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  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison
Overview
  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison

Fino Payments Bank Ltd Banks - Private Sector

  • Indian Private
  • BSE Code : 75802.0
  • ISIN : INE02NC01014
127.21 -2 (-1.56%)
  • As on 30 Sep 2026 (EOD)

  • Today’s Low

    126.30

  • Today’s High

    131.06

  • Open

    129.85

  • Perv Close

    129.23

  • 52W Low

    110.03

  • 52W High

    339.00

Key Indicators

  • P/E(TTM)

    43.15

  • Mar.Cap (₹Cr.)

    1,058.62

  • Div & Yield %

    0.00

  • Book Value(₹)

    96.76

  • Debt-Equity Ratio

    -1.56

  • AGM Date

    30-Sep-2026

  • EPS

    2.94

  • P/E Ratio

    43.15

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    1,058.62

  • 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)

    1,055.63

  • 52 Week High

    339.00

  • 52 Week Low

    110.03

  • Price BSE

    127.0

  • Price NSE

    127.00

  • Market Capital( in Cr.)

    1,055.63

  • P/C Ratio

    8.20

  • P/E Ratio

    20.10

  • Price Vs.BV

    6.30

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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
Select Company Name LTP (₹) Revenue Sales P/E Ratio ROCE %
Fino Payments 126.85 1,587.92 248.17 50.34 0.00
ICICI Bank 1,322.50 200,703.68 169,946.09 18.19 0.00
SBI 960.70 556,240.68 482,797.17 10.82 0.00
HDFC Bank 709.70 370,054.63 307,522.07 14.48 0.00
Kotak Mah. Bank 417.60 67,187.26 55,563.98 27.97 0.00
Karur Vysya Bank 324.95 13,158.67 11,074.35 11.44 0.00
Federal Bank 318.00 32,135.76 27,695.38 17.74 0.00
Bank of Baroda 231.00 142,750.49 126,993.66 7.13 0.00
Canara Bank 119.70 153,204.21 126,366.17 5.63 0.00
IDBI Bank 82.20 35,743.53 28,997.26 9.18 0.00
UCO Bank 23.33 29,740.99 26,281.36 10.37 0.00