| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 13-08-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 27-07-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| 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 | 13-08-2026 14:00:00 |
| End date and time of board meeting | 13-08-2026 17:00:00 |
| 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? | No |
| No. of times funds raised during the quarter | |
| 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, 2026. 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 | 01-04-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-06-2026 | 30-06-2026 |
| 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 | 0.00 | |
| Income on investments | 5,443.00 | 5,443.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 1,780.00 | 1,780.00 | |
| Others | 0.00 | 0.00 | |
| Total interest earned | 7,223.00 | 7,223.00 | |
| 2 | Other income | 23,464.00 | 23,464.00 |
| 3 | Total income | 30,687.00 | 30,687.00 |
| Expenses | |||
| 4 | Interest expenses | 3,533.00 | 3,533.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 5,784.00 | 5,784.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 739.00 | 739.00 |
| 2 | Printing and stationery | 39.00 | 39.00 |
| 3 | Advertisement and publicity | 382.00 | 382.00 |
| 4 | Depreciation on banks property | 2,259.00 | 2,259.00 |
| 5 | Director’s fees Allowances and expenses | 88.00 | 88.00 |
| 6 | Auditors' fees and expenses | 17.00 | 17.00 |
| 7 | Law Charges | 87.00 | 87.00 |
| 8 | Postage, Telegrams, Telephones, etc. | 1,796.00 | 1,796.00 |
| 9 | Repairs and maintenance | 468.00 | 468.00 |
| 10 | Other Expenditure | 16,867.00 | 16,867.00 |
| Total other operating Expenses | 22,742.00 | 22,742.00 | |
| Total Operating Expenses | 28,526.00 | 28,526.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 32,059.00 | 32,059.00 |
| 7 | Operating profit before provision and contingencies | (1,372.00) | (1,372.00) |
| 8 | Provisions other than tax and contingencies | 0.00 | 0.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | (1,372.00) | (1,372.00) |
| 11 | Provision for Tax | 0.00 | 0.00 |
| 12 | Net profit (loss) from ordinary activities after tax | (1,372.00) | (1,372.00) |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | (1,372.00) | (1,372.00) |
| 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 | (1,372.00) | (1,372.00) |
| 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 | 73.4600 | 73.4600 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | -1.65 | -1.65 | |
| Diluted earnings per share before extraordinary items | -1.65 | -1.65 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | -1.65 | -1.65 | |
| Diluted earnings per share after extraordinary items | -1.65 | -1.65 | |
| (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 | -0.2500 | -0.2500 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Return on Asset: 3 months ended (For quarter ended June 30, 2026): -0.25% |
|---|
| 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 | 01-04-2026 | 01-04-2026 | |||||
| Date of end of reporting period | 30-06-2026 | 30-06-2026 | |||||
| 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 | 12,994.00 | 12,994.00 | ||||
| 3 | Treasury | 7,287.00 | 7,287.00 | ||||
| 4 | Other Banking Operations | 10,404.00 | 10,404.00 | ||||
| 5 | Unallocated | 2.00 | 2.00 | ||||
| Total Segment Revenue | 30,687.00 | 30,687.00 | |||||
| Less: Inter segment revenue | |||||||
| Income from operations | 30,687.00 | 30,687.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Corporate/ Wholesale Banking | 0.00 | 0.00 | ||||
| 2 | Retail Banking | 7,166.00 | 7,166.00 | ||||
| 3 | Treasury | 4,740.00 | 4,740.00 | ||||
| 4 | Other Banking Operations | (2,482.00) | (2,482.00) | ||||
| 5 | Unallocated | 0.00 | 0.00 | ||||
| Total Profit before tax | 9,424.00 | 9,424.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 10,796.00 | 10,796.00 | |||||
| Profit before tax | (1,372.00) | (1,372.00) | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Corporate/ Wholesale Banking | 0.00 | 0.00 | ||||
| 2 | Retail Banking | 8,248.00 | 8,248.00 | ||||
| 3 | Treasury | 4,81,844.00 | 4,81,844.00 | ||||
| 4 | Other Banking Operations | 33,278.00 | 33,278.00 | ||||
| 5 | Unallocated | 46,292.00 | 46,292.00 | ||||
| Total Segment Assets | 5,69,662.00 | 5,69,662.00 | |||||
| Un-allocable Assets | 0.00 | 0.00 | |||||
| Net Segment Assets | 5,69,662.00 | 5,69,662.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Corporate/ Wholesale Banking | 0.00 | 0.00 | ||||
| 2 | Retail Banking | 2,30,945.00 | 2,30,945.00 | ||||
| 3 | Treasury | 1,80,020.00 | 1,80,020.00 | ||||
| 4 | Other Banking Operations | 68,511.00 | 68,511.00 | ||||
| 5 | Unallocated | 10,707.00 | 10,707.00 | ||||
| Total Segment Liabilities | 4,90,183.00 | 4,90,183.00 | |||||
| Un-allocable Liabilities | 79,479.00 | 79,479.00 | |||||
| Net Segment Liabilities | 5,69,662.00 | 5,69,662.00 | |||||
| Disclosure of notes on segments | |||||||