Market Cap:	₹1,250 Cr	Book Value:	₹52
Lot Size:	100	52 Week High:	₹112
52 Week Low:	₹70	EPS:	0.63
Demat Account:	Required	PB:	4.6
Face Value:	₹10	Debt To Equity:	1.10
No Of Shares:	12.27 Cr	Web Site Url:	https://www.finopaytech.com/

Company Overview

Fino Paytech Limited is an Indian fintech and technology leader, offering innovative business platforms and banking technology for banks, governments, and insurance companies. It specializes in end-to-end customer acquisition, digital financial services, and large-scale payment systems. Fino Paytech is the holding company of Fino Payments Bank and several other subsidiaries operating in financial inclusion, micro-banking, agency banking, and last-mile delivery. Fino has empowered over 50 million customers, making it a recognized force in India’s fast-evolving digital financial space.armssecurities

Board of Directors (2025)

Name	Designation
Rishi Gupta	Managing Director & CEO
Dr. Ashok Jainani	Independent Director
Rakesh Sethi	Independent Director
Upendra Kamath	Independent Director
Chiraag H. Tanna	Nominee Director
Dr. Montek S. Ahluwalia	Nominee Director
Shyam Sunder Meghrajani	Non-Executive Director
Pradyut Haldar	Non-Executive Director

Director data representative; cross-check latest annual report for full listing.

 

Shareholding Pattern (March 2020)

Name of Shareholder	No. of Shares	% of Holding
Bharat Petroleum Corporation Limited	2,84,35,423	28.89
ICICI Prudential Life Insurance	1,13,28,854	11.51
Blackstone GPV Capital Partners (Mauritius)	75,12,207	7.63
HAV 3 Holdings (Mauritius) Limited	74,56,993	7.58
International Finance Corporation	65,69,567	6.68
ICICI Bank Limited	57,50,000	5.84
ICICI Lombard General Insurance	52,89,194	5.37
Intel Capital Corporation	44,33,449	4.50
Exide Life Insurance Company	28,32,213	2.83
LIC, Indian Bank, Union Bank, Corp Bank	22,50,000 ea.	2.29 ea.
Public/Other Shareholders	Remainder	<14

Over 70% held by top financial and institutional investors; public holding limited.armssecurities

 

Sector

• Industry: Fintech & Financial Services
• Segment: Digital Payments, Banking Technology

Why Arms Securities?

Choose Arms Securities for transparent guidance, secure settlement, and end-to-end support as India's leading unlisted shares dealer in fintech/finance.

 

Balance Sheet of Fino Paytech Unlisted Shares

in ₹ Cr.

category	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Equity	443.08	449.28	1183.58	574.66	587.16	576.01	629.81	668.56
Share Capital	104.78	104.62	109.40	99.63	98.91	98.79	98.41	96.20
Reserves and Surplus	315.51	344.66	1074.18	475.03	488.25	477.23	531.40	572.36
Other Equity	22.79	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Liabilities	42.98	21.92	45.39	95.08	103.26	100.69	73.44	90.66
Non-Current Liabilities	8.34	9.13	10.78	12.54	12.21	0.72	0.91	7.13
Long Term Borrowings	0.00	7.76	9.39	10.76	10.86	0.00	0.00	0.00
Other Long Term Liabilities	5.70	0.02	0.06	0.20	0.28	0.06	0.09	0.35
Long Term Provisions	2.63	1.35	1.33	1.58	1.07	0.65	0.82	6.77
Current Liabilities	34.64	12.79	34.61	82.54	91.05	99.97	72.53	83.53
Short Term Borrowings	0.20	0.37	0.71	0.71	4.73	22.99	44.10	45.74
Trade Payables	4.51	6.59	23.45	10.29	13.89	8.22	8.80	16.91
Other Current Liabilities	27.45	2.25	4.56	10.29	64.78	63.92	11.66	19.52
Short Term Provisions	2.48	3.58	5.89	9.97	7.65	4.84	7.97	1.36
Total Equity and Liabilities	486.06	471.20	1228.97	669.74	690.42	676.70	703.25	759.22
Net Fixed Assets	12.44	13.53	13.84	15.78	16.86	6.18	12.96	20.16
Tangible Assets	12.40	13.48	13.79	15.66	16.64	5.84	10.08	17.12
Intangible Assets	0.04	0.05	0.05	0.11	0.22	0.33	2.88	3.04
Capital Work-in-progress	0.00	0.00	0.00	0.00	0.00	0.11	0.06	0.53
Other Non current Assets	417.63	391.06	453.17	621.19	626.94	622.06	633.61	385.37
Non Current Investments	372.15	371.82	421.02	590.94	591.74	589.18	583.37	347.96
Net Deferred Tax Assets	6.21	5.86	17.68	17.68	17.68	17.68	31.39	20.47
Long Term Loans and Advances	37.44	4.51	7.39	3.06	5.13	0.42	0.29	1.92
Other Non Current Assets	1.84	8.87	7.08	9.52	12.39	14.78	18.56	15.03
Current Assets	55.99	66.59	761.96	32.77	46.62	48.35	56.61	353.14
Inventories	0.28	0.48	0.00	10.64	11.91	19.43	17.90	38.57
Trade Receivables	2.96	5.71	26.38	7.53	20.75	13.07	23.81	214.03
Cash and Bank Balances	38.93	48.95	730.34	13.18	10.80	11.60	8.00	37.91
Short Term Loans and Advances	1.52	0.10	0.16	0.10	0.67	1.18	0.77	59.64
Other Current Assets	12.29	11.35	5.08	1.32	2.48	3.08	6.13	2.99
Total Assets	486.06	471.18	1228.97	669.74	690.42	676.70	703.25	759.22

Profit and Loss of Fino Paytech Unlisted Shares

in ₹ Cr.

category	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17
Net Revenue	12.33	13.09	18.65	19.27	62.26	51.45	41.26	177.32
Total Operating Cost	24.80	101.66	232.57	33.76	50.88	41.24	89.37	172.22
Cost of Materials Consumed	0.00	0.00	0.00	0.00	0.00	34.76	0.00	0.00
Purchases of Stock-in-trade	5.96	9.02	11.45	8.70	27.75	0.00	27.04	0.00
Changes in Inventories / Finished Goods	0.20	31.58	0.08	1.27	5.74	-4.87	2.93	6.20
Employee Benefit Expense	2.76	2.95	4.52	6.88	9.18	6.80	8.48	81.71
Other Expenses	15.88	58.11	216.52	16.92	8.21	4.54	50.91	84.32
Operating Profit (EBITDA)	-12.47	-88.57	-213.92	-14.49	11.39	10.21	-48.11	5.10
Other Income	7.83	46.64	822.97	3.07	1.88	1.58	2.10	7.14
Depreciation and Amortization Expense	2.60	2.03	1.95	2.28	2.83	2.89	5.73	9.30
Profit Before Interest and Taxes	-7.25	-43.96	607.10	-13.70	10.44	8.90	-51.74	2.93
Finance Costs	1.14	1.33	1.56	1.78	2.04	5.05	4.37	9.92
Profit Before Tax and Exceptional Items Before Tax	-8.39	-42.63	605.54	-15.49	8.39	3.85	-56.11	-6.99
Profit Before Tax	-8.39	-42.63	605.54	-15.49	8.39	3.85	-56.11	-6.99
Income Tax	1.15	11.81	81.91	0.55	0.33	13.08	-9.22	0.67
Profit for the Period from Continuing Operations	7.24	-54.44	523.63	-16.04	8.06	-9.23	-46.89	-7.66
Profit for the Period	-7.24	-54.44	523.63	-16.04	8.06	-9.23	-46.89	-7.66