Fincare Small Finance Bank Unlisted Share Price Today
ISIN INE519Q01017.
Fincare Small Finance Bank is a digital-first small finance bank in India , focused on advancing financial inclusion for unbanked and underbanked segments , particularly in rural and semi-urban areas. The bank offers a diversified portfolio of microfinance loans, MSME financing, housing loans, gold loans, and retail banking products such as savings accounts, deposits, and digital banking solutions, catering to mass retail and small business customers. Fincare operates on a high-yield, granula…
Fincare Small Finance Bank
Fincare Small Finance Bank Unlisted Share Price Today
Fincare Small Finance Bank is a digital-first small finance bank in India, focused on advancing financial inclusion for unbanked and underbanked segments, particularly in rural and semi-urban areas. The bank offers a diversified portfolio of microfinance loans, MSME financing, housing loans, gold loans, and retail banking products such as savings accounts, deposits, and digital banking solutions, catering to mass retail and small business customers.
Fincare operates on a high-yield, granular lending model, with a strong focus on microloans and small-ticket retail credit, supported by a digital-led operating platform that enables efficient customer acquisition and servicing. Its business model emphasizes financial inclusion, high net interest margins (NIMs), and scalable technology-driven operations, allowing it to maintain strong operating efficiency while serving underserved segments.
Headquartered in Bengaluru, the bank has built a wide presence across multiple states through a mix of physical banking outlets and digital channels, including mobile, internet, and assisted banking platforms. Since commencing operations as a Small Finance Bank in 2017, Fincare has evolved from its microfinance roots into a full-service retail-focused bank, with a strategic focus on expanding its loan book while strengthening its deposit franchise.
Over FY22–FY23, the company moved from a loss of ₹29.2 Cr to profit of ₹82.3 Cr, indicating a sharp recovery driven by improved operating performance and lower stress.
EBITDA margin improved from 33.56% to 42.96% and EBIT margin from 31.43% to 40.78%, reflecting strong cost efficiency and better yield on assets.
Revenue grew ~11% YoY, but EBITDA grew ~42% YoY, showing high operating leverage where profits scaled much faster than revenue.
Income Statement
Key Managerial Personnel
As of FY26Mr. G. Dasarathareddy is the Managing Director of Fincare Small Finance Bank, with over two decades of experience in banking, microfinance, and financial inclusion. He has played a key role in transforming Fincare into a digital-first SFB, driving growth in rural lending, customer expansion, and operational efficiency.
Mr. Gautam Gupta is the Chief Financial Officer of Fincare Small Finance Bank, with extensive experience in finance, treasury, and banking operations. He oversees the bank’s financial strategy, capital management, and regulatory compliance, supporting its growth and profitability.
