Fino Paytech Unlisted Shares
Fino PayTech is a Mumbai-based fintech holding company that builds business and banking technology for financial inclusion. It owns 75% of Fino Payments Bank Limited, which drives most of its consolidated income.
Read the full company profile
Key facts
Fino Paytech share details
- Lot size
- 500 shares
- Min. investment
- ₹39,000
- Face value
- ₹10
- Implied market cap
- ₹996 Cr
- Shares outstanding
- 127,692,105
- Founded
- 2006
- Headquarters
- Mumbai, Maharashtra
- Website
- finopaytech.com
- ISIN
- INE511I01011
- CIN
- U72900MH2006PLC162656
- Lock-in after IPO
- 6 months
Price history
Fino Paytech share price chart
1Y change
-32.17%
High
₹130
Low
₹78.00
Indicative off-market dealer quotes, not exchange prices. A flat stretch means the quote did not change on those days.
About
About Fino Paytech
Fino PayTech Limited is a Mumbai-based fintech company. Its annual report says it delivers technology-driven solutions and services aimed at financial inclusion. It runs a business and banking technology platform with service delivery channels, and its clients include banks, microfinance institutions, government and non-government organisations, insurance companies and corporates. It is also registered as an Authentication Service Agency with UIDAI, which lets it provide authentication services to banks and government bodies.
Most of the group's size comes from its subsidiary Fino Payments Bank Limited, in which it holds 75%. The other subsidiaries are Fino Financial Services Private Limited, FFPL Finserv Private Limited and Fino Trusteeship Services Limited, all wholly owned. In FY26 the bank reported turnover of 158,792.31 lakh and a profit after tax of 5,245.51 lakh, as per the annual report.
On a consolidated basis, revenue from operations for FY26 was 133,723.72 lakh against 165,382.83 lakh in FY25. Profit for the year fell to 4,873.79 lakh from 9,748.56 lakh. Consolidated total equity stood at 88,630.13 lakh on 31 March 2026. The company alone is small: its standalone revenue from operations was 927.46 lakh. All figures here are consolidated unless stated, in lakh as printed in the FY26 annual report.
On ownership, the annual report states that Bharat Petroleum Corporation Limited holds 21.88% on a non-diluted basis, which makes Fino PayTech an associate company of BPCL. The report also says there is no promoter holding in the company. The board is chaired by Sivakumar Krishnamurthy, an independent director, and Amit Kumar Jain is the whole-time director.
Fino PayTech is an unlisted company with no IPO filed that we have on record. Its shares are dealt off-market through unlisted-share dealers, so the price shown on this page is indicative and not an exchange price. Liquidity can be thin and prices can move between deals.
Strengths
- Fino PayTech holds 75% of Fino Payments Bank Limited, which reported turnover of 158,792.31 lakh and profit after tax of 5,245.51 lakh in FY26.
- The group stayed profitable in FY26 with a consolidated profit of 4,873.79 lakh, after 9,748.56 lakh in FY25.
- Consolidated total equity rose to 88,630.13 lakh on 31 March 2026 from 83,230.91 lakh a year earlier.
- Net cash from operating activities was 39,658.10 lakh in FY26, so the business generated cash in the year.
- It serves banks, microfinance institutions, insurers, government bodies and corporates, and is a registered UIDAI Authentication Service Agency.
- BPCL holds 21.88% on a non-diluted basis, and the board has three independent directors including the chairperson.
Risks
- Consolidated revenue from operations fell from 165,382.83 lakh in FY25 to 133,723.72 lakh in FY26.
- Consolidated profit for the year dropped from 9,748.56 lakh to 4,873.79 lakh, and the board recommended no dividend citing minimal profits.
- Standalone profit after tax was only 43.88 lakh in FY26 against 305.37 lakh in FY25, so the holding company earns little by itself.
- Consolidated borrowings rose to 153,529.71 lakh from 83,945.72 lakh, which raises finance cost, already 7,605.78 lakh in FY26.
- Other income of 27,064.94 lakh made up a large part of the consolidated total income of 160,788.67 lakh.
- Fino Payments Bank has non-controlling holders of 25%, so part of the group profit does not belong to Fino PayTech shareholders; 1,297.74 lakh went to them in FY26.
- FFPL Finserv Private Limited made a net loss of 415.83 lakh in FY26.
- There is no listing timeline on record, and unlisted shares trade off-market with indicative prices and limited liquidity.
Financials
Fino Paytech financial performance
Revenue, profit and balance-sheet figures by fiscal year.
Revenue & PAT (₹ Cr)
Revenue
PAT
| Metric | FY26Latest | FY25 |
|---|---|---|
| Revenue (₹ Cr) | 1,337 | 1,654 |
| PAT (₹ Cr) | 48.74 | 97.49 |
| PAT Margin (%) | 3.64 | 5.89 |
| RoNW (%) | 5.50 | 11.71 |
| EPS (₹) | 3.41 | 5.80 |
| Debt / Equity | 1.73 | 1.01 |
| Total Assets (₹ Cr) | 5,457 | 4,359 |
| Net Worth (₹ Cr) | 886 | 832 |
Swipe the table sideways for earlier years →
Leadership
Management team
Sivakumar Krishnamurthy
Chairperson and Independent Director
Independent director appointed with effect from November 20, 2025.
Amit Kumar Jain
Whole-time Director
Whole-time Director and Key Managerial Personnel, re-appointed for three years from November 25, 2025.
Rajeev Deoras
Independent Director
Re-appointed as Independent Director for three years from November 25, 2025.
Apurva Pradeep Joshi
Independent Director
Re-appointed as Independent Director for three years from November 25, 2025.
Prateek Roongta
Nominee Director
Nominee Director on the board.
Kamal Kant
Nominee Director
Nominee Director representing BPCL from July 14, 2026.
Suresh Balasubramanian
Chief Financial Officer
Signed the FY26 financial statements as CFO.
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Fino Paytech unlisted shares: common questions
Important disclaimer
Unlisted shares are not traded on stock exchanges. Prices shown are indicative and based on off-market transactions; they may differ from eventual listing or future market prices. Exit liquidity depends on counter-party availability. SEBI mandates a 6-month lock-in on pre-IPO shares post-listing. Gains held beyond 24 months are taxed at 12.5% LTCG (no indexation). IPO Guru is not a SEBI Registered Investment Advisor. Information here is for general awareness, not personalised investment advice. Please consult your tax advisor before investing.
