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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
255.10 -13 (-4.81%)
  • As on 02 Aug 2025 (EOD)

  • Today’s Low

    253.10

  • Today’s High

    270.20

  • Open

    268.00

  • Perv Close

    268.00

  • 52W Low

    200.00

  • 52W High

    467.00

Key Indicators

  • P/E(TTM)

    24.67

  • Mar.Cap (₹Cr.)

    2,122.90

  • Div & Yield %

    0.00

  • Book Value(₹)

    86.44

  • Debt-Equity Ratio

    -4.81

  • AGM Date

    01-Aug-2025

  • EPS

    10.34

  • P/E Ratio

    24.67

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    2,122.90

  • RONW (%)

    -

  • ROCE (%)

    -

Score Board

  • Equity (₹ in Cr.)

    83.22

  • BV (₹)

    86.40

  • Sales( ₹ in Cr.)

    1,847.10

  • NP (in Cr.)

    92.53

  • NP Var(%)

    7.0

  • Div%

    0.0

  • CPS (₹)

    11.10

  • EPS (₹)

    11.10

  • Traded Value (₹ in Lakhs)

    2,122.90

  • 52 Week High

    467.00

  • 52 Week Low

    200.00

  • Price BSE

    255.0

  • Price NSE

    255.00

  • Market Capital( in Cr.)

    2,122.90

  • P/C Ratio

    22.90

  • P/E Ratio

    22.90

  • Price Vs.BV

    11.10

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Financials

All Values are in (₹Cr)
Particulars(INCOME) 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar
INCOME :            
Interest Earned 150.05 94.86 35.63 20.25 18.13 19.15
Other Income 1,328.34 1,135.05 973.23 770.77 673.27 351.97
Total Income 1,478.39 1,229.91 1,008.86 791.02 691.40 371.12
EXPENDITURE :            
Interest Expended 78.90 47.37 15.31 9.54 9.87 5.53
Payments to and Provisions for Employees 177.37 155.61 133.26 114.71 123.88 127.20
Operating Expenses & Administrative Expenses 81.08 70.19 69.33 49.06 49.30 46.11
Depreciation 53.45 41.85 35.45 53.58 23.57 18.26
Other Expenses, Provisions & Contingencies 1,001.28 849.81 712.77 543.65 516.82 236.41
Provision for Tax 0.08 0.00 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 1,392.16 1,164.82 966.12 770.55 723.44 433.51
PROFIT & LOSS            
Net Profit / Loss for The Year 86.22 65.09 42.74 20.47 -32.04 -62.38
Extraordinary Items 0.01 -0.02 -0.33 -0.64 0.29 0.01
Adjusted Net Profit 86.21 65.11 43.07 21.11 -32.33 -62.39
Profit brought forward -246.76 -271.68 -303.62 -318.98 -605.92 -224.56
APPROPRIATION            
Transfer to Statutory Reserve 21.56 16.27 10.69 5.12 0.00 0.00
Transfer to Other Reserves 9.86 23.90 0.11 0.00 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 -191.96 -246.76 -271.68 -303.62 -318.98 -286.94
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 10.36 7.82 5.14 4.59 -7.19 -13.99
Earnings Per Share(Adj)-Unit Curr 10.36 7.82 5.14 - - -
Book Value-Unit Curr 77.29 66.40 57.66 33.77 29.18 36.36
Book Value(Adj)-Unit Curr 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 7,367,509 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 16,160,007 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 83,218,401 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/Billimoria Mehta & 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 255.10 1,478.38 150.05 24.67 0.00
HDFC Bank 2,012.25 346,149.32 300,517.04 22.27 0.00
Kotak Mah. Bank 1,992.10 67,880.86 52,919.73 29.38 0.00
ICICI Bank 1,471.40 165,848.71 142,890.94 21.46 0.00
St Bk of India 793.95 524,172.41 462,489.35 10.34 0.00
Karur Vysya Bank 259.75 11,507.59 9,678.04 10.44 0.00
Bank of Baroda 235.10 138,088.97 121,441.64 6.18 0.00
Federal Bank 195.95 25,267.53 22,188.26 11.88 0.00
Canara Bank 105.85 142,207.87 119,755.07 5.37 0.00
IDBI Bank 90.17 33,826.02 28,902.03 12.42 0.00
UCO Bank 29.12 29,473.55 25,066.91 14.63 0.00