| 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 | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 29-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 20-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third 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 | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 29-01-2026 14:35:00 |
| End date and time of board meeting | 29-01-2026 18:50:00 |
| 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 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 December 31, 2025. Therefore, the said disclosure is not applicable. | |
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| 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 | 0.00 | 1.00 | |
| Income on investments | 4,617.00 | 13,485.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 1,679.00 | 4,865.00 | |
| Others | 0.00 | 56.00 | |
| Total interest earned | 6,296.00 | 18,407.00 | |
| 2 | Other income | 33,145.00 | 1,06,387.00 |
| 3 | Total income | 39,441.00 | 1,24,794.00 |
| Expenses | |||
| 4 | Interest expenses | 2,941.00 | 8,540.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 5,416.00 | 16,897.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 695.00 | 1,998.00 |
| 2 | Printing and stationery | 92.00 | 151.00 |
| 3 | Advertisement and publicity | 310.00 | 726.00 |
| 4 | Depreciation on banks property | 1,779.00 | 5,301.00 |
| 5 | Director’s fees Allowances and expenses | 46.00 | 136.00 |
| 6 | Auditors' fees and expenses | 17.00 | 50.00 |
| 7 | Law Charges | 154.00 | 495.00 |
| 8 | Postage, Telegrams, Telephones, etc. | 1,427.00 | 3,894.00 |
| 9 | Repairs and maintenance | 288.00 | 1,033.00 |
| 10 | Other Expenditure | 24,221.00 | 78,933.00 |
| Total other operating Expenses | 29,029.00 | 92,717.00 | |
| Total Operating Expenses | 34,445.00 | 1,09,614.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 37,386.00 | 1,18,154.00 |
| 7 | Operating profit before provision and contingencies | 2,055.00 | 6,640.00 |
| 8 | Provisions other than tax and contingencies | 0.00 | 0.00 |
| 9 | Exceptional items | (310.00) | (310.00) |
| 10 | Total profit (loss) from ordinary activities before tax | 1,745.00 | 6,330.00 |
| 11 | Provision for Tax | 520.00 | 1,795.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 1,225.00 | 4,535.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 1,225.00 | 4,535.00 |
| 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 | 1,225.00 | 4,535.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 8,322.00 | 8,322.00 | |
| 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 | 66.500 | 66.500 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 1.47 | 5.45 | |
| Diluted earnings per share before extraordinary items | 1.47 | 5.44 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 1.47 | 5.45 | |
| Diluted earnings per share after extraordinary items | 1.47 | 5.44 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 0.00 | 0.00 | |
| Amount of net non-performing assets | 0.00 | 0.00 | |
| % of gross NPAs | 0 | 0 | |
| % of net NPAs | 0 | 0 | |
| Return on assets | 0 | 0.0100 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Return On Assets: 3 months ended (for the quater ended December 31, 2025): 0.27% Nine Months ended (for the period ended December 31, 2025): 1.00% |
|---|
| 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 | 01-10-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 31-12-2025 | 31-12-2025 | |||||
| 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 | 0.00 | 0.00 | ||||
| 2 | Retail Banking | 12,821.00 | 37,489.00 | ||||
| 3 | Treasury | 6,325.00 | 18,399.00 | ||||
| 4 | Other Banking Operations | 20,294.00 | 68,848.00 | ||||
| 5 | Unallocated | 1.00 | 58.00 | ||||
| Total Segment Revenue | 39,441.00 | 1,24,794.00 | |||||
| Less: Inter segment revenue | |||||||
| Income from operations | 39,441.00 | 1,24,794.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Corporate/ Wholesale Banking | 0.00 | 0.00 | ||||
| 2 | Retail Banking | 6,293.00 | 17,348.00 | ||||
| 3 | Treasury | 4,425.00 | 13,125.00 | ||||
| 4 | Other Banking Operations | 406.00 | 3,656.00 | ||||
| 5 | Unallocated | 0.00 | 0.00 | ||||
| Total Profit before tax | 11,124.00 | 34,129.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 9,379.00 | 27,799.00 | |||||
| Profit before tax | 1,745.00 | 6,330.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Corporate/ Wholesale Banking | 0.00 | 0.00 | ||||
| 2 | Retail Banking | 8,762.00 | 8,762.00 | ||||
| 3 | Treasury | 3,86,998.00 | 3,86,998.00 | ||||
| 4 | Other Banking Operations | 38,724.00 | 38,724.00 | ||||
| 5 | Unallocated | 49,565.00 | 49,565.00 | ||||
| Total Segment Assets | 4,84,049.00 | 4,84,049.00 | |||||
| Un-allocable Assets | 0.00 | 0.00 | |||||
| Net Segment Assets | 4,84,049.00 | 4,84,049.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Corporate/ Wholesale Banking | 0.00 | 0.00 | ||||
| 2 | Retail Banking | 2,26,033.00 | 2,26,033.00 | ||||
| 3 | Treasury | 1,05,256.00 | 1,05,256.00 | ||||
| 4 | Other Banking Operations | 62,929.00 | 62,929.00 | ||||
| 5 | Unallocated | 9,930.00 | 9,930.00 | ||||
| Total Segment Liabilities | 4,04,148.00 | 4,04,148.00 | |||||
| Un-allocable Liabilities | 79,901.00 | 79,901.00 | |||||
| Net Segment Liabilities | 4,84,049.00 | 4,84,049.00 | |||||
| Disclosure of notes on segments | |||||||
| Mode of Fund Raising | Public Issues |
|---|---|
| Description of mode of fund raising (Applicable in case of others is selected) | |
| Date of Raising Funds | 09-11-2021 |
| Amount Raised | 30,000.00 |
| Report filed for Quarter ended | 31-12-2025 |
| 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 | 30,000.00 | 0.00 | 28,335.75 | 0.00 | The entire proceeds have been utilised till 31st December 2025, for augmentation of Banks technology as per the objects of the offer. |
| Name of signatory | Basavraj Loni |
|---|---|
| Designation of person | Company Secretary and Compliance Officer |
| Place | Navi Mumbai |
| Date | 29-01-2026 |