Fino Payments Bank Ltd
Financial Inclusion Network Operations (“FINO”) is a growing fintech company offering a diverse range of financial products and services that are primarily digital and have a payments focus. It offers such products and services to the target market via a Pan-India distribution network.[1]
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Pros
Cons
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Quarterly Results
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Profit & Loss
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Balance Sheet
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1d - One-to-one in-person meeting with Infinity Alternatives on Aug 25, 2025, 1:30–3:30 PM at bank HQ.
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Announcement under Regulation 30 (LODR)-Change in Management
20 Aug - Appointment of Basavraj Loni as Company Secretary and Compliance Officer effective Aug 21, 2025.
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Board Meeting Outcome for Outcome Of Board Meeting Held On August 20, 2025
20 Aug - Basavraj Loni appointed Company Secretary and Compliance Officer, effective August 21, 2025.
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Grant Of Stock Options Under Fino Payments Bank Limited- Employee Stock Option Policy, 2020
20 Aug - Grant of 89,762 ESOPs at ₹256.90 each on Aug 20, 2025; vesting over years 2–4.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
19 Aug - Investor meeting with Latent Advisors PMS and Dhyana Equity LLP on Aug 25, 2025, 3:00–4:30 PM IST.
Annual reports
Concalls
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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 2022TranscriptNotesPPT
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Jul 2022TranscriptNotesPPT
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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][2]
The company acts as a Business Correspondent (BC) for several banks. As of FY25, it operates approximately 19 lakh banking outlets (including own and open banking merchants) covering 97% of India’s pin codes. BCs are generally retail agents providing banking products and services on behalf of other banks and at locations beyond traditional branches. These agents are authorized to perform a variety of activities, including domestic and international remittance collections, CASA account openings, AePS-enabled payments, bill payments, mobile recharges, etc.