Fino Payments Bank Limited specializes in providing digital financial services targeting rural, underserved, and unserved communities, focusing on a wide range of payments-oriented products.

Despite facing regulatory challenges, the bank has seen a significant growth in its CASA (Current Account Savings Account) base, which grew by 36% year-on-year, demonstrating customer trust and strong deposit growth.

The bank's digital payment business experienced moderation due to regulatory oversights, yet it aims to capture over 1.5% of the UPI ecosystem, reflecting its strategic focus and industry positioning.

Fino Payments Bank is amidst transitioning towards a Small Finance Bank (SFB), with preparations and strategic testing well underway for enhanced future financial offerings.

The company's financial resilience is shown by maintaining a healthy EBITDA margin of 15.4%, supported by a structural shift from low-margin to high-margin annuity-based business models.