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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

125.65 -6 (-4.39%)

As on 21 Oct 2026 (EOD)

Today’s Low
124.91
Today’s High
131.47

Open
131.42
Perv Close
131.42
52W Low
110.03
52W High
339.00

Key Indicators

P/E(TTM)

42.77
Mar.Cap (₹Cr.)

1,045.64
Div & Yield %

0.00
Book Value(₹)

96.76
Debt-Equity Ratio

-4.39
AGM Date

21-Oct-2026
EPS

2.94
P/E Ratio

42.77

Financials Ratios

Debt-Equity Ratio

-
Mar.Cap (₹Cr.)

1,045.64

RONW (%)

-
ROCE (%)

-

Score Board

Equity (₹ in Cr.)

83.22
BV (₹)

96.80
Sales( ₹ in Cr.)

1,587.92
NP (in Cr.)

52.46
NP Var(%)

-43.0
Div%

0.0
CPS (₹)

15.50
EPS (₹)

6.30
Traded Value (₹ in Lakhs)

1,046.47

52 Week High

339.00
52 Week Low

110.03
Price BSE

126.0
Price NSE

126.00
Market Capital( in Cr.)

1,046.47
P/C Ratio

8.20
P/E Ratio

20.00
Price Vs.BV

6.30

21-Oct-2026( 08:22)

Corporate News - Fino... - <p>Fino Payments Bank Limited...
02-Oct-2026( 12:22)

Corporate News - Fino... - <p>Fino Payments Bank Limited...
01-Oct-2026( 07:49)

Corporate News - Fino... - <p>Fino Payments Bank Limited...
29-Sep-2026( 07:47)

Corporate News - Fino... - <p>Fino Payments Bank Limited...

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Financials

All Values are in (₹Cr)

Particulars(INCOME)	2026 Mar	2025 Mar	2024 Mar	2023 Mar	2022 Mar	2021 Mar
INCOME :
Interest Earned	248.17	195.23	150.05	94.86	35.63	20.25
Other Income	1,339.75	1,651.87	1,328.34	1,135.05	973.23	770.77
Total Income	1,587.92	1,847.10	1,478.39	1,229.91	1,008.86	791.02
EXPENDITURE :
Interest Expended	114.28	100.58	78.90	47.37	15.31	9.54
Payments to and Provisions for Employees	226.68	212.76	177.37	155.61	133.26	114.71
Operating Expenses & Administrative Expenses	120.77	105.34	81.08	70.19	69.33	49.06
Depreciation	76.15	62.15	53.45	41.85	35.45	53.58
Other Expenses, Provisions & Contingencies	982.63	1,257.92	1,001.28	849.81	712.77	543.65
Provision for Tax	14.95	15.82	0.08	0.00	0.00	0.00
Provision Towards Deferred Tax	0.00	0.00	0.00	0.00	0.00	0.00
Total Expenditure	1,535.46	1,754.57	1,392.16	1,164.82	966.12	770.55
PROFIT & LOSS
Net Profit / Loss for The Year	52.46	92.53	86.22	65.09	42.74	20.47
Extraordinary Items	0.00	0.04	0.01	-0.02	-0.33	-0.64
Adjusted Net Profit	52.46	92.49	86.21	65.11	43.07	21.11
Profit brought forward	-135.43	-191.96	-246.76	-271.68	-303.62	-318.98
APPROPRIATION
Transfer to Statutory Reserve	13.11	23.13	21.56	16.27	10.69	5.12
Transfer to Other Reserves	17.32	12.87	9.86	23.90	0.11	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	-113.41	-135.43	-191.96	-246.76	-271.68	-303.62
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	6.30	11.12	10.36	7.82	5.14	4.59
Earnings Per Share(Adj)-Unit Curr	6.30	11.12	10.36	7.82	5.14	-
Book Value-Unit Curr	96.76	89.75	77.29	66.40	57.66	33.77
Book Value(Adj)-Unit Curr	96.76	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	262,079	0.31	262,079	10
Foreign Venture Capital Investors	0	0.00	0	0
Foreign Institution Other	0	0.00	0	0
Insurance Companies	0	0.00	0	0
Mutual Funds / UTI	0	0.00	0	0
Individuals (Non-Resident / Foreign)	0	0.00	0	0
NSDL Intransit	0	0.00	0	0
Others	1,050	0.00	1,050	1
Trusts	0	0.00	0	0
Venture Capital Funds	0	0.00	0	0
Sub total	263,129	0.32	263,129	11
2] Non Institution
Bodies Corporate	3,698,604	4.44	3,698,604	205
Clearing Members	0	0.00	0	0
Directors of their Relatives	0	0.00	0	0
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	800,557	0.96	800,557	739
Foreign Non Institution Other	0	0.00	0	0
Hindu Undivided Families	425,045	0.51	425,045	1,288
Indian Public	0	0.00	0	0
Individuals holding nominal share capital in excess of Rs. 1 lakh	6,350,788	7.63	6,350,788	77
Individuals holding nominal share capital up to Rs. 1 lakh	9,263,954	11.13	9,263,954	59,795
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	2	0.00	2	1
Others	4,326	0.01	4,326	2
Sub Total	20,543,276	24.69	20,543,276	62,107
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	62,125

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	125.75	1,587.92	248.17	49.90
ICICI Bank	1,385.00	200,703.68	169,946.09	18.19
SBI	963.90	556,240.68	482,797.17	10.85
HDFC Bank	706.40	370,054.63	307,522.07	14.25
Kotak Mah. Bank	436.50	67,187.26	55,563.98	29.24
Karur Vysya Bank	359.55	13,158.67	11,074.35	11.75
Federal Bank	344.00	32,135.76	27,695.38	17.49
Bank of Baroda	237.50	142,750.49	126,993.66	7.33
Canara Bank	120.05	153,204.21	126,366.17	5.53
IDBI Bank	80.42	35,743.53	28,997.26	10.54
UCO Bank	23.10	29,740.99	26,281.36	9.71

Max Healthcare

L&T Technology

Bajaj Finance

NSE

Reliance Industries

TCS

PC Jeweller

Cupid

HD Fire Protect

Infosys

ZF Commercial

Aditya Infotech

HDFC Bank

Fractal Analyt.

SS Retail

ICICI Bank

APL Apollo Tubes

Sun Pharma.Inds.

Netweb Technol.

CreditAcc. Gram.

Fino Payments Bank Ltd Banks - Private Sector

125.65 -6 (-4.39%)

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