Fino Payments Bank Limited (NSE:FINOPB)

Fino Payments Bank Balance Sheet

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Cash & Equivalents	11,977	9,222	7,496	6,186	5,520	1,889
Investment Securities	23,737	23,881	17,469	11,464	6,314	5,036
Total Investments	23,737	23,881	17,469	11,464	6,314	5,036
Gross Loans	1.3	1.69	0.69	1.17	2.45	1.32
Net Loans	1.3	1.69	0.69	1.17	2.45	1.32
Property, Plant & Equipment	3,320	2,976	1,952	1,449	927.49	642.18
Accrued Interest Receivable	-	216.68	68.1	53.93	42.79	13.6
Restricted Cash	-	1,820	3,160	2,153	2,142	819.3
Other Current Assets	-	81.14	110.06	88.41	123.27	47.99
Other Long-Term Assets	4,204	3,861	3,935	3,268	1,728	1,654
Total Assets	43,239	42,059	34,191	24,664	16,800	10,103
Interest Bearing Deposits	20,907	19,080	13,978	9,116	4,976	2,412
Non-Interest Bearing Deposits	-	314.23	147.62	55.66	50.54	16.3
Total Deposits	20,907	19,394	14,125	9,171	5,027	2,428
Short-Term Borrowings	8,654	8,395	7,127	4,341	2,497	1,808
Accrued Interest Payable	-	11.94	9.15	3.61	0.37	0.2
Other Long-Term Liabilities	5,816	6,790	6,498	5,623	4,478	4,361
Total Liabilities	35,377	34,591	27,759	19,139	12,002	8,597
Common Stock	832.2	832.18	832.14	832.14	832.14	445.8
Additional Paid-In Capital	-	6,493	6,492	6,492	6,492	4,045
Retained Earnings	-	-600.06	-1,383	-2,147	-2,559	-2,985
Comprehensive Income & Other	7,030	743.23	490.84	348.25	32.94	-
Shareholders' Equity	7,863	7,469	6,432	5,525	4,798	1,505
Total Liabilities & Equity	43,239	42,059	34,191	24,664	16,800	10,103
Total Debt	8,654	8,395	7,127	4,341	2,497	1,808
Net Cash (Debt)	3,323	827.38	369.09	1,845	3,023	80.9
Net Cash Growth	213.19%	124.17%	-80.00%	-38.95%	3636.95%	-88.60%
Net Cash Per Share	39.80	9.90	4.43	22.18	37.78	1.04
Filing Date Shares Outstanding	83.22	83.22	83.21	83.21	83.21	78.01
Total Common Shares Outstanding	83.22	83.22	83.21	83.21	83.21	78.01
Book Value Per Share	94.48	89.75	77.29	66.40	57.66	19.30
Tangible Book Value	7,863	7,469	6,432	5,525	4,798	1,505
Tangible Book Value Per Share	94.48	89.75	77.29	66.40	57.66	19.30

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.