperson | 2011-03-18 | 1 |
| Ramesh Sundararajan | Non-Executive - Independent Director | 2024-03-15 | 1 |
| Sunil Satyapal Gulati | Non-Executive - Independent Director | 2024-03-15 | 3 |
| Sonal Dave | Non-Executive - Independent Director | 2024-09-24 | 1 |
| Mona Bhide | Non-Executive - Independent Director | 2024-11-29 | 5 |
| Parvez Mulla | Executive Director · CEO-MD | 2024-11-11 | 1 |
| Maninder Singh Juneja | Non-Executive - Nominee Director | 2018-12-20 | 2 |
| Harsh Dugar | Non-Executive - Nominee Director | 2024-05-01 | 2 |
| KRISHNAN VENKAT SUBRAMANIAN | Non-Executive - Nominee Director | 2024-11-30 | 2 |
| Muralidharan Rajamani | Non-Executive - Independent Director | 2025-01-24 | 1 |
| Committee | Members |
|---|---|
| Audit Committee | Sonal Dave (Chairperson), Sunil Satyapal Gulati, Ramesh Sundararajan, Muralidharan Rajamani |
| Nomination and remuneration committee | Sunil Satyapal Gulati (Chairperson), Ramesh Sundararajan, Shyam Srinivasan, Maninder Singh Juneja, Muralidharan Rajamani, Mona Bhide |
| Stakeholders Relationship Committee | Ramesh Sundararajan (Chairperson), Sonal Dave, Mona Bhide, Parvez Mulla |
| Risk Management Committee | Sunil Satyapal Gulati (Chairperson), Sonal Dave, Maninder Singh Juneja, Harsh Dugar |
| Corporate Social Responsibility Committee | Mona Bhide (Chairperson), Shyam Srinivasan, Parvez Mulla |
Charges & Borrowings of Fedbank Financial Services Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 25 Nov 2025 | Others | ₹881.1 Cr | Open |
| 26 Sep 2025 | Others | ₹438.25 Cr | Open |
| 18 Jun 2025 | Others | ₹854.82 Cr | Open |
| 27 Mar 2025 | Others | ₹150 Cr | Open |
| 20 Jan 2025 | Others | ₹47.5 Cr | Open |
Total charge records: 79 View all charges
Employees and EPFO Compliance at Fedbank Financial Services Limited
Fedbank Financial Services Limited has a workforce of 3,941 employees as of Mar 22, 2024.
Employee and EPFO history for Fedbank Financial Services Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
GST Compliance of Fedbank Financial Services Limited
GST registrations and filing compliance for Fedbank Financial Services Limited
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
Credit Ratings, Litigation & Regulatory Alerts for Fedbank Financial Services Limited
Credit ratings, litigation, and regulatory alerts for Fedbank Financial Services Limited
Agency ratings, court records, regulatory events, and entity-specific compliance alerts require an active report plan.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Fedbank Financial Services Limited
MSME payment history for Fedbank Financial Services Limited
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Fedbank Financial Services Limited
Corporate group structure for Fedbank Financial Services Limited
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Fedbank Financial Services Limited
MCA filings and documents for Fedbank Financial Services Limited
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Recent Activity on Fedbank Financial Services Limited
Recent News on Fedbank Financial Services Limited
Frequently Asked Questions about Fedbank Financial Services Limited
Fedbank Financial Services Limited is an active public limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 17 April 1995 (31+ years old) and is registered under CIN L65910MH1995PLC364635. The company has 3,941 employees.
Fedbank Financial Services Limited reported revenue of ₹2,223.6 Cr for FY 2026 (up 9.23% YoY) based on standalone NSE filings.
The current directors and KMP of Fedbank Financial Services Limited are:
- Krishnan Venkat Subramanian - Nominee Director
- Sunil Satyapal Gulati - Director
- Sonal Dave - Director
- Parthasarathy Rajagopal Iyengar - Company Secretary
- Maninder Singh Juneja - Nominee Director
- Shyam Srinivasan - Director
- Harsh Dugar - Nominee Director
- Mona Mukund Bhide - Director
- Rajamani Muralidharan - Director
- Parvez Kasim Mulla - Ceo
- Ramesh Sundararajan - Director
The primary industry of Fedbank Financial Services Limited is financial services. The company specifically operates in financial activities. The company is currently active in this sector.
Yes, Fedbank Financial Services Limited is a listed company.
Fedbank Financial Services Limited can be reached at the registered office: Unit No. 1101 11Th Floor Cignus, Plot No. 71A Powai Passpoli, Mumbai, Maharashtra, India – 400087, or through the website fedfina.com.