Fino Payments Bank Ltd

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

Fino Payments Bank Ltd

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finobank.com BSE: 543386 NSE: FINOPB
About

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]

Key Points

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.

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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

Financial Services Financial Services Banks Other Bank

Part of BSE Financial Services BSE 1000

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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 %
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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

Figures in Rs. Crores

ROE %

Insights

In beta
Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
CASA Accounts
Lakh ・Standalone data

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Merchant Count
Lakh ・Standalone data
Total Throughput
₹ Cr ・Standalone data
Average Balance per Account
₹ ・Standalone data
Average Deposits
₹ Cr ・Standalone data
Daily Average Throughput
₹ Cr ・Standalone data
Digital Throughput
₹ Cr ・Standalone data
Transaction Count
Cr ・Standalone data
Digitally Active Customers
Lakh ・Standalone data
Employee Count
Number ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 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%
6.29% 5.57% 5.09% 5.12% 5.12% 4.21% 3.70% 4.08% 2.54% 2.67% 2.69% 1.33%
5.48% 6.83% 5.58% 5.92% 5.99% 6.14% 6.08% 3.52% 3.04% 3.35% 0.45% 0.40%
13.25% 12.60% 14.34% 13.97% 13.90% 14.65% 15.22% 17.41% 19.43% 19.00% 21.87% 23.27%
No. of Shareholders 74,90667,99868,89765,15063,91964,49564,46064,10463,09361,62261,48362,358

* 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

Announcements

Annual reports

DRHP

Credit ratings

Concalls