INTEGRATED FILING — BANKING



General information about company

Scrip code 543386
NSE Symbol FINOPB
MSEI Symbol NOTLISTED
ISIN INE02NC01014
Name of bank Fino Payments Bank Limited
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 30-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 22-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 30-Jul-2025   15:20:00
End date and time of board meeting 30-Jul-2025   18:20:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? Yes
No. of times funds raised during the quarter 1
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
There is no default on loans and debt securities by the Company during the quarter ended June 30, 2025. Therefore, the said disclosure is not applicable.


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 100000 100000
Income on investments 448700000 448700000
Interest on balances with reserve bank of India and other inter bank funds 155600000 155600000
Others 5500000 5500000
Total interest earned 609900000 609900000
2 Other income 3924800000 3924800000
3 Total income 4534700000 4534700000
Expenses
4 Interest expenses 283700000 283700000
5 Operating expenses
(i) Employees cost 583100000 583100000
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent, taxes and lighting 65200000 65200000
2 Printing and stationery 2600000 2600000
3 Advertisement and publicity 20600000 20600000
4 Depreciation on banks property 170000000 170000000
5 Director’s fees Allowances and expenses 4800000 4800000
6 Auditors' fees and expenses 1700000 1700000
7 Law Charges 18900000 18900000
8 Postage, Telegrams, Telephones, etc. 108000000 108000000
9 Repairs and maintenance 37500000 37500000
10 Other Expenditure 2992300000 2992300000
Total other operating Expenses 3421600000 3421600000
Total Operating Expenses 4004700000 4004700000
6 Total expenditure excluding provisions and contingencies 4288400000 4288400000
7 Operating profit before provision and contingencies 246300000 246300000
8 Provisions other than tax and contingencies 0 0
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 246300000 246300000
11 Provision for Tax 68700000 68700000
12 Net profit (loss) from ordinary activities after tax 177600000 177600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 177600000 177600000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 177600000 177600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 832200000 832200000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 66.97 66.97
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 2.13 2.13
Diluted earnings per share before extraordinary items 2.13 2.13
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 2.13 2.13
Diluted earnings per share after extraordinary items 2.13 2.13
(iv) NPA Ratios
Amount of gross non-performing assets 0 0
Amount of net non-performing assets 0 0
% of gross NPAs 0 0
% of net NPAs 0 0
Return on assets 0 0
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) 3 months ended (For quarter ended June 30, 2025): 0.41%


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Corporate/ Wholesale Banking 0 0
2 Retail Banking 1196600000 1196600000
3 Treasury 604300000 604300000
4 Other Banking Operations 2728200000 2728200000
5 Unallocated 5600000 5600000
Total Segment Revenue 4534700000 4534700000
Less: Inter segment revenue
Income from operations 4534700000 4534700000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Corporate/ Wholesale Banking 0 0
2 Retail Banking 481500000 481500000
3 Treasury 436600000 436600000
4 Other Banking Operations 229800000 229800000
5 Unallocated 0 0
Total Profit before tax 1147900000 1147900000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 901600000
Profit before tax 246300000 246300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Corporate/ Wholesale Banking 0 0
2 Retail Banking 1012300000 1012300000
3 Treasury 35122000000 35122000000
4 Other Banking Operations 2720500000 2720500000
5 Unallocated 4757700000 4757700000
6 Corporate/ Wholesale Banking 0 0
7 Retail Banking 1012300000 1012300000
8 Treasury 35122000000 35122000000
9 Other Banking Operations 2720500000 2720500000
10 Unallocated 4757700000 4757700000
Total Segment Assets 43612500000 43612500000
Un-allocable Assets 0 0
Net Segment Assets 43612500000 43612500000
4 Segment Liabilities
Segment Liabilities
1 Corporate/ Wholesale Banking 0 0
2 Retail Banking 19365300000 19365300000
3 Treasury 7800400000 7800400000
4 Other Banking Operations 7990700000 7990700000
5 Unallocated 738900000 738900000
6 Corporate/ Wholesale Banking 0 0
7 Retail Banking 19365300000 19365300000
8 Treasury 7800400000 7800400000
9 Other Banking Operations 7990700000 7990700000
10 Unallocated 738900000 738900000
Total Segment Liabilities 35895300000 35895300000
Un-allocable Liabilities 7717200000 7717200000
Net Segment Liabilities 43612500000 43612500000
Disclosure of notes on segments






Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Mode of Fund Raising Public Issues
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 09-Nov-2021
Amount Raised 3000000000
Report filed for Quarter ended 30-Jun-2025
Monitoring Agency Not Applicable
Monitoring Agency Name, if applicable
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation There is no deviation/variation in the utilization of funds
Comments of the Audit Committee after review false
Comments of the auditors, if any false
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any
1 Augmentation of Bank’s Tier-1 capital base to meet its future capital requirements Not Applicable 3000000000 0 2315123000 0 The proceeds have been utilised till 30th June 2025, for augmentation of Banks technology as per the objects of the offer.


Signatory Details
Name of signatory Rishi Gupta
Designation of person Managing Director
Place Navi Mumbai
Date 30-Jul-2025