Fino PayTech Unlisted Share Price Today
ISIN INE511I01011.
Founded in 2006, Fino Paytech Ltd is a developer of banking technology software and hardware solutions to help its clients in enrolling customers, data storage and verification in unbanked areas which have limited connectivity and access. Using Fino Paytech’s products, commercial banks and insurance companies can rapidly scale up their business to millions of unbanked customers located in remote and rural areas, using handheld devices. About Company Fino PayTech is a technology-driven financi…
Fino PayTech
Fino PayTech Unlisted Share Price Today
About Company
Fino PayTech is a technology-driven financial services company in India, specializing in financial inclusion, digital banking infrastructure, and transaction-based payment solutions. Through its subsidiary Fino Payments Bank Limited, the company provides merchant-led banking services including deposits, remittances, digital payments, Aadhaar-enabled services, micro-ATM transactions, and government benefit distribution. It primarily serves underbanked and rural segments while partnering with banks, NBFCs, insurance companies, and government institutions.
Fino operates a technology-focused, scalable and transaction-led business model, emphasizing digital infrastructure, distribution reach, and operational efficiency. The company leverages a wide merchant network as customer touchpoints, enabling asset-light expansion while operating within a liability-driven banking structure. Its revenue mix is largely transaction-based, supported by payment services, banking commissions, and financial service distribution. Over the past few years, the company has demonstrated a profitability turnaround, improving margins and return ratios while maintaining disciplined cost control.
Headquartered in Mumbai, Maharashtra, India, Fino operates across India with a strong presence in semi-urban and rural markets.
EBITDA margin nearly doubled from 6.72% (FY21) to 15.28% (FY25).
Revenue from operations grew from ₹834.51 Cr to ₹1,653.82 Cr, with steady acceleration to 23.48% in FY25.
PAT improved from a ₹50.4 Cr loss (FY21) to ₹97.48 Cr profit (FY25), with EPS rising to ₹5.74.
