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Fino Payments Bank Ltd. operates as a fintech company. The company is headquartered in Navi Mumbai, Maharashtra and currently employs 2,868 full-time employees. The company went IPO on 2021-11-12. FPBL offers savings account, current account, BPay mobile banking and wallet application (app), loans, and insurance services. The company also provides business and banking technology platform. The firm's savings account offers Aarambh savings account, Suvidha savings account, Shubh savings account, Pratham savings account, Saral salary account, Bhavishya savings account, and Jan savings account. The firm's current account offers Pragati current account and Sampann current account. The firm's insurance service consists of life and health insurance. The firm operates four bank branches and 130 customer service points.
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No significant strengths identified from available data
“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹134 Cr on total income of ₹1,769 Cr.
Cost-to-income ratio at 95.1%. Provision coverage at 0.0% of income.
“We're looking at the half quarter of this financial year if everything works right in terms of preparation...operationalize SFB”
“revenues stood at 394.”
“Board on 27th Feb did a special committee meeting of the Board and have assigned the interim leadership charge as head of organization to me and that has been put into public disclosure as well.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 6.5%▼ | 11.5% |
| Net Margin | 3.0%▼ | 12.1% |
| EBITDA Margin | 11.4%▼ | 67.3% |
| Debt To Equity | 2.96x▼ | 8.01x |
| Cost To Income | 95.1% | - |
| Credit Deposit Ratio | 0.00x | 83.00x |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Interest on Advances | ₹0.02 Cr +100.0% | ₹0.01 Cr 0.0% | ₹0.01 Cr 0.0% | ₹0.01 Cr -50.0% | ₹0.02 Cr |
| Income on Investments | ₹181 Cr +19.5% | ₹152 Cr +30.8% | ₹116 Cr +74.4% | ₹67 Cr +187.5% | ₹23 Cr |
| ₹1,340 Cr -18.9% | ₹1,652 Cr +24.4% | ₹1,328 Cr +17.0% | ₹1,135 Cr +16.6% | ₹973 Cr | |
| Total Income | ₹1,588 Cr -14.0% | ₹1,847 Cr +24.9% | ₹1,478 Cr +20.2% | ₹1,230 Cr +21.9% | ₹1,009 Cr |
| Interest Expended | ₹114 Cr +13.6% | ₹101 Cr +27.5% | ₹79 Cr +66.6% | ₹47 Cr +209.4% | ₹15 Cr |
| Employee Cost | ₹222 Cr +7.6% | ₹207 Cr +16.5% | ₹177 Cr +14.0% | ₹156 Cr +16.8% | ₹133 Cr |
| Other Operating Expenses | ₹1,180 Cr -17.6% | ₹1,432 Cr +26.1% | ₹1,135 Cr +18.0% | ₹962 Cr +17.7% | ₹818 Cr |
| Total Expenditure | ₹1,516 Cr -12.8% | ₹1,739 Cr +25.0% | ₹1,392 Cr +19.5% | ₹1,165 Cr +20.6% | ₹966 Cr |
| Profit Before Tax | ₹67 Cr -37.8% | ₹108 Cr +25.6% | ₹86 Cr +32.6% | ₹65 Cr +52.3% | ₹43 Cr |
| Exceptional Items | (₹4 Cr) | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Tax | ₹15 Cr -5.5% | ₹16 Cr | ₹0.08 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Net Profit | ₹52 Cr -43.3% | ₹93 Cr +7.3% | ₹86 Cr +32.5% | ₹65 Cr +52.3% | ₹43 Cr |
| EPS | ₹6.30 | ₹11.12 | ₹10.36 | ₹7.82 | ₹5.14 |
| Diluted Shares | ₹8 Cr | ₹8 Cr | ₹8 Cr | ₹8 Cr | ₹8 Cr |
| Other Interest | ₹0.56 Cr +3.7% | ₹0.54 Cr +63.6% | ₹0.33 Cr -87.4% | ₹3 Cr | ₹0.01 Cr |
| Interest (RBI & Others) | ₹66 Cr +54.3% | ₹43 Cr +27.4% | ₹34 Cr +31.0% | ₹26 Cr +106.3% | ₹12 Cr |
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Fino Payments Bank Limited has submitted the Exchange a copy Srutinizers report of Postal Ballot. Further, the company has informed the Exchange regarding voting results.
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Fino Payments Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Fino Payments Bank Limited has informed the Exchange about Business Performance Update-June 2026
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Fino PayTech Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulat...
Fino Payments Bank Limited has informed the Exchange about change in Management
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Fino Payments Bank Limited has informed the Exchange about General Updates
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Fino Payments Bank Limited has informed the Exchange about Schedule of meet
Fino Payments Bank Limited has informed the Exchange about Transcript
Fino Payments Bank Limited has informed the Exchange about Copy of Newspaper Publication
No dividend history available for this company.