Question 1

What was Fino Payments Bank's net profit in Q2 FY27?

Accepted Answer

Standalone net loss was ₹20.9 crore, against a profit of ₹15.4 crore in Q2 FY26 and wider than the loss of ₹13.7 crore in Q1 FY27.

Question 2

What was Fino Payments Bank's net interest income in Q2 FY27?

Accepted Answer

Net interest income (interest earned less interest paid) was ₹39 crore, up 20.0% on the year. Operating profit before provisions was ₹20.9 crore.

Question 3

How were Fino Payments Bank's Q2 FY27 results?

Accepted Answer

A net loss of ₹20.9 crore, against a profit of ₹15.4 crore in Q2 FY26. Net interest income was up 20.0% at ₹39 crore. Gross NPAs were 0.00% of advances, against 0.00% a year earlier.

Question 4

What were Fino Payments Bank's NPAs in Q2 FY27?

Accepted Answer

Gross non-performing assets (NPAs) were 0.00% of gross advances, against 0.00% a year earlier and 0.00% in Q1 FY27. Net NPAs were 0.00% of net advances (0.00% a year earlier).

Question 5

How much did Fino Payments Bank's deposits and loans grow in Q2 FY27?

Accepted Answer

On 30 September 2026, deposits were ₹2,299 crore, up 10.0% from ₹2,091 crore a year earlier, and advances (loans) were ₹4 lakh, down 69.2% from ₹13 lakh a year earlier.

Question 6

What was Fino Payments Bank's net profit in the first half of FY27?

Accepted Answer

Standalone net loss for the first half of FY27 (April–September 2026) was ₹34.6 crore, against a profit of ₹33.1 crore in the same months a year earlier. Net interest income was ₹75.9 crore, up 16.6%.

Question 7

What was Fino Payments Bank's EPS in Q2 FY27?

Accepted Answer

Basic earnings per share were −₹2.51.

Question 8

What was Fino Payments Bank's net profit in FY26?

Accepted Answer

Standalone net profit was ₹52.5 crore in FY26 (April 2025–March 2026), down 43.3% from ₹92.5 crore in FY25. It was ₹86.2 crore in FY24 and ₹42.7 crore in FY22: up 22.7% over three years, 7.1% a year on average.

Question 9

When did Fino Payments Bank announce its Q2 FY27 results?

Accepted Answer

On Thursday, 29 October 2026 at 7:29 pm IST, in its results filing to the stock exchanges. A year earlier it reported Q2 FY26 on 29 October 2025.

Question 10

How has Fino Payments Bank's profit changed over the last four quarters?

Accepted Answer

Net profit by quarter: a profit of ₹12.3 crore in Q3 FY26, a profit of ₹7.1 crore in Q4 FY26, a loss of ₹13.7 crore in Q1 FY27 and a loss of ₹20.9 crore in Q2 FY27. That is a combined loss of ₹15.3 crore over the four quarters. Net interest income: ₹33.6 crore, ₹35.2 crore, ₹36.9 crore and ₹39 crore.

Question 11

What was Fino Payments Bank's net interest income in FY26?

Accepted Answer

Net interest income was ₹134 crore in FY26 (April 2025–March 2026), up 41.5% from ₹94.7 crore in FY25. It was ₹71.2 crore in FY24 and ₹20.3 crore in FY22: up 559.0% over three years, 87.5% a year on average.

Question 12

When will Fino Payments Bank announce its Q3 FY27 results?

Accepted Answer

Q3 FY27 covers October–December 2026. Listed companies must publish quarterly results within 45 days of the quarter's end (SEBI listing rules, Regulation 33), so the results are due by 14 February 2027. The company tells the exchanges the date of the board meeting at least two working days before it.

Question 13

Where do these Fino Payments Bank figures come from?

Accepted Answer

From Fino Payments Bank's own standalone results filings to NSE, in ₹ crore as filed (Q2 FY27 on 29 October 2026). Growth compares the same standalone figures a year and a quarter earlier.

₹ crore	Q2 FY27	Q2 FY26	Change
Total income	334	400	−16.6%
Net interest income	39.0	32.5	+20.0%
Operating profit	−20.9	21.2	—
Net profit	−20.9	15.4	—
EPS	−₹2.51	₹1.84	—

Interest income
	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	56.3	54.4	46.5	46.2	43.8	44.9	39.8	37.7	36.8	37.5	32.8	30.4
	18.1	17.8	17.6	16.8	16.3	15.6	12.7	11.7	10.9	7.7	8.3	8.7
	0.0	0.0	0.0	0.0	0.0	0.6	0.4	0.0	0.0	0.2	0.3	0.0
	74.5	72.2	64.1	63.0	60.1	61.0	52.8	49.4	47.8	45.3	41.4	39.2
	35.5	35.3	28.9	29.4	27.6	28.4	26.0	25.7	25.1	23.9	23.0	21.6
	39.0	36.9	35.2	33.6	32.5	32.6	26.8	23.7	22.7	21.4	18.4	17.6
	259	235	276	331	340	392	441	412	408	392	360	331
	334	307	340	394	400	453	493	461	455	437	401	370
Operating
	58.8	57.8	53.3	54.2	56.5	58.3	54.9	52.2	49.7	49.8	46.3	44.3
	260	227	252	290	295	342	383	355	355	339	307	282
	319	285	306	344	351	400	438	407	404	389	353	326
	−20.9	−13.7	5.4	20.6	21.2	24.6	29.7	28.5	25.9	24.3	25.3	22.8
Profit
	−20.9	−13.7	4.1	17.5	21.2	24.6	29.7	28.5	25.9	24.3	25.3	22.8
	0.0	0.0	−3.0	5.2	5.9	6.9	5.7	5.3	4.8	0.0	0.1	0.0
	−20.9	−13.7	7.1	12.3	15.4	17.8	24.0	23.1	21.2	24.3	25.2	22.8
	−20.9	−13.7	7.1	12.3	15.4	17.8	24.0	23.1	21.2	24.3	25.2	22.8
Per share
	−₹2.51	−₹1.65	₹0.85	₹1.47	₹1.84	₹2.13	₹2.89	₹2.78	₹2.54	₹2.92	₹3.03	₹2.74
	−₹2.51	−₹1.65	₹0.85	₹1.47	₹1.84	₹2.13	₹2.88	₹2.76	₹2.53	₹2.91	₹3.02	₹2.74
	0.0	0.0	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
	−₹2.51	−₹1.65	₹0.85	₹1.47	₹1.84	₹2.13	₹2.89	₹2.78	₹2.54	₹2.92	₹3.03	₹2.74
	−₹2.51	−₹1.65	₹0.85	₹1.47	₹1.84	₹2.13	₹2.88	₹2.76	₹2.53	₹2.91	₹3.02	₹2.74
Regulatory disclosures — filed alongside, not part of the P&L
	4.6	—	8.0	—	4.9	—	4.1	—	—	—	—	—

In ₹ Crore except Per Share 3 Months Ending	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	Q2 FY27 30/09/2026
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	30.4	32.8	37.5	36.8	37.7	39.8	44.9	43.8	46.2	46.5	54.4	56.3
+ Interest on RBI / Interbank	8.7	8.3	7.7	10.9	11.7	12.7	15.6	16.3	16.8	17.6	17.8	18.1
+ Other Interest	0.0	0.3	0.2	0.0	0.0	0.4	0.6	0.0	0.0	0.0	0.0	0.0
Interest Earned	39.2	41.4	45.3	47.8	49.4	52.8	61.0	60.1	63.0	64.1	72.2	74.5
Interest Expended	21.6	23.0	23.9	25.1	25.7	26.0	28.4	27.6	29.4	28.9	35.3	35.5
Net Interest Income	17.6	18.4	21.4	22.7	23.7	26.8	32.6	32.5	33.6	35.2	36.9	39.0
Other Income	331.1	359.9	391.5	407.7	412.0	440.7	392.5	339.9	331.5	275.9	234.6	259.2
Total Income	370.2	401.3	436.9	455.4	461.3	493.5	453.5	400.1	394.4	340.0	306.9	333.6
Operating
+ Employee Cost	44.3	46.3	49.8	49.7	52.2	54.9	58.3	56.5	54.2	53.3	57.8	58.8
+ Other Operating Expenses	281.5	306.7	338.9	354.7	355.1	382.9	342.2	294.7	290.3	252.4	227.4	260.2
Operating Expenses	325.8	353.0	388.7	404.4	407.2	437.8	400.5	351.2	344.5	305.7	285.3	319.1
Operating Profit (PPOP)	22.8	25.3	24.3	25.9	28.5	29.7	24.6	21.2	20.6	5.4	-13.7	-20.9
Profit
Pretax Income	22.8	25.3	24.3	25.9	28.5	29.7	24.6	21.2	17.5	4.1	-13.7	-20.9
Tax Expense	0.0	0.1	0.0	4.8	5.3	5.7	6.9	5.9	5.2	-3.0	0.0	0.0
Net Income	22.8	25.2	24.3	21.2	23.1	24.0	17.8	15.4	12.3	7.1	-13.7	-20.9
Net Income to Common	22.8	25.2	24.3	21.2	23.1	24.0	17.8	15.4	12.3	7.1	-13.7	-20.9
Per Share
Basic EPS	2.74	3.03	2.92	2.54	2.78	2.89	2.13	1.84	1.47	0.85	-1.65	-2.51
Diluted EPS	2.74	3.02	2.91	2.53	2.76	2.88	2.13	1.84	1.47	0.85	-1.65	-2.51
Book Value per Share	0.0	0.0	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	2.74	3.03	2.92	2.54	2.78	2.89	2.13	1.84	1.47	0.85	-1.65	-2.51
Diluted EPS before Extraordinary Items	2.74	3.02	2.91	2.53	2.76	2.88	2.13	1.84	1.47	0.85	-1.65	-2.51
Regulatory Disclosures — filed alongside, not part of the P&L
Related-party Transactions — During the Period	—	—	—	—	—	4.1	—	4.9	—	8.0	—	4.6
Other Filed Concepts — mapped but not yet placed in the schedule
Cet1 Ratio	0.76	0.79	0.76	0.75	0.61	0.74	0.67	0.70	0.67	0.75	0.73	0.71
Exceptional Items	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-3.1	-1.3	0.0	0.0
Expenditure Ex Provisions	347.4	376.0	412.6	429.5	432.9	463.8	428.8	378.8	373.9	334.6	320.6	354.5
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	0.01	0.00	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	22.8	25.2	24.3	21.2	23.1	24.0	17.8	15.4	12.3	7.1	-13.7	-20.9

Fino Payments Bank quarterly results

Every quarter

Fino Payments Bank Limited

Fino Payments Bank Q2 FY27 results (July–September 2026)

Q2 FY27 at a glance · standalone

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