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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
288.87 5 (1.93%)
  • As on 17 Jun 2025 (EOD)

  • Today’s Low

    275.31

  • Today’s High

    293.97

  • Open

    280.50

  • Perv Close

    283.39

  • 52W Low

    200.00

  • 52W High

    467.00

Key Indicators

  • P/E(TTM)

    25.99

  • Mar.Cap (₹Cr.)

    2,403.93

  • Div & Yield %

    0.00

  • Book Value(₹)

    86.44

  • Debt-Equity Ratio

    1.93

  • AGM Date

    16-Jun-2025

  • EPS

    11.12

  • P/E Ratio

    25.99

Financials Ratios

  • Debt-Equity Ratio

    -

  • Mar.Cap (₹Cr.)

    2,403.93

  • 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)

    2,405.43

  • 52 Week High

    467.00

  • 52 Week Low

    200.00

  • Price BSE

    289.0

  • Price NSE

    289.00

  • Market Capital( in Cr.)

    2,405.43

  • P/C Ratio

    26.00

  • P/E Ratio

    26.00

  • 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 3,398,286 4.08 3,398,286 31
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 2,524,586 3.03 2,524,586 2
Individuals (Non-Resident / Foreign) 0 0.00 0 0
NSDL Intransit 0 0.00 0 0
Others 121,632 0.15 121,632 2
Trusts 0 0.00 0 0
Venture Capital Funds 0 0.00 0 0
Sub total 6,328,224 7.60 6,328,224 36
2] Non Institution
Bodies Corporate 2,184,932 2.63 2,184,932 248
Clearing Members 3,271 0.00 3,271 1
Directors of their Relatives 5,360 0.01 5,360 2
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 439,200 0.53 439,200 960
Foreign Non Institution Other 0 0.00 0 0
Hindu Undivided Families 360,708 0.43 360,708 1,389
Indian Public 0 0.00 0 0
Individuals holding nominal share capital in excess of Rs. 1 lakh 4,313,513 5.18 4,313,513 51
Individuals holding nominal share capital up to Rs. 1 lakh 7,164,208 8.61 7,164,208 61,404
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 2,663 0.00 2,663 4
Others 4,326 0.01 4,326 2
Sub Total 14,478,181 17.40 14,478,181 64,061
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 64,104

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

  • 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 289.05 1,478.38 150.05 25.99 0.00
Kotak Mah. Bank 2,138.45 56,072.01 45,798.91 25.85 0.00
HDFC Bank 1,935.05 307,581.57 258,340.58 22.01 0.00
ICICI Bank 1,426.85 165,848.71 142,890.94 21.55 0.00
St Bk of India 792.85 524,172.41 462,489.35 9.98 0.00
Karur Vysya Bank 248.45 9,862.63 8,203.94 10.30 0.00
Bank of Baroda 240.70 138,088.97 121,441.64 6.36 0.00
Federal Bank 205.50 25,267.53 22,188.26 12.46 0.00
Canara Bank 111.25 142,207.87 119,755.07 5.93 0.00
IDBI Bank 94.44 30,037.04 26,426.13 13.51 0.00
UCO Bank 31.30 29,473.55 25,066.91 16.05 0.00