FINO PAYMENTS BANK LTD (FINOPB) financials

FINO PAYMENTS BANK LTD (FINOPB) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Market Cap: ₹1,131Cr.
Current Price: ₹136
Stock P/E: 46.2
ROE: 6.76%
ROCE: 4.41%
Book Value: ₹96.8
Dividend Yield: 0.00%
52W High / Low: ₹339/110

In Jun 2026, FINO PAYMENTS BANK LTD (FINOPB) reported sales ₹72 Cr and net profit ₹-14 Cr.

Annual TTM: sales ₹259 Cr, net profit ₹21 Cr.

Shareholding: Promoters 75.00% (Jun 2026), FIIs 0.31% (Jun 2026), DIIs 0.00% (Jun 2026), Public 24.68% (Jun 2026), No. of Shareholders 62,125% (Jun 2026).

FINOPB quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	48	49	53	61	60	63	64	72
Interest	25	26	26	28	28	29	29	35
Expenses	404	407	438	400	351	344	306	285
Financing Profit	-382	-384	-411	-368	-319	-311	-270	-248
Financing Margin %	-799%	-777%	-779%	-603%	-530%	-494%	-422%	-344%
Other Income	408	412	441	392	340	328	275	235
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	26	28	30	25	21	17	4	-14
Tax %	18%	19%	19%	28%	28%	30%	-73%	0%
Net Profit	21	23	24	18	15	12	7	-14
EPS in Rs	2.54	2.78	2.88	2.13	1.84	1.47	0.85	-1.65
Gross NPA %	—	—	—	—	—	—	—	—
Net NPA %	—	—	—	—	—	—	—	—
Raw PDF	—	—	—	—	—	—	—	—

FINOPB profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	18	20	36	95	150	195	248	259
Interest	10	10	15	47	79	101	114	121
Expenses	690	707	915	1,076	1,260	1,576	1,330	1,287
Financing Profit	-682	-697	-895	-1,028	-1,189	-1,481	-1,196	-1,148
Financing Margin %	-3,760%	-3,441%	-2,512%	-1,084%	-792%	-759%	-482%	-443%
Other Income	673	771	973	1,135	1,328	1,652	1,340	1,178
Depreciation	24	54	35	42	53	62	76	0
Profit before tax	-32	20	43	65	86	108	67	29
Tax %	0%	0%	0%	0%	0%	15%	22%	—
Net Profit	-32	20	43	65	86	93	52	21
EPS in Rs	-7.19	4.59	5.14	7.82	10.36	11.12	6.30	2.51
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	—

FINOPB balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	45	45	45	83	83	83	83	83
Reserves	118	85	106	397	469	560	664	722
Deposits	48	118	243	503	917	1,413	1,939	2,379
Borrowing	83	111	181	250	434	713	839	1,535
Other Liabilities	392	266	436	448	563	651	680	592
Total Liabilities	684	624	1,010	1,680	2,466	3,419	4,206	5,312
Fixed Assets	42	49	62	92	139	148	167	355
CWIP	0	0	2	0	5	47	130	9
Investments	73	128	504	631	1,146	1,747	2,388	3,254
Other Assets	569	446	443	956	1,175	1,477	1,520	1,693
Total Assets	684	624	1,010	1,680	2,466	3,419	4,206	5,312

FINOPB cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	—	-84	-32	207	-20	57	76	-307
Cash from Investing Activity	—	-31	-69	-64	-97	-104	-164	-143
Cash from Financing Activity	—	28	70	352	184	279	127	696
Net Cash Flow	—	-86	-31	495	68	232	39	246
Free Cash Flow	—	-114	-101	143	-114	-47	-88	-449
CFO/OP	—	13%	6%	-24%	2%	-5%	-6%	27%

FINOPB shareholding pattern (%)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%
FIIs	4.21%	3.70%	4.08%	2.54%	2.67%	2.69%	1.33%	0.31%
DIIs	6.14%	6.08%	3.52%	3.04%	3.35%	0.45%	0.40%	0.00%
Public	14.65%	15.22%	17.41%	19.43%	19.00%	21.87%	23.27%	24.68%
No. of Shareholders	64,495	64,460	64,104	63,093	61,622	61,483	62,358	62,125

FINOPB key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-32%	-22%	15%	14%	13%	14%	13%	7%

FINOPBUpdated 13 Oct 2026, 17:24

Fino Payments Bank Ltd

FINOPBUpdated 13 Oct 2026, 17:24

Market Cap

₹1,131Cr.

Current Price

₹136

High / Low

₹339/110

Stock P/E

46.2

ROE6.76%

ROCE4.41%

Book Value₹96.8

Face Value₹10.0

Dividend Yield0.00%

About

Fino Payments bank commenced banking operations in 2017 as a specialised payments bank. It provides deposit, payment and also transaction banking services to underservedand underbanked customers, including low-income households, gig workers and rural communities. Operations follow a phygitalmodel, combining merchant-led assisted banking with digital channels viz FinoPay.Core offerings include CASA accounts,cash management services, domesticmoney transfer, AePS/Micro ATM, UPIand mobile banking; loans, fixed depositsand insurance distributed through partner arrangements[1][2]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Profit Before Tax	Tax	Net Profit	EPS (₹)
Jun 2023	33	15	314	-297	-900	315	19	0	19	2.25
Sep 2023	37	19	320	-303	-828	322	20	0	20	2.35
Dec 2023	39	22	326	-308	-787	331	23	0	23	2.74
Mar 2024	41	23	353	-335	-808	360	25	0	25	3.03
Jun 2024	45	24	389	-367	-810	392	24	0	24	2.92
Sep 2024	48	25	404	-382	-799	408	26	18	21	2.54
Dec 2024	49	26	407	-384	-777	412	28	19	23	2.78
Mar 2025	53	26	438	-411	-779	441	30	19	24	2.88
Jun 2025	61	28	400	-368	-603	392	25	28	18	2.13
Sep 2025	60	28	351	-319	-530	340	21	28	15	1.84
Dec 2025	63	29	344	-311	-494	328	17	30	12	1.47
Mar 2026	64	29	306	-270	-422	275	4	-73	7	0.85
Jun 2026	72	35	285	-248	-344	235	-14	0	-14	-1.65

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2018	16	3	279	-266	-1716	215	16	-67	0	-67	-15.11
Mar 2019	19	6	410	-396	-2068	352	18	-62	0	-62	-13.99
Mar 2020	18	10	690	-682	-3760	673	24	-32	0	-32	-7.19
Mar 2021	20	10	707	-697	-3441	771	54	20	0	20	4.59
Mar 2022	36	15	915	-895	-2512	973	35	43	0	43	5.14
Mar 2023	95	47	1076	-1028	-1084	1135	42	65	0	65	7.82
Mar 2024	150	79	1260	-1189	-792	1328	53	86	0	86	10.36
Mar 2025	195	101	1576	-1481	-759	1652	62	108	15	93	11.12
Mar 2026	248	114	1330	-1196	-482	1340	76	67	22	52	6.3
TTM	259	121	1287	-1148	-443	1178	0	29	—	21	2.51

Shareholding pattern

As of Jun 2026%

Holder	Share
Promoters	75%
FIIs	0.31%
Public	24.68%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Sep 2023	75%	5.57%	6.83%	12.6%
Dec 2023	75%	5.09%	5.58%	14.34%
Mar 2024	75%	5.12%	5.92%	13.97%
Jun 2024	75%	5.12%	5.99%	13.9%
Sep 2024	75%	4.21%	6.14%	14.65%
Dec 2024	75%	3.7%	6.08%	15.22%
Mar 2025	75%	4.08%	3.52%	17.41%
Jun 2025	75%	2.54%	3.04%	19.43%
Sep 2025	75%	2.67%	3.35%	19%
Dec 2025	75%	2.69%	0.45%	21.87%
Mar 2026	75%	1.33%	0.4%	23.27%
Jun 2026	75%	0.31%	0%	24.68%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2018	45	180	226	538	46	1	64	427	538
Mar 2019	45	118	392	684	42	0	73	569	684
Mar 2020	45	85	266	624	49	0	128	446	624
Mar 2021	45	106	436	1010	62	2	504	443	1010
Mar 2022	83	397	448	1680	92	0	631	956	1680
Mar 2023	83	469	563	2466	139	5	1146	1175	2466
Mar 2024	83	560	651	3419	148	47	1747	1477	3419
Mar 2025	83	664	680	4206	167	130	2388	1520	4206
Mar 2026	83	722	592	5312	355	9	3254	1693	5312

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2018	—	—	—	—
Mar 2019	—	—	—	—
Mar 2020	-84	-31	28	-86
Mar 2021	-32	-69	70	-31
Mar 2022	207	-64	352	495
Mar 2023	-20	-97	184	68
Mar 2024	57	-104	279	232
Mar 2025	76	-164	127	39
Mar 2026	-307	-143	696	246

Key ratios

Historical financial ratios

Category	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-30%	-32%	-22%	15%	14%	13%	14%	13%	7%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of FINO PAYMENTS BANK LTD (FINOPB)?

The reported market capitalisation for FINO PAYMENTS BANK LTD (FINOPB) is ₹1,131Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of FINOPB?

The current price shown for FINO PAYMENTS BANK LTD (FINOPB) on Fincrux is ₹136 with a 52-week high/low of ₹339/110.

What is the P/E ratio of FINO PAYMENTS BANK LTD (FINOPB)?

The stock P/E for FINO PAYMENTS BANK LTD (FINOPB) is 46.2 on Fincrux, with ROE at 6.76% and ROCE at 4.41%.

What were FINOPB latest quarterly results?

For Jun 2026, FINO PAYMENTS BANK LTD (FINOPB) reported sales ₹72 Cr and net profit ₹-14 Cr (figures in ₹ crore unless noted).

What are FINOPB annual sales and net profit?

For TTM, FINO PAYMENTS BANK LTD (FINOPB) shows sales of ₹259 Cr and net profit of ₹21 Cr on the Fincrux profit & loss statement.

Who owns FINO PAYMENTS BANK LTD (FINOPB)?

Latest shareholding for FINO PAYMENTS BANK LTD (FINOPB) on Fincrux: Promoters 75.00% (Jun 2026), FIIs 0.31% (Jun 2026), DIIs 0.00% (Jun 2026), Public 24.68% (Jun 2026), No. of Shareholders 62,125% (Jun 2026).

Where can I find FINO PAYMENTS BANK LTD (FINOPB) financials?

FINO PAYMENTS BANK LTD (FINOPB) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show FINOPB balance sheet and cash flow?

Yes. The FINO PAYMENTS BANK LTD (FINOPB) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 13 October 2026 at 17:24