About Fino Payments Bank Limited
Data last updated: 15 July 2026
Fino Payments Bank Limited is a public limited company based in Navi Mumbai, Maharashtra, India, a subsidiary of Fino Paytech Limited. It specialises in banking institutions, a part of the broader financial services sector. Incorporated on 23 June 2007, the company has been in operation for over 19 years.
Registered with ROC Mumbai under CIN U74900MH2007PTC171959. Listed on BSE: 543386 and NSE: FINOPB.
Capital: an authorised share capital of ₹90 Cr and a paid-up capital of ₹83.22 Cr. Formerly known as Fino Fintech Foundation and Fino Payments Bank Private Limited. It is led by directors including Rajat Kumar Jain and Rakesh Bhartia.
Last AGM: 29 August 2025. Financial statements filed for year ended 31 March 2025. Office: Navi Mumbai, Maharashtra.
As per NSE-filed standalone financials for FY 2026, the company reported a revenue of ₹248.18 Cr, a growth of 27.12% compared to the previous year. The net worth stands at ₹770.26 Cr (up 7.08% YoY). Total assets are valued at ₹5,311.9 Cr (up 26.3% YoY).
The company has a workforce of approximately 3,403 employees as per the latest available data. It operates as a subsidiary of Fino Paytech Limited.
The company is associated with 1 brand - Fino. As per MCA filings, the company has open charges of ₹70.73 Cr and satisfied charges of ₹14.29 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website finobank.com.
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Registered AddressMindspace Juinagar 8Th Floor Plot No. Gen 2/1/F Tower 1 Ttc Industrial Area Midc Shirwan, E Juinagar, Navi Mumbai, Maharashtra, India – 400706
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IndustryFinancial Services, Banking Institutions
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
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Name History of Fino Payments Bank Limited
Fino Payments Bank Limited has undergone 6 name changes throughout its history. The current legal name is Fino Payments Bank Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Fino Payments Bank Limited | Current |
| Fino Fintech Foundation | Previous |
| Fino Payments Bank Private Limited | Previous |
| Fino Fintech Imited | Previous |
| Fino Fintech Ltd | Previous |
| Fino Fintech Private Limited | Previous |
| Fino Fintech Limited | Previous |
CIN History of Fino Payments Bank Limited
Fino Payments Bank Limited has 4 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L65100MH2007PLC171959, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65100MH2007PLC171959 | Current |
| U74900MH2007PTC171959 | Previous |
| U74900MH2007NPL171959 | Previous |
| U65100MH2007PLC171959 | Previous |
| U74900MH2007PLC171959 | Previous |
Associated Brands with Fino Payments Bank Limited
Fino Payments Bank Limited operates one associated brand: FINO. These brands represent Fino Payments Bank Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Commercial banking services with payment products and accounts are provided. | finobank.com |
Competitors & Alternatives of Fino Payments Bank Limited
Brands and companies operating in the same space as Fino Payments Bank Limited include Yes Bank, Axis Bank, RBL Bank and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Yes Bank
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Commercial banking services are offered to individuals and businesses. | Mumbai, India, India | 2004 |
Axis Bank
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Provider of a commercial banking services | Mumbai, India, India | 1993 |
RBL Bank
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Commercial banking services for personal and business needs are provided. | Mumbai, India, India | 1943 |
Bandhan Bank
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Personal and business banking services are offered to underbanked markets. | Kolkata, India, India | 2014 |
Citi
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Diversified financial services are offered through commercial banking operations. | New York, United States, United States | 1812 |
HDFC Bank
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Commercial and personal banking services are offered by HDFC Bank. | Mumbai, India, India | 1994 |
Kotak Mahindra Bank
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Commercial banking services are offered to corporate and retail customers. | Mumbai, India, India | 1985 |
IndusInd Bank
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Personal and business banking products and services are provided. | Pune, India, India | 1994 |
Bank of America
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Commercial banking and asset management services are offered worldwide. | Charlotte, United States, United States | 1904 |
UniCredit
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Commercial bank | Milan, Italy, Italy | 1998 |
Business Activity of Fino Payments Bank Limited
Fino Payments Bank Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | Locked |
Business activity turnover details for Fino Payments Bank Limited
Turnover contribution percentages and historical activity changes require an active report plan.
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Auditor Details of Fino Payments Bank Limited
Fino Payments Bank Limited is audited by BILIMORIA MEHTA & CO (ICAI peer reviewed, certificate valid till 2027-06-30) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.
| Name | Financial year | Audit opinion |
|---|---|---|
| BILIMORIA MEHTA & CO (ICAI peer reviewed, certificate valid till 2027-06-30) | FY 2026 | Declaration of unmodified opinion |
Board of Directors of Fino Payments Bank Limited
Fino Payments Bank Limited is currently managed by 7 directors, with 21 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
Financials of Fino Payments Bank Limited FY 2026 filings available
Fino Payments Bank Limited reported revenue of ₹248.18 Cr (up 27.12% YoY) for FY 2026.
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2022 |
|---|---|---|---|---|
| Revenue from Operations | ₹248.18 Cr | ₹195.23 Cr | ₹150.05 Cr | ₹35.63 Cr |
| Interest Earned | ₹248.18 Cr | ₹195.23 Cr | ₹150.05 Cr | ₹35.63 Cr |
| Other Income | ₹1,339.75 Cr | ₹1,651.87 Cr | ₹1,328.33 Cr | ₹973.22 Cr |
| Total Income | ₹1,587.93 Cr | ₹1,847.1 Cr | ₹1,478.38 Cr | ₹1,008.85 Cr |
| Employee Benefit Expense | ₹222.29 Cr | ₹206.58 Cr | ₹177.37 Cr | ₹133.25 Cr |
| Interest Expended | ₹114.28 Cr | ₹100.58 Cr | ₹78.9 Cr | ₹15.31 Cr |
| Operating Expenses | ₹1,401.85 Cr | ₹1,638.17 Cr | ₹1,312.62 Cr | ₹950.8 Cr |
| Operating Profit before Provisions | ₹71.8 Cr | ₹108.35 Cr | ₹86.86 Cr | ₹42.74 Cr |
| Provisions (other than tax) | ₹0 | ₹0 | ₹56 Lakh | ₹0 |
| Profit Before Tax | ₹67.41 Cr | ₹108.35 Cr | ₹86.3 Cr | ₹42.74 Cr |
| Total Tax Expense | ₹14.95 Cr | ₹15.82 Cr | ₹8 Lakh | ₹0 |
| Net Profit | ₹52.46 Cr | ₹92.53 Cr | ₹86.22 Cr | ₹42.74 Cr |
| Basic EPS | ₹6.30 | ₹11.12 | ₹10.36 | ₹5.34 |
| Diluted EPS | ₹6.29 | ₹11.08 | ₹10.36 | ₹5.34 |
| Gross NPA | ₹0 | ₹0 | ₹0 | ₹0 |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.03% |
| CET1 Ratio % | 0.75% | 0.74% | 0.79% | 1.00% |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2022 |
|---|---|---|---|---|
| Total Assets | ₹5,311.9 Cr | ₹4,205.93 Cr | ₹3,419.11 Cr | - |
| Equity (Net Worth) | ₹770.26 Cr | ₹719.3 Cr | ₹627.95 Cr | ₹476.64 Cr |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2022 |
|---|---|---|---|---|
| Operating Cash Flow | -₹306.71 Cr | ₹76.19 Cr | ₹56.78 Cr | ₹207.43 Cr |
| Investing Cash Flow | -₹142.72 Cr | -₹164.45 Cr | -₹103.76 Cr | -₹64.31 Cr |
| Financing Cash Flow | ₹695.84 Cr | ₹126.9 Cr | ₹278.59 Cr | ₹352.22 Cr |
| Dividends Paid | ₹0 | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹246.41 Cr | ₹38.64 Cr | ₹231.61 Cr | ₹495.34 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q1 FY23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹64.1 Cr | ₹62.96 Cr | ₹60.11 Cr | ₹60.99 Cr | ₹52.78 Cr | ₹49.35 Cr | ₹47.75 Cr | ₹45.33 Cr | ₹41.4 Cr | ₹39.15 Cr | ₹36.53 Cr | ₹18.73 Cr |
| Interest Earned | ₹64.1 Cr | ₹62.96 Cr | ₹60.11 Cr | ₹60.99 Cr | ₹52.78 Cr | ₹49.35 Cr | ₹47.75 Cr | ₹45.33 Cr | ₹41.4 Cr | ₹39.15 Cr | ₹36.53 Cr | ₹18.73 Cr |
| Other Income | ₹275.88 Cr | ₹331.45 Cr | ₹339.94 Cr | ₹392.48 Cr | ₹440.71 Cr | ₹411.99 Cr | ₹407.66 Cr | ₹391.53 Cr | ₹359.9 Cr | ₹331.05 Cr | ₹322.05 Cr | ₹270.32 Cr |
| Total Income | ₹339.98 Cr | ₹394.41 Cr | ₹400.05 Cr | ₹453.47 Cr | ₹493.49 Cr | ₹461.34 Cr | ₹455.41 Cr | ₹436.86 Cr | ₹401.3 Cr | ₹370.2 Cr | ₹358.58 Cr | ₹289.05 Cr |
| Employee Benefit Expense | ₹53.32 Cr | ₹54.16 Cr | ₹56.49 Cr | ₹58.31 Cr | ₹54.93 Cr | ₹52.17 Cr | ₹49.71 Cr | ₹49.77 Cr | ₹46.29 Cr | ₹44.29 Cr | ₹44.05 Cr | ₹39.42 Cr |
| Interest Expended | ₹28.88 Cr | ₹29.41 Cr | ₹27.62 Cr | ₹28.37 Cr | ₹25.99 Cr | ₹25.65 Cr | ₹25.05 Cr | ₹23.89 Cr | ₹22.99 Cr | ₹21.59 Cr | ₹18.87 Cr | ₹7.69 Cr |
| Operating Expenses | ₹305.71 Cr | ₹344.45 Cr | ₹351.21 Cr | ₹400.47 Cr | ₹437.8 Cr | ₹407.24 Cr | ₹404.43 Cr | ₹388.7 Cr | ₹353.02 Cr | ₹325.81 Cr | ₹319.63 Cr | ₹271.26 Cr |
| Operating Profit before Provisions | ₹5.39 Cr | ₹20.55 Cr | ₹21.22 Cr | ₹24.63 Cr | ₹29.7 Cr | ₹28.45 Cr | ₹25.93 Cr | ₹24.27 Cr | ₹25.29 Cr | ₹22.8 Cr | ₹20.08 Cr | ₹10.1 Cr |
| Provisions (other than tax) | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹56 Lakh | ₹0 |
| Profit Before Tax | ₹4.1 Cr | ₹17.45 Cr | ₹21.22 Cr | ₹24.63 Cr | ₹29.7 Cr | ₹28.45 Cr | ₹25.93 Cr | ₹24.27 Cr | ₹25.29 Cr | ₹22.8 Cr | ₹19.52 Cr | ₹10.1 Cr |
| Total Tax Expense | -₹3 Cr | ₹5.2 Cr | ₹5.87 Cr | ₹6.87 Cr | ₹5.7 Cr | ₹5.34 Cr | ₹4.78 Cr | ₹0 | ₹8 Lakh | ₹0 | ₹0 | ₹0 |
| Net Profit | ₹7.1 Cr | ₹12.25 Cr | ₹15.35 Cr | ₹17.76 Cr | ₹24 Cr | ₹23.11 Cr | ₹21.15 Cr | ₹24.27 Cr | ₹25.21 Cr | ₹22.8 Cr | ₹19.52 Cr | ₹10.1 Cr |
| Basic EPS | ₹0.85 | ₹1.47 | ₹1.84 | ₹2.13 | ₹2.89 | ₹2.78 | ₹2.54 | ₹2.92 | ₹3.03 | ₹2.74 | ₹2.35 | ₹1.21 |
| Diluted EPS | ₹0.85 | ₹1.47 | ₹1.84 | ₹2.13 | ₹2.88 | ₹2.76 | ₹2.53 | ₹2.91 | ₹3.02 | ₹2.74 | ₹2.35 | ₹1.21 |
| Gross NPA | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% |
| CET1 Ratio % | 0.75% | 0.67% | 0.70% | 0.67% | 0.74% | 0.61% | 0.75% | 0.76% | 0.79% | 0.76% | 0.78% | 1.00% |
| Segment · Q4 FY26 (latest quarter) | Revenue | Result (PBIT) | Assets | Liabilities |
|---|---|---|---|---|
| Corporate/ Wholesale Banking | ₹0 | ₹0 | ₹0 | ₹0 |
| Retail Banking | ₹118.61 Cr | ₹61.11 Cr | ₹71.14 Cr | ₹2,435.38 Cr |
| Treasury | ₹64.2 Cr | ₹45.21 Cr | ₹4,391.47 Cr | ₹1,339.94 Cr |
| Other Banking Operations | ₹157.14 Cr | -₹2.5 Cr | ₹387.8 Cr | ₹646.71 Cr |
| Unallocated | ₹3 Lakh | ₹0 | ₹461.49 Cr | ₹84.66 Cr |
| Segment · FY 2026 (annual) | Revenue | Result (PBIT) | Assets | Liabilities |
|---|---|---|---|---|
| Corporate/ Wholesale Banking | ₹0 | ₹0 | - | - |
| Retail Banking | ₹493.5 Cr | ₹234.59 Cr | - | - |
| Treasury | ₹248.19 Cr | ₹176.46 Cr | - | - |
| Other Banking Operations | ₹845.62 Cr | ₹34.06 Cr | - | - |
| Unallocated | ₹61 Lakh | ₹0 | - | - |
Board & Governance of Fino Payments Bank Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Fino Payments Bank Limited has 8 directors - 5 independent and 1 executive. The board is chaired by Rajat Kumar Jain.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| Rajat Kumar Jain | Non-Executive - Independent Director · Chairperson | 2020-11-02 | 4 |
| Deena Asit Mehta | Non-Executive - Independent Director | 2020-03-19 | 4 |
| Rakesh Bhartia | Non-Executive - Independent Director | 2022-07-27 | 2 |
| Anita Sudhir Pai | Non-Executive - Independent Director | 2024-01-11 | 1 |
| Neeta Ananda Mukerji | Non-Executive - Independent Director | 2024-03-05 | 2 |
| Pankaj Kumar | Non-Executive - Nominee Director | 2023-04-11 | 1 |
| Prateek Roongta | Non-Executive - Nominee Director | 2022-10-31 | 3 |
| Rishi Gupta | Executive Director · CEO-MD | 2007-06-23 | 1 |
| Committee | Members |
|---|---|
| Audit Committee | Deena Asit Mehta (Chairperson), Anita Sudhir Pai, Neeta Ananda Mukerji, Pankaj Kumar |
| Nomination and remuneration committee | Anita Sudhir Pai (Chairperson), Rajat Kumar Jain, Deena Asit Mehta, Prateek Roongta, Rakesh Bhartia (Chairperson) |
| Stakeholders Relationship Committee | Rakesh Bhartia (Chairperson), Pankaj Kumar, Rishi Gupta, Neeta Ananda Mukerji |
| Risk Management Committee | Neeta Ananda Mukerji (Chairperson), Deena Asit Mehta, Rakesh Bhartia, Prateek Roongta, Rishi Gupta |
| Corporate Social Responsibility Committee | Rishi Gupta (Chairperson), Rakesh Bhartia, Rajat Kumar Jain, Pankaj Kumar |
Charges & Borrowings of Fino Payments Bank Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 20 Jun 2025 | Idbi Bank Limited | ₹9.73 Cr | Open |
| 11 Dec 2024 | Others | ₹13.5 Cr | Open |
| 05 Mar 2024 | Indian Bank | ₹22.5 Cr | Open |
| 05 Dec 2019 | State Bank of India | ₹25 Cr | Open |
| 31 Oct 2019 | Others | ₹14.25 Cr | Satisfied |
Total charge records: 6 View all charges
Employees and EPFO Compliance at Fino Payments Bank Limited
View historical data on people associated with Fino Payments Bank Limited, including employment history and EPFO contributions.
Employee and EPFO history for Fino Payments Bank Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
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GST Compliance of Fino Payments Bank Limited
GST registrations and filing compliance for Fino Payments Bank Limited
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Credit Ratings, Litigation & Regulatory Alerts for Fino Payments Bank Limited
Credit ratings, litigation, and regulatory alerts for Fino Payments Bank Limited
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MSME Payment Delays by Fino Payments Bank Limited
MSME payment history for Fino Payments Bank Limited
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Subsidiaries & Group Companies of Fino Payments Bank Limited
Corporate group structure for Fino Payments Bank Limited
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MCA Filings & Documents of Fino Payments Bank Limited
MCA filings and documents for Fino Payments Bank Limited
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Recent Activity on Fino Payments Bank Limited
Recent News on Fino Payments Bank Limited
Frequently Asked Questions about Fino Payments Bank Limited
Fino Payments Bank Limited is an active public limited company in the financial services sector based in Navi Mumbai, Maharashtra, India. It was incorporated on 23 June 2007 (19+ years old) and is registered under CIN L65100MH2007PLC171959. Listed on BSE: 543386 and NSE: FINOPB. The company has 3,403 employees.
Fino Payments Bank Limited reported revenue of ₹248.18 Cr for FY 2026 (up 27.12% YoY) based on standalone NSE filings.
The current directors of Fino Payments Bank Limited are:
- Rajat Kumar Jain - Director
- Rakesh Bhartia - Director
- Prateek Roongta - Nominee Director
- Deena Asit Mehta - Director
- Pankaj Kumar - Nominee Director
- Neeta Mukerji - Director
- Anita Sudhir Pai - Director
The primary industry of Fino Payments Bank Limited is financial services. The company specifically operates in banking institutions. The company is currently active in this sector.
Yes. Fino Payments Bank Limited is listed on both BSE (code: 543386) and NSE (symbol: FINOPB).
Fino Payments Bank Limited can be reached at the registered office: Mindspace Juinagar 8Th Floor Plot No. Gen 21F Tower 1 Ttc Industrial Area Midc Shirwan, E Juinagar, Navi Mumbai, Maharashtra, India – 400706, or through the website finobank.com.