Fino Payments Bank Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	925.35	862.24	650.87	427.41	204.74
Depreciation & Amortization	621.5	534.46	418.55	354.5	535.83
Gain (Loss) on Sale of Assets	-0.32	-0.13	0.17	3.3	6.37
Gain (Loss) on Sale of Investments	32.5	0.23	0.23	-	-
Provision for Credit Losses	-	5.6	-	-	40.22
Change in Other Net Operating Assets	-6,291	-5,859	-5,562	-1,283	-2,485
Other Operating Activities	81.09	26.96	69.83	-37.86	122.95
Operating Cash Flow	-4,507	-4,386	-4,346	-504.09	-1,575
Capital Expenditures	-1,645	-1,038	-943.41	-643.54	-690.39
Sale of Property, Plant and Equipment	0.57	0.26	3.06	0.43	0.92
Investment in Securities	-	-	-24.98	-	-
Investing Cash Flow	-1,645	-1,038	-965.33	-643.11	-689.46
Long-Term Debt Issued	1,268	2,786	1,844	688.58	700.07
Net Debt Issued (Repaid)	1,268	2,786	1,844	688.58	700.07
Issuance of Common Stock	0.92	-	-	2,834	-
Net Increase (Decrease) in Deposit Accounts	5,269	4,954	4,145	2,579	1,253
Financing Cash Flow	6,538	7,740	5,989	6,101	1,953
Net Cash Flow	386.39	2,316	677.76	4,953	-311.62
Free Cash Flow	-6,152	-5,424	-5,289	-1,148	-2,266
Free Cash Flow Margin	-35.55%	-38.77%	-44.73%	-11.55%	-29.14%
Free Cash Flow Per Share	-73.64	-65.14	-63.56	-14.34	-29.04
Cash Income Tax Paid	127.68	22.43	-34.87	75.29	-95.06

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.