alphaveFINOPB₹139.65

Fino Payments Bank Limited

Annual Quarterly₹ CrorePeersCAPITALSFB SURYODAY UTKARSHBNKMcap ₹1,162 Cr

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In ₹ Crore except Per Share 12 Months Ending	Q2 FY24 30/09/2023	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026
Interest Income
+ Interest on Advances / Bills	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
+ Income on Investments	28.0	30.4	32.8	37.5	36.8	37.7	39.8	44.9	43.8	46.2	46.5	54.4
+ Interest on RBI / Interbank	8.5	8.7	8.3	7.7	10.9	11.7	12.7	15.6	16.3	16.8	17.6	17.8
+ Other Interest	0.0	0.0	0.3	0.2	0.0	0.0	0.4	0.6	0.0	0.0	0.0	0.0
Interest Earned	36.5	39.2	41.4	45.3	47.8	49.4	52.8	61.0	60.1	63.0	64.1	72.2
Interest Expended	18.9	21.6	23.0	23.9	25.1	25.7	26.0	28.4	27.6	29.4	28.9	35.3
Net Interest Income	17.7	17.6	18.4	21.4	22.7	23.7	26.8	32.6	32.5	33.6	35.2	36.9
Other Income	322.1	331.1	359.9	391.5	407.7	412.0	440.7	392.5	339.9	331.5	275.9	234.6
Total Income	358.6	370.2	401.3	436.9	455.4	461.3	493.5	453.5	400.1	394.4	340.0	306.9
Operating
+ Employee Cost	44.1	44.3	46.3	49.8	49.7	52.2	54.9	58.3	56.5	54.2	53.3	57.8
+ Other Operating Expenses	275.6	281.5	306.7	338.9	354.7	355.1	382.9	342.2	294.7	290.3	252.4	227.4
Operating Expenses	319.6	325.8	353.0	388.7	404.4	407.2	437.8	400.5	351.2	344.5	305.7	285.3
Operating Profit (PPOP)	20.1	22.8	25.3	24.3	25.9	28.5	29.7	24.6	21.2	20.6	5.4	-13.7
Provisions & Contingencies	0.6	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Profit
Pretax Income	19.5	22.8	25.3	24.3	25.9	28.5	29.7	24.6	21.2	17.5	4.1	-13.7
Tax Expense	0.0	0.0	0.1	0.0	4.8	5.3	5.7	6.9	5.9	5.2	-3.0	0.0
Net Income	19.5	22.8	25.2	24.3	21.2	23.1	24.0	17.8	15.4	12.3	7.1	-13.7
Net Income to Common	19.5	22.8	25.2	24.3	21.2	23.1	24.0	17.8	15.4	12.3	7.1	-13.7
Per Share
Basic EPS	2.35	2.74	3.03	2.92	2.54	2.78	2.89	2.13	1.84	1.47	0.85	-1.65
Diluted EPS	2.35	2.74	3.02	2.91	2.53	2.76	2.88	2.13	1.84	1.47	0.85	-1.65
Book Value per Share	0.0	0.0	0.0	0.0	0.0	0.0	0.0	—	0.0	—	0.0	0.0
Per Share — as-filed variants
Basic EPS before Extraordinary Items	2.35	2.74	3.03	2.92	2.54	2.78	2.89	2.13	1.84	1.47	0.85	-1.65
Diluted EPS before Extraordinary Items	2.35	2.74	3.02	2.91	2.53	2.76	2.88	2.13	1.84	1.47	0.85	-1.65
Regulatory Disclosures — filed alongside, not part of the P&L
Related-party Transactions — During the Period	—	—	—	—	—	—	4.1	—	4.9	—	8.0	—
Other Filed Concepts — mapped but not yet placed in the schedule
Cet1 Ratio	0.78	0.76	0.79	0.76	0.75	0.61	0.74	0.67	0.70	0.67	0.75	0.73
Exceptional Items	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-3.1	-1.3	0.0
Expenditure Ex Provisions	338.5	347.4	376.0	412.6	429.5	432.9	463.8	428.8	378.8	373.9	334.6	320.6
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Filed Roa	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.00
Paid Up Equity Capital	83.2	83.2	83.2	83.2	83.2	83.2	83.2	83.2	83.2	83.2	83.2	83.2
Pat Ordinary	19.5	22.8	25.2	24.3	21.2	23.1	24.0	17.8	15.4	12.3	7.1	-13.7

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.