- Next results date: the board meets on 29 Oct 2026 to consider: financial results.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹1,011 Cr1,316th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 13 Aug 2026
- 48.2
- P/E without one-offsPrice to earnings without one-off items. Market cap divided by core profit: the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, less one-off items (exceptional items and the result of businesses sold or closed). Shown where the one-off items move that profit by more than a tenth. The last twelve months' profit includes −₹4.39 crore of one-off items, the largest of them in the quarter to Dec 2025.
- 39.9
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 29 Apr 2026
- 1.3
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 13 Aug 2026
- 2.7%
- ROE without one-offsReturn on equity without one-off items. Core profit, the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders less one-off items (exceptional items and the result of businesses sold or closed), as a percentage of the same net worth as the return on equity. Shown where the one-off items move that profit by more than a tenth. The last twelve months' profit includes −₹4.39 crore of one-off items, the largest of them in the quarter to Dec 2025.
- 3.3%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 3.45%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Jun 2026.
- 0.00%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Jun 2026.
- 0.00%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Jun 2026.
- 73.46%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 1.10%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 2,67,56446.6% delivered
Who owns Fino Payments Bank, filing by filing
Per cent of the company's shares. Every filing on record, from Dec 2021; the latest is the filing for Sep 2026.
Sep 2026 filing
- Promoters75.00%
- Foreign institutions0.03%
- Indian institutionsNone
- Individuals and others24.97%
Shareholding pattern, per cent, from Sep 2022
- Promoters
- Foreign institutions
- Indian institutions
- Individuals and others
| Per cent | Dec 2021Filed 18 Jan | Mar 2022Filed 16 Apr | Jun 2022Filed 20 Jul | Sep 2022Filed 20 Oct | Dec 2022Filed 19 Jan | Mar 2023Filed 17 Apr | Jun 2023Filed 18 Jul | Sep 2023Filed 16 Oct | Dec 2023Filed 15 Jan | Mar 2024Filed 19 Apr | Jun 2024Filed 18 Jul | Sep 2024Filed 15 Oct | Dec 2024Filed 20 Jan | Mar 2025Filed 18 Apr | Jun 2025Filed 21 Jul | Sep 2025Filed 21 Oct | Dec 2025Filed 20 Jan | Mar 2026Filed 20 Apr | Jun 2026Filed 20 Jul | Sep 2026Filed 21 Oct |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | |
| Indian promoters | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% | 75.00% |
| Public. Every shareholder outside the promoter group, the employee trusts and the shares held against depositary receipts, as the filing totals them. | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% |
| Shares in issue | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,14,302 | 8,32,18,402 | 8,32,18,402 | 8,32,18,402 | 8,32,18,402 | 8,32,18,402 | 8,32,18,402 | 8,32,18,402 |
| Shares locked inShares locked in. Shares the filing reports as barred from sale until a set day, such as promoters' shares after a public issue or shares allotted to an investor directly. | 6,24,11,985 | 6,24,11,997 | 6,24,11,997 | 6,24,11,997 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 0 | 0 | – | – | – | – | – | – |
| Promoters' shares locked in | 6,24,11,985 | 6,24,11,997 | 6,24,11,997 | 6,24,11,997 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 1,66,42,861 | 0 | 0 | – | – | – | – | – | – |
Filings before Sep 2022 are on an older form, which did not split institutions into foreign and Indian and grouped some holders differently, so those columns show only the lines both forms state alike. A dash is a line the filing did not state. “Under 0.01%” is a holding of shares too small to show at two decimals.
Fino Payments Bank promoters
Promoters are the founders, families and companies that control the company, as its filings name them. Every member of the promoter group holding shares in the filing for Sep 2026; the largest is FINO PAYTECH LIMITED, 75.00%. The filing names 4 more members with no shares.Promoter buying and selling
| Holder | ||
|---|---|---|
| FINO PAYTECH LIMITEDIndian companies, trusts and others | 75.00% | 6,24,11,985 |
| AMIT KUMAR JAINIndividuals and Hindu undivided families | 0.00% | 2 |
| ASHISH AHUJAIndividuals and Hindu undivided families | 0.00% | 2 |
| RAJEEV ARORAIndividuals and Hindu undivided families | 0.00% | 2 |
| RISHI GUPTAIndividuals and Hindu undivided families | 0.00% | 2 |
| SHAILESH B PANDEYIndividuals and Hindu undivided families | 0.00% | 2 |
| VIPRRAJ BHARDWAJIndividuals and Hindu undivided families | 0.00% | 2 |
No promoter shares are reported as pledged.
Largest public holders of Fino Payments Bank, filing by filing
Per cent, on the same shares as the split above.
| Holder | Dec 2021Filed 18 Jan | Mar 2022Filed 16 Apr | Jun 2022Filed 20 Jul | Sep 2022Filed 20 Oct | Dec 2022Filed 19 Jan | Mar 2023Filed 17 Apr | Jun 2023Filed 18 Jul | Sep 2023Filed 16 Oct | Dec 2023Filed 15 Jan | Mar 2024Filed 19 Apr | Jun 2024Filed 18 Jul | Sep 2024Filed 15 Oct | Dec 2024Filed 20 Jan | Mar 2025Filed 18 Apr | Jun 2025Filed 21 Jul | Sep 2025Filed 21 Oct | Dec 2025Filed 20 Jan | Mar 2026Filed 20 Apr | Jun 2026Filed 20 Jul | Sep 2026Filed 21 Oct |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SAMEER MANCHANDAResident individuals, over ₹2 lakh at face value | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 1.42% | 1.44% | 1.44% |
| ZODIAC BUSINESS VENTURES LLPCompanies | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 1.11% |
| ZODIAC WEALTH ADVISORS LLPCompanies | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 1.07% | 1.11% | – |
| ENVISION INDIA FUNDForeign portfolio investors, category I | – | – | – | – | – | – | – | – | – | – | 1.00% | 1.21% | 1.36% | 1.74% | 1.74% | 1.74% | 1.74% | – | – | – |
| FIDELITY FUNDS - INDIA FOCUS FUNDForeign portfolio investors, category I | 2.10% | 2.10% | 2.10% | 2.10% | 2.10% | 2.10% | 2.10% | 2.10% | 2.10% | 2.10% | 2.10% | 1.81% | 1.51% | 1.25% | – | – | – | – | – | – |
| FIDELITY FUNDS - PACIFIC FUNDForeign portfolio investors, category I | 2.06% | 2.06% | 2.06% | 2.06% | 2.06% | 2.06% | 2.06% | 1.86% | 1.85% | 1.36% | 1.29% | – | – | – | – | – | – | – | – | – |
| CAPRI GLOBAL HOLDINGS PRIVATE LIMITEDCompanies | – | – | – | – | 2.38% | 2.38% | 2.38% | 2.36% | 2.23% | 2.16% | 1.21% | – | – | – | – | – | – | – | – | – |
| STEINBERG INDIA EMERGING OPPORTUNITIES FUND LIMITEDForeign portfolio investors, category I | – | 1.56% | 1.92% | 1.92% | 1.50% | 1.02% | – | – | – | – | – | – | – | – | – | – | – | – | – | – |
| HSBC GLOBAL INVESTMENT FUNDS - ASIA EX JAPAN EQUITY SMALLER COMPANIESInstitutions Foreign Portfolio Investor | – | 1.36% | 1.35% | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – |
| PINEBRIDGE GLOBAL FUNDS - PINEBRIDGE INDIA EQUITYInstitutions Foreign Portfolio Investor | 1.77% | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – |
| HSBC GLOBAL INVESTMENT FUNDS - ASIA EX JAPAN EQUITInstitutions Foreign Portfolio Investor | 1.25% | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – |
| SOCIETE GENERALEInstitutions Foreign Portfolio Investor | 1.03% | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – |
A filing names every holder above one per cent, in the company's own words: an insurer's holding can carry one of its funds' names. A dash is a filing that did not name the holder, which includes holding under one per cent.