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Overview
Key Ratios
Financials
Shareholding
Company Info
Peer Comparison

Fino Payments Bank Ltd Banks - Private Sector

Indian Private
BSE Code : 75802.0
ISIN : INE02NC01014

278.75 -3 (-1.22%)

As on 03 Sep 2025 (EOD)

Today’s Low
276.90
Today’s High
283.95

Open
281.00
Perv Close
282.20
52W Low
200.00
52W High
467.00

Key Indicators

P/E(TTM)

27.31
Mar.Cap (₹Cr.)

2,348.42
Div & Yield %

0.00
Book Value(₹)

89.75
Debt-Equity Ratio

-1.22
AGM Date

03-Sep-2025
EPS

10.34
P/E Ratio

27.31

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

2,348.42

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

83.22
BV (₹)

89.70
Sales( ₹ in Cr.)

1,847.10
NP (in Cr.)

92.51
NP Var(%)

7.0
Div%

0.0
CPS (₹)

18.60
EPS (₹)

11.10
Traded Value (₹ in Lakhs)

2,350.09

52 Week High

467.00
52 Week Low

200.00
Price BSE

282.0
Price NSE

282.00
Market Capital( in Cr.)

2,350.09
P/C Ratio

15.20
P/E Ratio

25.40
Price Vs.BV

11.10

11-Aug-2025( 01:47)

Corporate News - Fino... - Fino Payments Bank announced...
31-Jul-2025( 07:32)

Results - Announcements - Fino... - Net profit of Fino Payments Ba...
22-Jul-2025( 02:28)

Corporate News - Fino... - Fino Payments Bank will hold...
28-Apr-2025( 09:48)

Results - Announcements - Fino... - Net profit of Fino Payments Ba...

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2025 Mar	2024 Mar	2023 Mar	2022 Mar	2021 Mar	2020 Mar
INCOME :
Interest Earned	195.23	150.05	94.86	35.63	20.25	18.13
Other Income	1,651.87	1,328.34	1,135.05	973.23	770.77	673.27
Total Income	1,847.10	1,478.39	1,229.91	1,008.86	791.02	691.40
EXPENDITURE :
Interest Expended	100.58	78.90	47.37	15.31	9.54	9.87
Payments to and Provisions for Employees	206.58	177.37	155.61	133.26	114.71	123.88
Operating Expenses & Administrative Expenses	109.76	81.08	70.19	69.33	49.06	49.30
Depreciation	62.15	53.45	41.85	35.45	53.58	23.57
Other Expenses, Provisions & Contingencies	1,259.67	1,001.28	849.81	712.77	543.65	516.82
Provision for Tax	15.82	0.08	0.00	0.00	0.00	0.00
Provision Towards Deferred Tax	0.00	0.00	0.00	0.00	0.00	0.00
Total Expenditure	1,754.57	1,392.16	1,164.82	966.12	770.55	723.44
PROFIT & LOSS
Net Profit / Loss for The Year	92.53	86.22	65.09	42.74	20.47	-32.04
Extraordinary Items	0.03	0.01	-0.02	-0.33	-0.64	0.29
Adjusted Net Profit	92.50	86.21	65.11	43.07	21.11	-32.33
Profit brought forward	-191.96	-246.76	-271.68	-303.62	-318.98	-605.92
APPROPRIATION
Transfer to Statutory Reserve	23.13	21.56	16.27	10.69	5.12	0.00
Transfer to Other Reserves	12.87	9.86	23.90	0.11	0.00	0.00
Trans. to Government /Proposed Dividend	0.00	0.00	0.00	0.00	0.00	0.00
Balance carried forward to Balance Sheet	-135.43	-191.96	-246.76	-271.68	-303.62	-318.98
Equity Dividend(%)	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.00	0.00	0.00	0.00	0.00
Earnings Per Share-Unit Curr	11.12	10.36	7.82	5.14	4.59	-7.19
Earnings Per Share(Adj)-Unit Curr	11.12	10.36	7.82	5.14	-	-
Book Value-Unit Curr	89.75	77.29	66.40	57.66	33.77	29.18
Book Value(Adj)-Unit Curr	89.75	77.29	66.40	57.66	-	-

Shareholding Pattern

Promoter Group

75.00%
Public Share Holding

25.00%

Category of Shareholder	No of Shares	% Holdings	Demat Shares	Shareholders
A]. Promoter & Group
Foreign (Promoter & Group) - Bodies Corporate	0	0.00	0	0
Foreign (Promoter & Group)-Individuals (Non-Resident / Foreign)	0	0.00	0	0
Foreign Promoter(Institutional)	0	0.00	0	0
Promoter Others	0	0.00	0	0
Sub Total	0	0.00	0	0
[2] INDIAN
Bodies Corporate-Indian (Promoter & Group)	62,411,985	75.00	62,411,985	1
Government(Central / State)-Indian (Promoter & Group)	0	0.00	0	0
Directors & their Relatives-Indian (Promoter & Group)	0	0.00	0	0
Financial Institutions / Banks-Indian (Promoter & Group)	0	0.00	0	0
Individuals / Hindu Undivided Family-Indian (Promoter & Group)	12	0.00	12	6
Partnership Firms-Indian (Promoter & Group)	0	0.00	0	0
Persons Acting in Concert	0	0.00	0	0
Trusts	0	0.00	0	0
Others	0	0.00	0	0
Sub Total	62,411,997	75.00	62,411,997	7
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State)	0	0.00	0	0
Clearing Members	0	0.00	0	0
Corporate Bodies	0	0.00	0	0
Foreign Direct Investments	0	0.00	0	0
Financial Institutions / Banks	0	0.00	0	0
Foreign Bank	0	0.00	0	0
Foreign Bodies Corporate/OCBs/FBC	0	0.00	0	0
Foreign Collaborators	0	0.00	0	0
Foreign Institutional Investors	2,119,611	2.55	2,119,611	27
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	283,720	0.34	283,720	1
Mutual Funds / UTI	2,203,066	2.65	2,203,066	3
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	40,000	0.05	40,000	1
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	4,646,397	5.58	4,646,397	32
2] Non Institution
Bodies Corporate	2,925,373	3.52	2,925,373	214
Clearing Members	0	0.00	0	0
Directors of their Relatives	5,325	0.01	5,325	1
Employees	0	0.00	0	0
Escrow Account	0	0.00	0	0
Foreign Corporate Bodies	0	0.00	0	0
Foreign Direct Investments	0	0.00	0	0
NRIs/Foreign Individuals/Foreign Nationals	468,649	0.56	468,649	752
Foreign Non Institution Other	0	0.00	0	0
Hindu Undivided Families	0	0.00	0	0
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	5,022,749	6.04	5,022,749	62
Individuals holding nominal share capital up to Rs. 1 lakh	7,367,510	8.85	7,367,510	60,690
Market Maker	0	0.00	0	0
NSDL Transit	0	0.00	0	0
Shares in transit	0	0.00	0	0
Societies	0	0.00	0	0
Trust & Foundation	0	0.00	0	0
Others	370,402	0.45	370,402	1,335
Sub Total	16,160,008	19.42	16,160,008	63,054
Total Public Shareholding
C]. Shares held by Custodians and against which Depository Receipts have been issued
ADR	0	0.00	0	0
GDR	0	0.00	0	0
Other Custodians	0	0.00	0	0
Total Shares held by Custodians and against which Depository Receipts have been issued	0	0.00	0	0
Grand Total ( A + B + C )	83,218,402	100.00	83,218,402	63,093

Company Background

Fino Payments Bank LtdBanks - Private Sector

Fino Payments Bank Ltd
BSE Code : 75802.0
ISIN : INE02NC01014

Incorporation Year

2007
Registered Office

Mindspace Juinagar Plot No Gen
2/1/F Tower 1 8thFlr TTC IndlA, Navi Mumbai,
Maharashtra-400706
Telephone

91-22-7104 7000
FAX
Chairman

RAJAT KUMAR JAIN
Managing Director

RISHI GUPTA
Company Secretary

Basavraj Loni
Auditor

A P Sanzgiri & Co/Bilimoria Mehta and Co
Face Value

10
Listing

NSE
Registrar

KFin Techologies Ltd
Karvy Selenium Tow-B,
31&32 Financial Dist,Nanakramguda
Mumbai - Hyderabad-500032

Fino Payments Bank Ltd Peer Comparison

Profit & Loss

Financial Ratios

Balance Sheet

Company Name	LTP (₹)	Revenue	Sales	P/E Ratio
Fino Payments	282.40	1,847.10	195.23	27.31
Kotak Mah. Bank	1,942.50	67,880.86	52,919.73	28.65
ICICI Bank	1,394.45	191,770.48	163,263.78	20.35
HDFC Bank	944.40	346,149.32	300,517.04	20.92
SBI	803.95	524,172.41	462,489.35	10.16
Bank of Baroda	236.60	138,088.97	121,441.64	6.22
Karur Vysya Bank	210.05	11,507.59	9,678.04	10.12
Federal Bank	193.55	30,166.50	26,365.25	12.19
Canara Bank	106.15	142,207.87	119,755.07	5.39
IDBI Bank	89.19	33,826.02	28,902.03	12.29
UCO Bank	28.85	29,473.55	25,066.91	14.50

Ola Electric

N S D L

Aditya Vision

Vimta Labs

One Mobikwik

Tata Steel

Netweb Technol.

Apollo Micro Sys

Aurobindo Pharma

Jai Corp

Moschip Tech.

Godfrey Phillips

Yes Bank

M & M

NTPC

TBO Tek

AU Small Finance

Larsen & Toubro

TCS

Bharat Electron

Fino Payments Bank Ltd Banks - Private Sector

278.75 -3 (-1.22%)

Key Indicators

Financials Ratios

Score Board

Navigate The Market With Confidence

Financials

Shareholding Pattern

Company Background

Fino Payments Bank LtdBanks - Private Sector

Fino Payments Bank Ltd Peer Comparison