What the business is, and whether it's a good one at a fair price.
Operates as a payments bank in India, taking deposits and providing domestic remittances, AEPS, UPI, and merchant payment services to retail and migrant customers. For the period ending 31 December 2024, segment revenue split between Other Banking Operations at 66.9% (₹905.67 crore), Retail Banking at 22.6% (₹305.44 crore), and Treasury at 10.5% (₹142.25 crore); corporate/wholesale banking recorded no revenue, as payment banks are not permitted to lend. The customer base reached 1.75 crore by FY26 (up 22% YoY) with total deposits at an all-time high of ₹2,957 crore as of March 2026, anchored on low-cost CASA where renewal income grew 25% YoY to ₹237 crore. The bank paused its UPI P2M digital payments business for risk recalibration, contributing to transaction throughput falling 35% YoY to ₹2,830 crore in June 2026. A ₹1,300 crore loan-referral book is operating as a proof-of-concept ahead of the planned transition to a Small Finance Bank, which received RBI in-principle approval in December 2025, the first such approval for any Indian payment bank. The bank holds ₹5,311.9 crore of total assets with an 83% capital adequacy ratio against a 15% regulatory minimum and has completed a ₹200 crore core-banking migration to Finacle.
Measured from the filed financials, judged against its Other Bank peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from FINO PAYMENTS BANK LTD's filed financials and exchange disclosures
FINO PAYMENTS BANK LTD is a Banks company listed on NSE and BSE, trading under the symbol FINOPB.
Yes. Over the trailing twelve months FINO PAYMENTS BANK LTD reported a net profit of ₹21 Cr.
Not in the latest reported year — FINO PAYMENTS BANK LTD's dividend payout for FY26 was nil.
No..
On trailing P/E, FINO PAYMENTS BANK LTD ranks 8 of 8 in Other Bank — cheaper than 0% of them, against an industry median of 15.4×. This is a position, not a valuation judgement.
On a typical session FINO PAYMENTS BANK LTD moves 1.75% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by FINO PAYMENTS BANK LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
