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<xbrli:context id="ChangeInManagement001D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">FINOPB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-06</xbrli:startDate><xbrli:endDate>2026-04-06</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain1</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="ChangeInManagement001I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">FINOPB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-04-06</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain1</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
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<in-capmkt:NameOfTheCompany contextRef="OneI">Fino Payments Bank Limited</in-capmkt:NameOfTheCompany>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement001D">Appointment</in-capmkt:ReasonOfChange>
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<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement001D">Abhilash Ankathil</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
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<in-capmkt:BriefProfile contextRef="ChangeInManagement001D">Mr. Abhilash Ankathil is a senior legal professional with extensive legal expertise in banking, financial regulation, legislative drafting, enforcement, and advisory, primarily within the Reserve Bank of India (RBI). He has over 25 years of experience in banking &amp; non-banking ecosystems, payment system regulation, including legislative drafting &amp; enforcement actions. He has led legal teams at RBI, advised operational units, and contributed significantly to shaping regulatory frameworks through drafting, interpretation, and enforcement of laws. His expertise includes legal advice, team supervision, training &amp; collaboration within a highly matrixed organization.   Prior to this appointment, he was as a self-employed lawyer since April 2025. Prior to that he served as Deputy Legal Adviser at RBI from 2000 to 2025. In his early career, he practiced litigation independently in Calicut, Kerala.   While at RBI, he contributed significantly to legal advisory functions, including policy formulation for licensing, supervision, and enforcement at financial institutions.   He played a pivotal role in drafting major legislation with various government units. He has also led the design and implementation of RBI’s enforcement framework, advised on the interpretation of statutes, and supervised litigation, including Supreme Court cases. During his stint, he has also engaged with various international institutions, such as the World Bank and IMF, for assessments of India’s financial legal framework and its compliance with global standards.</in-capmkt:BriefProfile>
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