{"id":192345,"date":"2026-08-10T10:39:18","date_gmt":"2026-08-10T05:09:18","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=192345"},"modified":"2026-08-10T10:39:20","modified_gmt":"2026-08-10T05:09:20","slug":"paytm-vs-fino-payments-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/","title":{"rendered":"One97 Communications vs Fino Payments Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Paytm (One97) MCap Rs 91,695 Cr, PE 141.32x, ROE 4.55%. Fino Payments MCap Rs 1,344 Cr, PE 25.63x, ROE 7.26%.<\/em><\/p>\n<p>One97 Communications (Paytm) vs Fino Payments Bank is a comparison fintech investors look up when evaluating two listed Indian payment-focused companies at very different scales. Paytm is one of India&#8217;s most well-known fintech brands, operating as a digital payments, financial services and commerce platform, while Fino Payments Bank is a small payments bank focused on last-mile banking and payments for underbanked rural and semi-urban populations through a banking correspondent model.<\/p>\n<p>This One97 Communications vs Fino Payments Bank article covers reach and market position, key products, latest declared results and stock valuation. The One97 Communications vs Fino Payments Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#One97_Communications_vs_Fino_Payments_Bank_Reach_and_Market_Position\" title=\"One97 Communications vs Fino Payments Bank: Reach and Market Position\">One97 Communications vs Fino Payments Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#One97_Communications_vs_Fino_Payments_Bank_Key_Products_and_Business_Mix\" title=\"One97 Communications vs Fino Payments Bank: Key Products and Business Mix\">One97 Communications vs Fino Payments Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#One97_Communications_vs_Fino_Payments_Bank_Latest_Results\" title=\"One97 Communications vs Fino Payments Bank: Latest Results\">One97 Communications vs Fino Payments Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#One97_Communications_vs_Fino_Payments_Bank_Stock_and_Valuation\" title=\"One97 Communications vs Fino Payments Bank: Stock and Valuation\">One97 Communications vs Fino Payments Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#One97_Communications_vs_Fino_Payments_Bank_Quick_Comparison_Table\" title=\"One97 Communications vs Fino Payments Bank: Quick Comparison Table\">One97 Communications vs Fino Payments Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#What_happened_to_Paytm_Payments_Bank\" title=\"What happened to Paytm Payments Bank?\">What happened to Paytm Payments Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#What_is_Fino_Payments_Bank_known_for\" title=\"What is Fino Payments Bank known for?\">What is Fino Payments Bank known for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#Is_Paytm_profitable\" title=\"Is Paytm profitable?\">Is Paytm profitable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#Is_Fino_Payments_Bank_aspiring_for_a_universal_bank_licence\" title=\"Is Fino Payments Bank aspiring for a universal bank licence?\">Is Fino Payments Bank aspiring for a universal bank licence?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#Which_is_larger_Paytm_or_Fino\" title=\"Which is larger, Paytm or Fino?\">Which is larger, Paytm or Fino?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#Are_Paytm_and_Fino_in_Nifty_50\" title=\"Are Paytm and Fino in Nifty 50?\">Are Paytm and Fino in Nifty 50?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/paytm-vs-fino-payments-bank-comparison\/#What_is_a_payments_bank\" title=\"What is a payments bank?\">What is a payments bank?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"One97_Communications_vs_Fino_Payments_Bank_Reach_and_Market_Position\"><\/span><strong>One97 Communications vs Fino Payments Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the One97 Communications side of the One97 Communications vs Fino Payments Bank comparison, Paytm operates a payments superapp serving over 100 million users for UPI payments, merchant payments, lending referrals and insurance. Market capitalisation is Rs 91,695 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=paytm-vs-finopb\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Fino Payments Bank side of the One97 Communications vs Fino Payments Bank comparison, Fino Payments Bank serves rural and semi-urban banking customers through a network of banking points, business correspondents and micro ATMs for cash deposits, withdrawals and remittances. Market capitalisation is Rs 1,344 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"One97_Communications_vs_Fino_Payments_Bank_Key_Products_and_Business_Mix\"><\/span><strong>One97 Communications vs Fino Payments Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the One97 Communications vs Fino Payments Bank product comparison, One97 Communications offers: Paytm earns from payment processing fees, merchant subscriptions, financial services distribution and commerce. EPS is Rs 10.12. P\/E is 141.32x, ROE 4.55 percent, near-zero debt. Paytm is undergoing a significant business restructuring following RBI action on Paytm Payments Bank in early 2024.<\/p>\n<p>For Fino Payments Bank in this One97 Communications vs Fino Payments Bank breakdown: Fino Payments Bank earns from transaction fees on deposits, withdrawals, remittances and micro-lending. EPS is Rs 6.30. P\/E is 25.63x, ROE 7.26 percent. Fino is approximately 68 times smaller than Paytm by market cap.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"One97_Communications_vs_Fino_Payments_Bank_Latest_Results\"><\/span><strong>One97 Communications vs Fino Payments Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The One97 Communications vs Fino Payments Bank results for One97 Communications: Paytm has a market cap of Rs 91,695 Cr and P\/E of 141.32x. ROE is 4.55 percent. Paytm is rebuilding its business model after RBI restrictions on its Payments Bank in January 2024 required migration of its UPI and wallet operations.<\/p>\n<p>The One97 Communications vs Fino Payments Bank results for Fino Payments Bank: Fino Payments Bank has a market cap of Rs 1,344 Cr and P\/E of 25.63x. ROE is 7.26 percent. Fino is a much smaller but focused payments bank with a clear last-mile distribution model.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare One97 Communications and Fino Payments Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"One97_Communications_vs_Fino_Payments_Bank_Stock_and_Valuation\"><\/span><strong>One97 Communications vs Fino Payments Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The One97 Communications vs Fino Payments Bank stock comparison uses the latest available market data from Groww. Investors tracking One97 Communications vs Fino Payments Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>Paytm vs Fino Payments Bank at current valuations: Paytm trades at Rs 91,695 Cr market cap, P\/E 141.32x, ROE 4.55 percent. Fino trades at Rs 1,344 Cr market cap, P\/E 25.63x, ROE 7.26 percent. Paytm is 68 times larger with a high P\/E reflecting restructuring and future potential. Fino is much smaller but cheaper on P\/E with a clearer revenue model.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"One97_Communications_vs_Fino_Payments_Bank_Quick_Comparison_Table\"><\/span><strong>One97 Communications vs Fino Payments Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The One97 Communications vs Fino Payments Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/paytm\/one-communications-ltd-share-price-today\">One97 Communications<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/finopb\/fino-payments-bank-ltd-share-price-today\">Fino Payments Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Digital payments + financial services (large)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rural payments bank (last-mile banking)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 91,695 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 1,344 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">141.32x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">25.63x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">4.55%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">7.26%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Business Model<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Merchant payments + lending + commerce<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Cash deposits, withdrawals, remittances (B2B banking)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Profitability<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Thin profits (restructuring)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Profitable (modest)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">None<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The One97 Communications vs Fino Payments Bank comparison above covers the key data points on reach, products, results and valuation. One97 Communications vs Fino Payments Bank covers two very different payment company models. One97 Communications vs Fino Payments Bank shows Paytm as India&#8217;s largest digital payments brand rebuilding its ecosystem post RBI action. Fino is a small but focused rural payments bank with steady transaction fee income. Investors reviewing One97 Communications vs Fino Payments Bank should check UPI market share, loan distribution revenue and Fino&#8217;s transaction growth. One97 Communications vs Fino Payments Bank are contrasting payment models \u2014 consult a SEBI-registered advisor for personalised guidance.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track One97 Communications and Fino Payments Bank live price and get daily stock recommendations.<\/em><\/p>\n<p>SEBI Research Analyst Registration No. INH000013776<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_happened_to_Paytm_Payments_Bank\"><\/span><strong>What happened to Paytm Payments Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> RBI directed Paytm Payments Bank (a subsidiary of One97 Communications) in January 2024 to stop onboarding new customers and cease certain banking operations due to compliance concerns. Paytm migrated its UPI and wallet to other partner banks and is rebuilding its payments ecosystem.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Fino_Payments_Bank_known_for\"><\/span><strong>What is Fino Payments Bank known for?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Fino Payments Bank is known for enabling last-mile financial services for rural India \u2014 cash deposits, withdrawals, remittances, Aadhaar-enabled payments and micro-ATM services \u2014 through a vast network of banking points operated by business correspondents.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Paytm_profitable\"><\/span><strong>Is Paytm profitable?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Paytm (One97 Communications) has been working toward profitability. EPS of Rs 10.12 indicates thin current profits post the Payments Bank restructuring. Investors should review the latest quarterly results.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Fino_Payments_Bank_aspiring_for_a_universal_bank_licence\"><\/span><strong>Is Fino Payments Bank aspiring for a universal bank licence?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. Fino Payments Bank has expressed interest in applying for a small finance bank or universal bank licence as it matures its operations and balance sheet.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_is_larger_Paytm_or_Fino\"><\/span><strong>Which is larger, Paytm or Fino?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Paytm (One97 Communications) is significantly larger at Rs 91,695 Cr versus Fino Payments Bank at Rs 1,344 Cr \u2014 about 68 times larger.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_Paytm_and_Fino_in_Nifty_50\"><\/span><strong>Are Paytm and Fino in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Neither is in Nifty 50. Paytm is tracked in Nifty 500. Fino is a small-cap outside major indices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_payments_bank\"><\/span><strong>What is a payments bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A payments bank is a licensed bank in India that can accept deposits (up to Rs 2 lakh per customer) and offer remittance and payments services, but cannot offer loans or credit products directly.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paytm vs Fino Payments Bank compared on payment volumes, business model, ROE and valuation. 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