Synopsis: The shares of this banking company jumped 7.23 percent after strong Q4FY26 results, supported by 96 percent loan growth, record deposits, and focused initiatives on liabilities, digital payments, and scalable growth.
The shares of this company, which is a profitable, technology-driven digital bank in India designed to enhance financial inclusion in rural and semi-urban areas, gained investors’ traction after the company announced strong Q4.
With a market capitalization of Rs 1,056 crore, Fino Payments Bank Ltd’s shares on Tuesday made a day high of Rs 132.70 per share, up by 7.23 percent from its previous day’s close price of Rs 123.75 per share. The share of the company has given a negative return of 40 per cent over the last year.
Q4FY26 Business Updates
Liabilities and Customer Growth: The company achieved record liabilities in Q4FY26, with deposits reaching over Rs 2,950 crore. Around 7 lakh new bank accounts were added, taking the total customer base to approximately 1.75 crore, alongside the highest-ever quarterly renewal income of Rs 62.2 crore.
Loan and Transaction Business Performance: Loan referrals surged 96 percent over Q3FY26, with disbursements reaching around Rs 600 crore through partner institutions, demonstrating strong credit potential. Transaction business saw a 30 percent decline earlier but recovered in March 2026, signaling gradual improvement in overall ecosystem activity.
Digital Payment Services: Digital payment volumes moderated about 25 percent versus Q3FY26, reflecting a risk-calibrated approach and recent market developments. The company remains focused on building a high-quality, active merchant base, with stabilisation initiatives underway and recovery expected in the coming quarters.
The Bank remains focused on strengthening core liabilities, enhancing business quality, and developing scalable growth drivers. It continues progressing on its SFB journey, emphasising a liability-first approach and a prudent, secured lending franchise with differentiated distribution.
About the Company
Financial Inclusion Network Operations (“FINO”) is a growing fintech company offering a diverse range of financial products and services that are primarily digital and have a payments focus. It offers such products and services to the target market via a Pan-India distribution network.
Financial Highlights: The revenue from operations grew by 28.57 percent to Rs 63 crore in Q3 FY26, corresponding to the same quarter in the last financial year. Accompanied by a net profit declined by 47.8 percent to Rs 12 crore in Q3 FY26 from Rs 23 crore in Q3 FY25, resulting in an EPS decline of 47 percent YoY to Rs 1.47 per share in Q3 FY26.
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