₹177.47
▲ +19.23 +12.15%
17 Jul 2026
NSE Listed
Fino Payments Bank Ltd. (FINOPB)
20-day avg volume: 51.3L shares
- Company is almost debt-free.
- Revenue fell 13% YoY.
- Company is loss-making at the latest annual result.
- Stock trades at a high P/E of 186.
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹24 Cr | ₹21 Cr | ₹23 Cr | ₹24 Cr | ₹18 Cr | ₹15 Cr | ₹12 Cr | ₹7 Cr |
| EPS | — | — | — | — | — | — | — | — |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹371 Cr | ₹691 Cr | ₹791 Cr | ₹1,009 Cr | ₹1,230 Cr | ₹1,478 Cr | ₹1,847 Cr | ₹1,474 Cr |
| EBITDA | ₹-62 Cr | ₹-32 Cr | ₹20 Cr | ₹43 Cr | ₹65 Cr | ₹86 Cr | ₹108 Cr | ₹0 Cr |
| Net Profit | ₹-62 Cr | ₹-32 Cr | ₹20 Cr | ₹43 Cr | ₹65 Cr | ₹86 Cr | ₹93 Cr | ₹52 Cr |
| EPS | -13.99 | -7.19 | 2.62 | 5.34 | 7.82 | 10.36 | 11.08 | — |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹684 Cr | ₹624 Cr | ₹1,010 Cr | ₹1,680 Cr | ₹2,466 Cr | ₹3,419 Cr | ₹4,206 Cr | ₹5,312 Cr |
| Total Liabilities | ₹522 Cr | ₹494 Cr | ₹860 Cr | ₹1,200 Cr | ₹1,914 Cr | ₹2,776 Cr | ₹3,459 Cr | ₹4,507 Cr |
| Equity | ₹162 Cr | ₹130 Cr | ₹151 Cr | ₹480 Cr | ₹553 Cr | ₹643 Cr | ₹747 Cr | ₹805 Cr |
| Total Debt | — | — | — | — | — | — | — | ₹1,535 Cr |
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | ₹-42 Cr | ₹215 Cr | ₹-24 Cr | ₹59 Cr | ₹89 Cr | ₹-307 Cr |
| Investing | ₹-69 Cr | ₹-64 Cr | ₹-97 Cr | ₹-104 Cr | ₹-164 Cr | ₹-143 Cr |
| Financing | ₹70 Cr | ₹352 Cr | ₹184 Cr | ₹279 Cr | ₹127 Cr | ₹696 Cr |
| Free Cash Flow | ₹-42 Cr | ₹215 Cr | ₹-24 Cr | ₹59 Cr | ₹89 Cr | ₹-449 Cr |
Banks · Banks - Private Sector
Fino Payments Bank Limited provides financial solutions and services in India. It operates in four segments: Treasury, Corporate Banking/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, and salary accounts; personal, home and property, gold, and referral loans; debit and prepaid cards; and life, health, general, motor, and shopkeeper insurance products, as well as fixed deposit and sweep account facility. It also provides open, internet, and BC banking, as well as mobile banking through the FinoPay app; merchant services; and unified payments interface, recharge, and bills payments. In addition, the company offers other banking operations, including business correspondent, digital payment, cash management, domestic money transfer, and micro ATM services, as well as Aadhaar enabled payment systems; and digital savings accounts. The company was formerly known as Fino Fintech Limited and changed its name to Fino Payments Bank Limited in April 2017. The company was founded in 2006 and is based in Navi Mumbai, India. Fino Payments Bank Limited is a subsidiary of FINO PayTech Limited.
fino.bank.in ↗As of 2026-03-31
Quarterly — figures in %. Latest 12 quarters.
| Period | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% |
| FIIs | 6.3% | 5.6% | 5.1% | 5.1% | 5.1% | 4.2% | 3.7% | 4.1% | 2.5% | 2.7% | 2.7% | 1.3% |
| DIIs | 5.5% | 6.8% | 5.6% | 5.9% | 6% | 6.1% | 6.1% | 3.5% | 3% | 3.3% | 0.5% | 0.4% |
| Public | 13.2% | 12.6% | 14.3% | 14% | 13.9% | 14.6% | 15.2% | 17.4% | 19.4% | 19% | 21.9% | 23.3% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 74,906 | 67,998 | 68,897 | 65,150 | 63,919 | 64,495 | 64,460 | 64,104 | 63,093 | 61,622 | 61,483 | 62,358 |
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202503 | — | — | — | — |
| Name | Category | Stake | Shares |
|---|---|---|---|
| Fino Paytech Limited | Shareholding of Promoter and Promoter Group | 75% | 6.24 Cr |
| Zodiac Wealth Advisors Llp | Public Shareholding | 1.1% | 8,88,652 |
| Ffpl Finserv Private Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Fino Trusteeship Services Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Fino Financial Services Private Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Bharat Petroleum Corporation Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Rajeev Arora | Shareholding of Promoter and Promoter Group | 0% | 2 |
| Rishi Gupta | Shareholding of Promoter and Promoter Group | 0% | 2 |
| Shailesh B Pandey | Shareholding of Promoter and Promoter Group | 0% | 2 |
| Amit Kumar Jain | Shareholding of Promoter and Promoter Group | 0% | 2 |
| Ashish Ahuja | Shareholding of Promoter and Promoter Group | 0% | 2 |
| Viprraj Bhardwaj | Shareholding of Promoter and Promoter Group | 0% | 2 |
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| Rajeev Arora | 0 | 0% | 2026-03-31 |
| Rishi Gupta | 0 | 0% | 2026-03-31 |
| Shailesh B Pandey | 0 | 0% | 2026-03-31 |
| Amit Kumar Jain | 0 | 0% | 2026-03-31 |
| Ashish Ahuja | 0 | 0% | 2026-03-31 |
| Viprraj Bhardwaj | 0 | 0% | 2026-03-31 |
| Fino Paytech Limited | 0 | 0% | 2026-03-31 |
| Ffpl Finserv Private Limited | 0 | 0% | 2026-03-31 |
| Fino Trusteeship Services Limited | 0 | 0% | 2026-03-31 |
| Fino Financial Services Private Limited | 0 | 0% | 2026-03-31 |
| Bharat Petroleum Corporation Limited | 0 | 0% | 2026-03-31 |
| Zodiac Wealth Advisors Llp | 0 | 0% | 2026-03-31 |
| Name | Designation | Year |
|---|---|---|
| RISHI GUPTA | Managing Director & Chief Executive Officer | 2025 |
| Deena A Mehta | Independent Director | 2025 |
| RAJAT KUMAR JAIN | Part Time Chairman | 2025 |
| Rakesh Bhartia | Independent Director | 2025 |
| Prateek Roongta | Nominee | 2025 |
| Pankaj Kumar | Nominee | 2025 |
| Anita Sudhir Pai | Independent Director | 2025 |
| NEETA MUKERJI | Independent Director | 2025 |
| Basavraj Loni | Company Sec. & Compli. Officer | 2025 |
| Segment | Revenue | Share |
|---|---|---|
| Treasury | ₹195 Cr | 10.5% |
| Retail Banking | ₹424 Cr | 23% |
| Other Banking Operations | ₹1,228 Cr | 66.5% |
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2025 | ₹10 | 90 | 83 | 83 |
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 0 | 0 | 0 | 0 | 0 | 6 |
| 2025 | 0 | 0 | 0 | 0 | 0 | 4 |
| 2025 | 0 | 0 | 0 | 0 | 0 | 2 |
📍 Mindspace Juinagar Plot No Gen, 2/1/F Tower 1 8thFlr TTC IndlA, Navi Mumbai, Maharashtra, 400706
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