Fino Paytech Limited Unlisted Share
₹98▼10.91%(12.00)
About the company
About Fino Paytech Limited
Founded in 2006, Fino Paytech Limited is a technology-focused company that develops solutions to make customer onboarding, financial services, and day-to-day operations more efficient. Its applications are designed to support micro-customer acquisition and enable customers to access services with greater convenience, reducing the need for frequent visits to physical branches.
The company offers customer acquisition and enrollment solutions, including biometric-based products for customer registration, data storage, and identity verification. Its technology also supports backend processes and operational management, helping businesses handle customer information and routine activities more effectively.
Fino Paytech’s solutions span areas such as financial technology, customer enrollment, biometric verification, data management, and operational support. The company also provides services related to consultancy, financial literacy, banking, government services, and insurance, making its technology relevant across multiple segments of the financial services ecosystem.
Fundamentals
Valuation
Registry
| Metric | Value |
|---|---|
| PAN number | AAACF9869M |
| ISIN number | INE511I01011 |
Figures in cr ·
Financials
| P&L Statement | 2025Latest | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | 1654 | 1339 | 1149 | 18 | 19 | 62 | 51 |
| EBITDA | 81.7 | 70 | 24 | -213 | -15 | 11 | 10 |
| OPM | 4.94 | 5.23 | 2.09 | -1183.33 | -78.95 | 17.74 | 19.61 |
| PBT | 115 | 80 | 62 | 605 | -15 | 8 | 4 |
| PAT | 97 | 81 | 50 | 523 | -16 | 8 | -9 |
| EPS | 9.28 | 7.75 | 4.79 | 47.81 | -1.61 | 0.81 | -0.91 |
Shareholding Pattern
Bharat Petroleum Corporation Limited
ICICI Prudential Life Insurance Company Ltd
ICICI Bank Limited
Blackstone GPV Capital Partners (Mauritius) VI-B FDI Limited
ICICI Lombard General Insurance
International Finance Corporation
Others
| Holder | Percentage |
|---|---|
| Bharat Petroleum Corporation Limited | 26.77% |
| ICICI Prudential Life Insurance Company Ltd | 10.36% |
| ICICI Bank Limited | 9.07% |
| Blackstone GPV Capital Partners (Mauritius) VI-B FDI Limited | 6.87% |
| ICICI Lombard General Insurance | 5.72% |
| International Finance Corporation | 6.01% |
| Others | 35.20% |
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 Share—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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