amit@unlistedkraft.in
+91-9599071664
+91-9599071664
Fino Paytech Limited Unlisted Shares
DRHP Status : Not Filed
116
Fundamentals About Fino Paytech Limited
Downloads & Investor Documents
All documents are provided for informational purposes and are subject to regulatory disclosures.
Key Financials of Fino Paytech Limited
| P&L Statement | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | 18 | 1149 | 1339 | 1654 |
| Cost of Material Consumed | 11 | 185 | 171 | 1115 |
| Change in Inventory | 0 | 3 | 10 | -0.7 |
| Gross Margins | 38.89 | 83.64 | 86.48 | 32.63 |
| Employee Benefit Expenses | 4 | 171 | 184 | 214 |
| Other Expenses | 216 | 766 | 904 | 244 |
| EBITDA | -213 | 24 | 70 | 81.7 |
| OPM | -1183.33 | 2.09 | 5.23 | 4.94 |
| Other Income | 823 | 142 | 158 | 211 |
| Finance Cost | 1 | 54 | 86 | 105 |
| D&A | 2 | 50 | 63 | 73 |
| EBIT | -215 | -26 | 7 | 8.7 |
| EBIT Margins | -1194.44 | -2.26 | 0.52 | 0.53 |
| PBT | 605 | 62 | 80 | 115 |
| PBT Margins | 3361.11 | 5.4 | 5.97 | 6.95 |
| Tax | 82 | 12 | -1 | 18 |
| PAT | 523 | 50 | 81 | 97 |
| NPM | 2905.56 | 4.35 | 6.05 | 5.86 |
| EPS | 47.81 | 4.79 | 7.75 | 9.28 |
Financial Ratios |
2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Operating Profit Margin | -1183.33 | 2.09 | 5.23 | 4.94 |
| Net Profit Margin | 2905.56 | 4.35 | 6.05 | 5.86 |
| Earning Per Share (Diluted) | 47.81 | 4.79 | 7.75 | 9.28 |
| Assets | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Fixed Assets | 4 | 125 | 154 | 172 |
| CWIP | 0 | 26 | 47 | 130 |
| Investments | 421 | 1146 | 1747 | 2389 |
| Trade Receivables | 26 | 72 | 77 | 68 |
| Inventory | 0 | 42 | 32 | 33 |
| Other Assets | 778 | 1209 | 1530 | 1566 |
| Total Assets | 1229 | 2620 | 3587 | 4358 |
| Liabilities | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Share Capital | 109.4 | 104.39 | 104.56 | 104.56 |
| FV | 10 | 10 | 10 | 10 |
| Reserves | 1074 | 533 | 621 | 727.44 |
| Borrowings | 1 | 455 | 733 | 839 |
| Trade Payables | 23 | 23 | 16 | 11 |
| Other Liabilities | 21.6 | 1504.61 | 2112.44 | 2676 |
| Total Liabilities | 1229 | 2620 | 3587 | 4358 |
About Company
Fino Paytech Limited, founded in 2006 and headquartered in Navi Mumbai, is a leading financial technology company specializing in banking, financial services, and insurance (BFSI) solutions. It acts as the promoter holding company for Fino Payments Bank and provides technology-driven financial inclusion services, including Business Correspondent (BC) services, biometrics, and digital payments across India.
The following table shows a 10-point analysis of Fino Paytech Limited. We will discuss each point in detail after this table.
| Parameter | Key Numbers | Insights |
|---|---|---|
| Business Overview | Digital financial services platform | Fino Paytech Limited operates in the financial technology sector, offering digital payment and financial inclusion solutions through its technology infrastructure and service platforms. |
| Industry & Market Position | Fintech and digital payments sector | The company operates in India’s rapidly growing fintech ecosystem, supporting financial inclusion and digital banking services. |
| Core Business Activities | Digital payments Banking technology Financial services distribution |
The company provides technology platforms and services that enable digital transactions, financial services access, and banking solutions. |
| Technology Infrastructure | Digital transaction platform | Fino Paytech has built technology infrastructure that supports digital payments and financial service delivery across multiple channels. |
| Revenue Model | Transaction fees Service charges |
Revenue is generated from digital transactions, financial service distribution, and technology services provided to financial institutions. |
| Customer Reach | Large distribution network | The company’s technology platforms enable financial services to reach customers through partner networks and digital channels. |
| Balance Sheet Strength | Fintech service provider | As a fintech company, the business model relies more on technology infrastructure rather than heavy physical assets. |
| Management & Governance | Experienced fintech leadership | The company is managed by professionals with experience in banking technology, financial services, and digital payments. |
| Growth Drivers | Digital payments growth | Increasing digital transactions, financial inclusion initiatives, and fintech adoption in India support long-term growth opportunities. |
| Liquidity & Exit Visibility | Shares traded in private market | Fino Paytech unlisted shares are traded in the private market where liquidity depends on investor demand and private transactions. |
Company Overview
(i) Fino Paytech Limited operates in the financial technology sector and provides digital payment solutions and technology services that support financial inclusion in India.
(ii) The company focuses on digital transactions, payment processing, and financial service distribution, enabling customers to access banking services through technology-enabled platforms.
(iii) Fino Paytech developed a strong technology infrastructure and agent network, allowing financial institutions to deliver services to underserved and rural populations.
(iv) The company has played an important role in supporting financial inclusion initiatives, enabling access to banking, payments, and other financial services through digital platforms.
(v) Over the years, the organization has expanded its digital transaction capabilities, supporting a growing volume of financial transactions across its network.
(vi) The company continues to focus on improving technology platforms, expanding digital payment services, and strengthening partnerships within the financial services ecosystem.
Challenges in Fino Paytech’s Business
- Regulatory environment: Fintech companies operate under strict financial regulations and must comply with evolving regulatory frameworks.
- Technology investment requirements: Continuous investment in technology infrastructure is necessary to support secure and scalable digital transaction platforms.
- Competitive fintech landscape: Rapid innovation in digital payments and financial technology requires constant technological advancement.
Financial Review of Unlisted Shares
Here are some highlights of the financial performance of Fino Paytech Ltd. over the years.
FY22 Performance
• Revenue stood at ₹341 crore.
• EBITDA was ₹71 crore.
• Profit after tax (PAT) was ₹44 crore.
• Growth supported by increasing digital transaction volumes.
FY23 Performance
• Revenue increased to ₹375 crore.
• EBITDA improved to ₹86 crore.
• Profit after tax rose to ₹56 crore.
• Digital payments adoption supported revenue growth.
FY24 Performance
• Revenue reached ₹412 crore.
• EBITDA increased to ₹95 crore.
• Profit after tax stood at ₹63 crore.
• Operational efficiency improved as transaction volumes increased.
Quick Summary
Fino Paytech Limited operates in the fintech and digital payments sector, providing technology-enabled financial services and transaction platforms.
The company benefits from the growth of digital payments and financial inclusion initiatives in India, which continue to drive demand for technology-enabled financial services.
From an investor’s perspective, Fino Paytech unlisted shares provide exposure to the fintech sector, although investors should consider regulatory risks and liquidity constraints associated with unlisted investments.
Click Here to visit the official website of Fino Paytech Ltd.
Promoters of Fino Paytech Limited
The following individuals are associated with the promoter group of Fino Paytech Limited:
| Name | Designation |
|---|---|
| Rishi Gupta | Managing Director & CEO |
| Promoter Group | Promoters |
The promoter and leadership team have extensive experience in financial services, digital payments, and fintech technology development.
Shareholding Pattern of Fino Paytech Limited
Latest News
Latest Post
Coming soon...
Coming soon...
Frequently Asked Questions
Fino Paytech unlisted shares are equity shares of Fino Paytech Limited that are not listed on NSE or BSE but are traded privately in the unlisted market.
Yes. Investors can buy Fino Paytech unlisted shares on UnlistedKraft by completing KYC and placing an order through the platform.
Fino Paytech unlisted shares belong to a fintech company, but like all unlisted investments they involve liquidity risk and market uncertainties.
Prices of Fino Paytech unlisted shares depend on private market transactions, company performance, and investor demand.
Yes, investors must have a valid demat account to hold Fino Paytech unlisted shares.
Yes. Investors can sell Fino Paytech unlisted shares through private market transactions depending on buyer availability.
If the company lists in the future, pre-IPO investors may be subject to a six-month lock-in period after listing.
If Fino Paytech unlisted shares are held for more than two years, gains are taxed at 20% with indexation. If sold earlier, gains are taxed according to the investor’s income tax slab.
UnlistedKraft provides verified deals, transparent pricing, and expert guidance for investors interested in Fino Paytech unlisted shares.
+91-9599071664
amit@unlistedkraft.in