Fino Paytech Ltd
- Unlisted share
- Financial Services
- ISIN INE511I01011
At a glance
Sales
FY26
₹1,337 Cr
−19.1%on FY25What the company earned from its customers in the year.
Profit
FY26
₹48.74 Cr
−50.0%on FY25What was left after every cost and tax was paid.
Market valuecalculated
₹874 Cr
What the whole company would be worth at GrowFast's indicative price.
Net worth
FY26
₹886 Cr
What the owners would have left on paper if every debt was repaid.
From the company's published figures; sources are beside each figure further down the page.
Key details
- Company
- Fino Paytech Ltd
- ISIN
- INE511I01011
- Sector
- Financial Services
- Type of share
- Unlisted equity share
- Indicative price per share
- ₹83.16
- Price last updated
- 12 Oct 2026
- Minimum quantity
- Confirmed by the desk
- How you hold it
- In your own demat account
- Enquiries
- GrowFast desk, on WhatsApp
Indicative prices, illiquid shares. Prices are indicative and can change without notice. Unlisted shares are illiquid: you may not be able to sell when you want to, or at the price shown.
Company
About Fino Paytech Ltd
Fino PayTech provides technology and services for financial inclusion and is the holding company of Fino Payments Bank Limited, in which it owns 75%; the bank is separately listed. Fino PayTech itself is an unlisted public company with no holding company. Bharat Petroleum Corporation is its largest shareholder, and ICICI group companies also hold sizeable stakes.
Written from: finopaytech.com
Financials
Ask for the full annual report.
The figures on this page are the headline numbers. The desk can share the latest annual report and anything published since.
Ask for the financials- Sector
- Financial Services
- ISIN
- INE511I01011
- Year of incorporation
- 2006
- Registered office
- Navi Mumbai, Maharashtra
- Largest shareholders
- No holding company; Bharat Petroleum Corporation Limited 26.63% of equity shares (the company states BPCL's investment as 21.88% on a non-diluted basis), ICICI Prudential Life Insurance 10.30%, ICICI Bank 9.02%, ICICI Lombard General Insurance 5.69%
- Key people
- Non-executive Chairman & Independent Director: Sivakumar Krishnamurthy; Whole-time Director: Amit Kumar Jain; CFO: Suresh Balasubramanian
- Face value per equity share
- ₹10
- Equity shares outstanding
- 10,51,25,862 shares
- Official website
- finopaytech.com
Read from: Fino PayTech 20th Annual Report 2025-26, unless another source is shown on a card.
Key data
What the numbers mean
The ratios buyers look at, each said in plain words.
Price to earnings (P/E)calculated
24.4×
At this price you pay ₹24.4 for every ₹1 of profit the company made in the year.
Price to book (P/B)calculated
0.99×
At this price you pay ₹0.99 for every ₹1 of net worth on the company's books.
Profit margincalculated
3.6%
Out of every ₹100 of sales, ₹3.6 was left as profit.
Return on equitycalculated
5.5%
For every ₹100 of the owners' money, the company made ₹5.5 of profit in the year.
Debt to equitycalculated
1.73×
The company has borrowed ₹1.73 for every ₹1 of its owners' money.
- Indicative price
- ₹83.16
- Market valuecalculated
- ₹874 Cr
- price × shares
- No. of shares
- 10,51,25,862
- EPS
- ₹3.41
- Book value per share
- ₹84.31
- Face value
- ₹10
Figures marked “calculated” are worked out by GrowFast from its indicative price and the company's published figures for FY2025-26. They move with the price, and they are arithmetic, not a valuation.
Figures in ₹ crore
Financials
Fino PayTech Limited. As published in the company's audited reports. GrowFast has not audited them.
Sales, year by year
₹ crore. The darkest bar is the latest year.
FY23 to FY26: ₹1,149 Cr to ₹1,337 Cr.
Profit, year by year
₹ crore, after tax. A bar below the line is a loss.
FY23 to FY26: ₹50.11 Cr to ₹48.74 Cr.
| Particulars | FY23 | FY24 | FY25 | FY26Latest |
|---|---|---|---|---|
| Revenue from operations | 1,149.43 | 1,339.31 | 1,653.83 | 1,337.24▼19% |
| Other income | 141.87 | 158.08 | 210.6 | 270.65▲29% |
| Total income | 1,291.3 | 1,497.4 | 1,864.43 | 1,607.89▼14% |
| Depreciation and amortization expenses | 50.44 | 63.21 | 73.1 | 87.42▲20% |
| Finance costs (excluding interest on deposits) | 35.93 | 57.94 | 65.04 | 76.06▲17% |
| Profit before tax | 62.3 | 79.56 | 114.6 | 65.78▼43% |
| Profit for the year | 50.11 | 80.83 | 97.49 | 48.74▼50% |
| Basic earnings per share (₹) | 2.61 | 5.69 | 5.8 | 3.41▼41% |
Rupees crore unless marked, consolidated. The change shown is the latest year against the year before. Read from: Fino PayTech 18th Annual Report 2023-24, Fino PayTech 20th Annual Report 2025-26.
Ownership
Shareholding pattern
Who owns the company
26.6%Bharat Petroleum Corporation Limited
- Largest holder
- 26.6%
- Top 3 together
- 46.0%
- Holders named
- 5
- Bharat Petroleum Corporation Limited26.63%
- ICICI Prudential Life Insurance Company Ltd.10.30%
- ICICI Bank Limited9.02%
- ICICI Lombard General Insurance Company Limited5.69%
- Blackstone GPV Capital Partners (Mauritius) VI-B FDI Ltd (equity shares)0.54%
- Total52.18%
Read from: Fino PayTech 20th Annual Report 2025-26
Capital history
Fund raise history
| Date and detail | Type | Instrument | Price per share | Amount raised |
|---|---|---|---|---|
| 2025-263,39,308 equity shares of ₹10 were allotted in FY2025-26 on exercise of options under the 2007 employee stock option scheme. | ESOP allotment | Equity shares | Not stated | Not stated |
Read from: Fino PayTech 20th Annual Report 2025-26
Leadership
Management
Sivakumar Krishnamurthy
Non-executive Chairman & Independent Director
Amit Kumar Jain
Whole Time Director
Suresh Balasubramanian
Chief Financial Officer
Suraj Gujja
Company Secretary
Rajeev Deoras
Independent Director
Dr. Apurva Pradeep Joshi
Independent Director
Manoj Heda
Nominee Director of Bharat Petroleum Corporation Limited
Read from: Fino PayTech 20th Annual Report 2025-26
Corporate calendar
Events
Reports and filings
Annual reports and results
Each link opens the document where its publisher keeps it.
Before you buy
Six things to check on any unlisted share.
The same list applies to every stock. None of it is advice on this one.
The company's latest financials
Revenue, profit and debt for the last three years, from its audited annual report. Ask the desk for the most recent set.
What the price implies
Compare the price per share with earnings and book value per share, and with listed companies in the same business.
Whether a listing is planned
A company may file for an IPO, delay it or never list. A listing, its timing and its price are never certain.
How you would sell
There is no exchange for these shares. You sell by finding a buyer, which can take time and may be at a lower price.
Lock-in after a listing
Shares bought before an IPO are usually locked in for a period after the company lists. Confirm the current rule before you buy.
Tax on your gains
Unlisted shares are taxed differently from listed ones. Check your position with a tax adviser.
Questions
What buyers ask about this stock.
Not answered here? Ask the desk.
Inquire about Fino Paytech Ltd on WhatsAppIs the price shown for Fino Paytech Ltd final?
No. It is an indicative price per share. The desk confirms the price and the quantity available when you inquire, and the confirmed price is the one you deal at.
How do I buy these shares?
Press Inquire. It opens a WhatsApp chat with the desk, with this stock already named. After the price and quantity are agreed, a 10% advance locks the deal. Once your KYC is complete you pay the balance, and the shares are transferred to your demat account.
Do I pay anything on this website?
No. No payment is taken and no order is placed on this site. Payment details are shared by the desk only after the deal is agreed.
What do I need before I can buy?
A demat account in your name and the documents for KYC: your identity and demat account details are verified before any deal, as the regulations require.
Can I sell my Fino Paytech Ltd shares to GrowFast?
GrowFast buys as well as sells. Press Inquire and tell the desk how many shares you hold; it will come back with what it can offer.
How do I sell Fino Paytech Ltd shares I already hold?
Tell the desk how many you hold. If a price is agreed, you transfer the shares from your demat account with a delivery instruction to your depository participant (a DIS, or its online equivalent), and payment follows as agreed with the desk.
Is there a lock-in if the company lists?
Shares held before an IPO are generally locked in for a period after the listing under SEBI's rules, which have changed over time. Ask the desk for the rule that applies today before you buy.
Is buying unlisted shares legal in India?
Yes. Shares of an unlisted company can be bought and sold privately and are transferred between demat accounts. They are not traded on a stock exchange, so the protections of an exchange do not apply.
What is the minimum I can buy?
It differs by stock and by what the desk holds at the time. The desk confirms the minimum quantity when you inquire.
What is an ISIN?
The 12-character code that identifies a security. It is how your depository knows exactly which share is being transferred to your demat account.
Why are unlisted shares riskier than listed ones?
Prices are indicative and can change without notice. Unlisted shares are illiquid: you may not be able to sell when you want to, or at the price shown.
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Risk disclosure
Prices on this site are indicative, quoted per share, and are not an offer to buy or sell. The price and quantity for any deal are confirmed by GrowFast's desk at the time you deal.
Unlisted, pre-IPO and delisted shares are not traded on a stock exchange. They are illiquid, their prices can move sharply, and you may be unable to sell them when you wish or at all. A company that is expected to list may not do so.
Nothing on this site is investment advice or a promise of returns. Past prices do not predict future prices. Consider your own circumstances, and take independent advice, before you invest.
Inquire opens a WhatsApp chat with GrowFast. No payment is taken and no order is placed on this site.
GrowFast is not affiliated with, sponsored by or endorsed by Fino Paytech Ltd. Its name and logo belong to their owner and are shown only to identify the company. Figures about it come from published sources and have not been audited by GrowFast. See the Terms and Conditions.