Fino Payments Bank Ltd
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]
- Market Cap ₹ Cr.
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Pros
Cons
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Financial Services Financial Services Banks Other Bank
Part of BSE Financial Services
Quarterly Results
Figures in Rs. Crores
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Profit & Loss
Figures in Rs. Crores
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| Dividend Payout % |
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Balance Sheet
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Cash Flows
Figures in Rs. Crores
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Ratios
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Insights
In beta| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
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| CMS Throughput Rs Crore ・Standalone data |
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| Merchant Count lakhs ・Standalone data |
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| Total CASA Accounts lakhs ・Standalone data |
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| CASA Renewal Income Rs Crore ・Standalone data |
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| UPI P2M Throughput Rs Crore ・Standalone data |
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| Referral Loan Disbursals Rs Crore ・Standalone data |
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| Digitally Active Customers lakhs ・Standalone data |
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| Average Total Deposits Rs Crore ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Revision In ESG Rating By Crisil Ratings & Analytics Limited
- Crisil revised Fino Payments Bank’s ESG rating to 59-Adequate from 54-Adequate on October 22, 2026.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
- Earnings call on October 30, 2026 at 4:00 PM for H1 FY2026-27 and Q2 results.
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Board Meeting Intimation for Consideration And Approval Of The Audited Financial Results For The Half Year Ended September 30, 2026 And Unaudited Financial Results For The Quarter Ended September 30, 2026.
- Board meets October 29, 2026 to approve Q2 and half-year FY2026 results; trading window closed October 1-31.
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
- Submitted Regulation 74(5) certificate for Jul-Sep 2026; no demat requests and one remat request processed.
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Revision In ESG Rating/Score By ESG Risk Assessments & Insights Limited
- Fino Payments Bank ESG score revised from 56-Adequate to 58-Adequate on October 13, 2026.
Annual reports
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Annual Report 2026
from bse
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Annual Report 2025
from bse
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Annual Report 2024
from bse
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Annual Report 2023
from bse
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Annual Report 2022
from bse
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Annual Report 2022
from nse
Concalls
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Aug 2026Transcript PPT REC
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May 2026Transcript PPT
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Mar 2026Transcript
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Feb 2026Transcript PPT
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Nov 2025Transcript PPT REC
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Aug 2025Transcript PPT
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May 2025Transcript PPT REC
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Feb 2025Transcript PPT REC
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Oct 2024Transcript PPT
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Aug 2024Transcript PPT
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May 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT
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May 2023Transcript PPT
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Feb 2023Transcript PPT
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Nov 2022Transcript PPT
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Aug 2022Transcript PPT
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Jul 2022PPT
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Jul 2022PPT
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May 2022Transcript PPT
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Feb 2022Transcript PPT
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Nov 2021Transcript PPT
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