Fino Payments Bank Share Price

Newspaper Publication of Unaudited Financial Results for the quarter ended June 30, 2026

• BSE India
• 2 days 4 hours ago

<h3><span style="font-size:16px;"><strong>Microfinance Institutions company Fino Payments Bank announced Q1FY27 results</strong></span></h3> <p><strong _ngcontent-ng-c3466788764="">Financial Highlights:</strong></p> <ul> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Total Income:</strong> The Bank reported a total income of Rs 30,687 lakh in Q1FY27, a decrease of 9.74% QoQ from Rs 33,998 lakh in Q4FY26 and a decline of 32.33% YoY from Rs 45,347 lakh in Q1FY26.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Interest Earned:</strong> Interest income for Q1FY27 stood at Rs 7,223 lakh, representing a growth of 12.68% QoQ from Rs 6,410 lakh in Q4FY26 and an 18.43% YoY increase from Rs 6,099 lakh in Q1FY26.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Other Income:</strong> Other income reached Rs 23,464 lakh in Q1FY27, down 14.95% from Rs 27,588 lakh in Q4FY26 and down 40.22% from Rs 39,248 lakh in Q1FY26.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Net Profit/Loss:</strong> The Bank recorded a Net Loss of Rs 1,372 lakh in Q1FY27. This is a significant decline compared to a Net Profit of Rs 710 lakh in Q4FY26 and a Net Profit of Rs 1,776 lakh in Q1FY26.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Operating Profit/Loss:</strong> Operating profit before provisions and contingencies turned into a loss of Rs 1,372 lakh in Q1FY27, as against a profit of Rs 539 lakh in Q4FY26 and Rs 2,463 lakh in Q1FY26.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Full Year Performance:</strong> For the full year FY26, the Bank had reported a total income of Rs 1,58,793 lakh and a Net Profit of Rs 5,246 lakh.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Earnings Per Share (EPS):</strong> Basic and Diluted EPS for Q1FY27 was Rs (1.65), compared to Rs 0.85 in Q4FY26 and Rs 2.13 in Q1FY26.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Capital Adequacy Ratio:</strong> The Bank’s Capital Adequacy Ratio (CRAR) stood at 82.58% in Q1FY27, compared to 83.95% in Q4FY26 and 73.35% in Q1FY26.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Net Worth:</strong> The Bank's net worth was reported at Rs 58,006 lakh as of June 30, 2026.</li> </ul> <p><strong _ngcontent-ng-c3466788764="">Business Highlights</strong></p> <ul> <li _ngcontent-ng-c3466788764="">Total throughput decreased by 10% YoY but increased 3% QoQ in Q1 FY’27 to Rs 1.11 lakh crore</li> <li _ngcontent-ng-c3466788764="">UPI throughput grew by 14% YoY and 2% QoQ in Q1 FY’27 to Rs 60.1k crore as digital engagement deepened across customers.</li> <li _ngcontent-ng-c3466788764="">The Bank improved its CASA customer base to 1.83 crore, an increase of 22% YoY, as 8.4 lakh new CASA accounts were opened in Q1’27.</li> <li _ngcontent-ng-c3466788764="">The Bank expanded its liability franchise as average total deposits increased by 12% YoY to Rs 2,772 crore.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Retail Banking Segment:</strong> Revenue from Retail Banking was Rs 12,994 lakh in Q1FY27, growing by 9.55% QoQ (from Rs 11,861 lakh) and 8.59% YoY (from Rs 11,966 lakh). The segment profit before tax stood at Rs 7,166 lakh for the quarter.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Treasury Segment:</strong> Treasury revenue reached Rs 7,287 lakh in Q1FY27, an increase of 13.50% QoQ from Rs 6,420 lakh and 20.59% YoY from Rs 6,043 lakh. The segment profit for the quarter was Rs 4,740 lakh.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Other Banking Operations:</strong> Revenue from this segment decreased significantly to Rs 10,404 lakh in Q1FY27 from Rs 15,714 lakh in Q4FY26 and Rs 27,282 lakh in Q1FY26. This segment recorded a loss of Rs 2,482 lakh in Q1FY27.</li> <li _ngcontent-ng-c3466788764=""><strong _ngcontent-ng-c3466788764="">Leadership Changes:</strong> Mr. Rishi Gupta ceased to be the MD & CEO effective May 21, 2026. Mr. Ketan Merchant was appointed as the Interim CEO for a period not exceeding 3 months effective May 27, 2026, subject to RBI approval.</li> </ul> <p><strong>Ketan Merchant, Interim Chief Executive Officer, said:</strong> “Q1FY’27 is the beginning of the consolidation phase of Fino, wherein the focus is on retail business, building small finance bank and enhancing low-cost liabilities through aggressive customer acquisition and referral lending business. Retail focus resulted in 22% YoY increase in total current and savings accounts with 8.4 lakh new customer accounts being opened in the quarter. We remain committed to building a differentiated, AI driven technology-led liability first banking franchise leading to value creation for all stakeholders in the long run.”</p> <p><strong>Anup Agarwal, Interim Chief Financial Officer, said</strong>: “In Q1FY’27, the quality and resilience of our franchise continued to improve, as reflected in the 12% YoY growth in average total deposits to Rs 2,772 crore. Though revenue and profitability dipped due to recalibration of B2B UPI P2M services, we posted highest quarterly net revenue margin of 42.8%. Our growing liability franchise and structural funding advantage which provides a strong foundation, contributed 54% to the total revenue. We remain focused on disciplined investments in technology, governance and developing SFB capabilitiesto scale the business while maintaining an asset-light and capital efficient model.”</p> <p><a class="lb" href="/get-document/post/pdf/5789898/" target="_blank">Result PDF</a></p>

• Trendlyne
• 2 days 21 hours ago

Audio Link of Earnings Call Recording

• BSE India
• 2 days 22 hours ago