Fino Payments Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
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The Board approved unaudited financial results for the quarter ended June 30, 2025, with a limited review by statutory auditors A P Sanzgiri & Co. Total income stood at Rs 45,347 lakhs, up about 3.8% year-on-year from Rs 43,686 lakhs, supported by a sharp ~35% rise in interest earned. Net profit was Rs 2,400 lakhs, marginally lower than Rs 2,427 lakhs in Q1 FY25 but down sequentially from Rs 2,970 lakhs in Q4 FY25. Return on assets fell to 0.41% (from 0.71% YoY), while the Capital Adequacy Ratio remained strong at 73.35% (vs 76.31%). The Board re-appointed Mr. Rajat Kumar Jain as Independent Director and Part-Time Chairperson for a second 3-year term, appointed M/s. Bilimoria Mehta & Co. as the new Statutory Central Auditor (replacing A P Sanzgiri & Co., with RBI approval), and M/s. Alwyn Jay & Co. as Secretarial Auditor for 5 years.
Earnings are broadly stable with modest top-line growth but mild YoY profit softness and declining return ratios, though the high capital adequacy ratio provides a strong cushion. Governance continuity is maintained and the auditor rotation is a routine compliance step.