Fino Payments Bank Ltd

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Fino Payments Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Fino Payments Bank Ltd

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finobank.com BSE: 543386 NSE: FINOPB
About

Fino Payments bank commenced banking operations in 2017 as a specialised payments bank. It provides deposit, payment and also transaction banking services to underserved
and underbanked customers, including low-income households, gig workers and rural communities. Operations follow a phygital
model, combining merchant-led assisted banking with digital channels viz FinoPay.
Core offerings include CASA accounts,
cash management services, domestic
money transfer, AePS/Micro ATM, UPI
and mobile banking; loans, fixed deposits
and insurance distributed through partner arrangements[1][2]

Key Points

Representative of Banks:[1]
Company acts as Business Correspondent
for multiple banks. As of Q1 FY27, network comprises ~20 lakh merchants including own and open banking merchants, along with 126 branches & CSPs[2]; merchant network covers ~98% of India’s pin codes. BC agents provide banking services on behalf of partner banks, including account opening, remittances, AePS, bill payments and recharges

Website BSE NSE
  • Market Cap ₹ Cr.
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  • Dividend Yield %
  • ROCE %
  • ROE %
  • Face Value ₹
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Pros

Cons

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Peer comparison

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Part of BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Dividend Payout %
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Figures in Rs. Crores

Equity Capital
Reserves
Borrowing
Total Liabilities
CWIP
Investments
Total Assets

Cash Flows

Figures in Rs. Crores

Net Cash Flow
Free Cash Flow
CFO/OP

Ratios
ROE %

Insights

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Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
CMS Throughput
Rs Crore ・Standalone data

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Merchant Count
lakhs ・Standalone data
Total CASA Accounts
lakhs ・Standalone data
CASA Renewal Income
Rs Crore ・Standalone data
Average Deposits
Rs Crore ・Standalone data
UPI P2M Throughput
Rs Crore ・Standalone data
Referral Loan Disbursals
Rs Crore ・Standalone data
Digitally Active Customers
lakhs ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

101 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
75.00% 75.00% 75.00% 75.00% 75.00% 75.00% 75.00% 75.00% 75.00% 75.00% 75.00% 75.00%
5.57% 5.09% 5.12% 5.12% 4.21% 3.70% 4.08% 2.54% 2.67% 2.69% 1.33% 0.31%
6.83% 5.58% 5.92% 5.99% 6.14% 6.08% 3.52% 3.04% 3.35% 0.45% 0.40% 0.00%
12.60% 14.34% 13.97% 13.90% 14.65% 15.22% 17.41% 19.43% 19.00% 21.87% 23.27% 24.68%
No. of Shareholders 67,99868,89765,15063,91964,49564,46064,10463,09361,62261,48362,35862,125

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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Credit ratings

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