Fino Paytech LimitedUnlisted Shares
₹ 110▼12.00%(15.00)
About the company
Founded in 2006, Fino Paytech Limited is a technology-driven financial services company that develops digital solutions to improve financial inclusion and simplify customer onboarding. The company works closely with banks, government institutions, insurance providers, and other financial organizations by offering technology platforms that make it easier to deliver essential financial services, particularly in underserved and remote areas.
One of Fino Paytech's core strengths is its customer enrollment solutions, which enable organizations to onboard customers quickly and securely without requiring them to visit a physical branch. Using mobile-enabled applications and digital verification tools, the company facilitates doorstep account opening and customer acquisition, helping financial institutions expand their reach while improving customer convenience.
Fundamentals
Valuation
- 52 week high
- ₹130
- 52 week low
- ₹105
- P/B ratio
- 1.37
- Debt to equity
- 1.01
- ROE (%)
- 11.66%
- Book value
- ₹80.52
- Face value
- ₹10
- Valuation
- —
Registry
- ISIN number
- INE511I01011
Figures in cr ·
Financials
| P&L Statement | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 51 | 62 | 19 | 18 | 1149 | 1339 | 1654 |
| EBITDA | 10 | 11 | -15 | -213 | 24 | 70 | 81.7 |
| OPM | 19.61 | 17.74 | -78.95 | -1183.33 | 2.09 | 5.23 | 4.94 |
| PBT | 4 | 8 | -15 | 605 | 62 | 80 | 115 |
| PAT | -9 | 8 | -16 | 523 | 50 | 81 | 97 |
| EPS | -0.91 | 0.81 | -1.61 | 47.81 | 4.79 | 7.75 | 9.28 |
Shareholding Pattern
Leadership
| Name | Role | Experience | |
|---|---|---|---|
| Amit Kumar Jain | Whole-time Director, COO | 25+ yrs experience | |
| Ashok Kini | Non- Executive Chairman | 30+ yrs experience | — |
| Dr. Apurva Joshi | Director | 10 yrs experience | — |
Frequently asked questions
Common questions on Fino Paytech Limited Unlisted Shares—tap a row to read the answer.
Q.1What is Fino Paytech Limited and what does the company do?
Fino Paytech Limited is a financial technology company that provides digital solutions for customer onboarding, biometric authentication, payment infrastructure, and operational support to banks, government agencies, insurance companies, and financial institutions. Its technology helps organizations deliver financial services more efficiently while improving access for customers in rural and underserved regions of India.
Q.2Can I buy Fino Paytech Limited unlisted shares?
Yes. Fino Paytech Limited unlisted shares can be purchased through private market transactions. Once the required documentation and payment formalities are completed, the shares are transferred electronically to the buyer's demat account. Investors should evaluate the company's financial performance, business model, and valuation before making an investment.
Q.3Is it legal to invest in Fino Paytech Limited unlisted shares?
Yes. Investing in unlisted shares is legal in India when transactions are carried out in accordance with applicable regulations and depository procedures. Buyers should ensure that the shares are transferred through a valid demat account and that all necessary documentation is properly completed.
Q.4Why do investors consider Fino Paytech Limited unlisted shares?
Investors may consider Fino Paytech Limited because of its presence in the growing fintech and digital financial services sector. The company's focus on financial inclusion, biometric technology, digital customer onboarding, and technology solutions for financial institutions offers exposure to India's expanding digital banking ecosystem. However, every investment should be evaluated based on individual financial goals and risk tolerance.
Q.5Is there any lock-in period for Fino Paytech Limited unlisted shares?
In most secondary market transactions, there is no mandatory lock-in period after the shares are credited to your demat account. However, shares issued under employee stock option plans, preferential allotments, or other specific schemes may carry separate lock-in conditions. Investors should confirm this before purchasing.
Q.6How can I sell Fino Paytech Limited unlisted shares?
You can sell Fino Paytech Limited unlisted shares by locating a buyer in the private market. After both parties agree on the transaction terms, the shares are transferred electronically from the seller's demat account to the buyer's demat account, and payment is settled according to the agreed process.
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