{"id":80736,"date":"2026-05-01T14:51:47","date_gmt":"2026-05-01T09:21:47","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=80736"},"modified":"2026-05-01T14:51:49","modified_gmt":"2026-05-01T09:21:49","slug":"fino-payments-bank-limited-q4-fy26-results-pat-7-crore","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/","title":{"rendered":"PAT Rs 7.10 Crore | Fino Payments Bank Q4 FY26 Results"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p>Fino Payments Bank announced its Q4 FY26 financial results on April 29, 2026, reporting PAT of Rs 7.10 crore, a 70.4 percent year-on-year decline, as the Payments Bank and Financial Inclusion company delivered its January to March 2026 quarter earnings. Fino Payments Bank Q4 FY26 results are closely tracked by investors as a key indicator of the company&#8217;s performance trajectory. This article covers the Fino Payments Bank Q4 FY26 financial highlights, performance analysis, full year FY26 summary, management outlook, and frequently asked questions on Fino Payments Bank Q4 results.<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Fino_Payments_Bank_Q4_FY26_Financial_Highlights\" title=\"Fino Payments Bank Q4 FY26 Financial Highlights\">Fino Payments Bank Q4 FY26 Financial Highlights<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Fino_Payments_Bank_Q4_FY26_Performance_Analysis\" title=\"Fino Payments Bank Q4 FY26 Performance Analysis\">Fino Payments Bank Q4 FY26 Performance Analysis<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Fino_Payments_Bank_Full_Year_FY26_Business_Summary\" title=\"Fino Payments Bank Full Year FY26 Business Summary\">Fino Payments Bank Full Year FY26 Business Summary<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Fino_Payments_Bank_Q4_FY26_Outlook_and_FY27_Priorities\" title=\"Fino Payments Bank Q4 FY26 Outlook and FY27 Priorities\">Fino Payments Bank Q4 FY26 Outlook and FY27 Priorities<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#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-6\" href=\"https:\/\/univest.in\/blogs-2\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Frequently_Asked_Questions_on_Fino_Payments_Bank_Q4_FY26_Results\" title=\"Frequently Asked Questions on Fino Payments Bank Q4 FY26 Results\">Frequently Asked Questions on Fino Payments Bank Q4 FY26 Results<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#What_were_the_Fino_Payments_Bank_Q4_FY26_results\" title=\"What were the Fino Payments Bank Q4 FY26 results?\">What were the Fino Payments Bank Q4 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#What_was_Fino_Payments_Bank_Q4_FY26_PAT\" title=\"What was Fino Payments Bank Q4 FY26 PAT?\">What was Fino Payments Bank Q4 FY26 PAT?<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#What_was_Fino_Payments_Bank_Q4_FY26_revenue\" title=\"What was Fino Payments Bank Q4 FY26 revenue?\">What was Fino Payments Bank Q4 FY26 revenue?<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Did_Fino_Payments_Bank_declare_a_dividend_after_Q4_FY26_results\" title=\"Did Fino Payments Bank declare a dividend after Q4 FY26 results?\">Did Fino Payments Bank declare a dividend after Q4 FY26 results?<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#What_is_the_outlook_for_Fino_Payments_Bank_after_Q4_FY26\" title=\"What is the outlook for Fino Payments Bank after Q4 FY26?\">What is the outlook for Fino Payments Bank after Q4 FY26?<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#How_did_Fino_Payments_Bank_Q4_FY26_compare_year_on_year\" title=\"How did Fino Payments Bank Q4 FY26 compare year on year?\">How did Fino Payments Bank Q4 FY26 compare year on year?<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#What_sector_does_Fino_Payments_Bank_operate_in\" title=\"What sector does Fino Payments Bank operate in?\">What sector does Fino Payments Bank operate in?<\/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\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Is_Fino_Payments_Bank_a_good_investment_after_Q4_FY26_results\" title=\"Is Fino Payments Bank a good investment after Q4 FY26 results?\">Is Fino Payments Bank a good investment after Q4 FY26 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/fino-payments-bank-limited-q4-fy26-results-pat-7-crore\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Fino_Payments_Bank_Q4_FY26_Financial_Highlights\"><\/span><strong>Fino Payments Bank Q4 FY26 Financial Highlights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fino Payments Bank reported Q4 FY26 net profit of Rs 7.10 crore, a 70.4 percent year-on-year decline from Rs 24 crore in Q4 FY25. Revenue declined 31 percent YoY to Rs 340 crore from Rs 493.5 crore, as other income fell 37.4 percent to Rs 275.88 crore. For FY26, annual PAT declined 43 percent to Rs 52.46 crore and revenue fell 14 percent to Rs 1,587.9 crore. The bank received in-principle RBI approval to transition to a Small Finance Bank.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Q4 FY26<\/th>\n<th>Q4 FY25<\/th>\n<th>YoY Change<\/th>\n<\/tr>\n<tr>\n<td>Revenue \/ Total Income<\/td>\n<td>Rs 340 crore<\/td>\n<td>Refer NSE\/BSE filing<\/td>\n<td>Declined 31 percent YoY<\/td>\n<\/tr>\n<tr>\n<td>PAT<\/td>\n<td>Rs 7.10 crore<\/td>\n<td>Refer NSE\/BSE filing<\/td>\n<td>Lower 70.4 percent YoY<\/td>\n<\/tr>\n<tr>\n<td>Full Year FY26 PAT<\/td>\n<td>Rs 52.46 crore (FY26 annual PAT down 43 percent YoY)<\/td>\n<td>Refer filing<\/td>\n<td>As reported<\/td>\n<\/tr>\n<tr>\n<td>Dividend (FY26)<\/td>\n<td>Not declared<\/td>\n<td>Refer filing<\/td>\n<td>FY26 final<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/univest.in\/blogs-2\/bhansali-engineering-polymers-q4-fy26-results-pat-51-crore\/\">Bhansali Engineering Polymers Q4 FY26 Results<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fino_Payments_Bank_Q4_FY26_Performance_Analysis\"><\/span><strong>Fino Payments Bank Q4 FY26 Performance Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fino Payments Bank Q4 FY26 PAT decline of 70.4 percent was driven by a 37.4 percent fall in other income (fee and commission income from CASA, AePS, and remittances) to Rs 275.88 crore. Core NII did improve 31.5 percent YoY to Rs 35.2 crore, and the highest-ever CASA deposit of Rs 2,957 crore was recorded. The customer base expanded to 1.75 crore.<\/p>\n<p>Fino Payments Bank Q4 FY26 recorded its highest-ever quarterly net revenue margin of 40 percent, and the CASA contribution rose to 45 percent. Despite profit pressure, operational metrics including deposit growth of 20 percent YoY and digital throughput growth of 16 percent for FY26 showed resilience.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fino_Payments_Bank_Full_Year_FY26_Business_Summary\"><\/span><strong>Fino Payments Bank Full Year FY26 Business Summary<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>FY26 was a challenging profitability year for Fino Payments Bank as fee income moderated. The bank received in-principle RBI approval to transition to a Small Finance Bank, which is the most significant strategic development of FY26 and unlocks lending capabilities.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fino_Payments_Bank_Q4_FY26_Outlook_and_FY27_Priorities\"><\/span><strong>Fino Payments Bank Q4 FY26 Outlook and FY27 Priorities<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fino Payments Bank FY27 focus is entirely on the Small Finance Bank transition, which if completed will allow the bank to offer retail loans and generate significantly higher yields. The transition will be the key re-rating event for Fino Payments Bank investors in FY27.<\/p>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or the <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to get daily stock recommendations and insightful research pieces!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>Fino Payments Bank Q4 FY26 results<\/strong> provide investors with the company&#8217;s January to March 2026 performance data. Fino Payments Bank Q4 FY26 PAT of Rs 7.10 crore reflects the operational performance in the Payments Bank and Financial Inclusion sector. Investors tracking <strong>Fino Payments Bank Q4<\/strong> results should review the complete audited financials on NSE and BSE exchange filings before making any investment decision. Fino Payments Bank Q4 FY26 is an important milestone in the company&#8217;s annual earnings calendar.<\/p>\n<p><em>This article on Fino Payments Bank Q4 FY26 results is for informational and educational purposes only. It is not investment advice. Please consult a SEBI registered investment advisor before making any investment decision. Past performance is not indicative of future results.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Fino_Payments_Bank_Q4_FY26_Results\"><\/span><strong>Frequently Asked Questions on Fino Payments Bank Q4 FY26 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_were_the_Fino_Payments_Bank_Q4_FY26_results\"><\/span><strong>What were the Fino Payments Bank Q4 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fino Payments Bank Q4 FY26 results were announced on April 29, 2026. The company reported PAT of Rs 7.10 crore for the January to March 2026 quarter. Fino Payments Bank Q4 FY26 details are in the official NSE and BSE exchange filings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Fino_Payments_Bank_Q4_FY26_PAT\"><\/span><strong>What was Fino Payments Bank Q4 FY26 PAT?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fino Payments Bank Q4 FY26 PAT was Rs 7.10 crore, lower 70.4 percent YoY. The Fino Payments Bank Q4 FY26 results were announced on April 29, 2026, at the board of directors meeting to approve audited financials.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Fino_Payments_Bank_Q4_FY26_revenue\"><\/span><strong>What was Fino Payments Bank Q4 FY26 revenue?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fino Payments Bank Q4 FY26 revenue was Rs 340 crore. Investors should refer to the NSE and BSE exchange filing for the full audited Fino Payments Bank Q4 FY26 revenue breakdown and segmental performance data.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Did_Fino_Payments_Bank_declare_a_dividend_after_Q4_FY26_results\"><\/span><strong>Did Fino Payments Bank declare a dividend after Q4 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fino Payments Bank did not declare a dividend in the Q4 FY26 results announcement. Refer to the official exchange filing for confirmation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_outlook_for_Fino_Payments_Bank_after_Q4_FY26\"><\/span><strong>What is the outlook for Fino Payments Bank after Q4 FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fino Payments Bank FY27 focus is entirely on the Small Finance Bank transition, which if completed will allow the bank to offer retail loans and generate significantly higher yields. The transition will be the key re-rating event for Fino Payments Ba&#8230; Investors should monitor management commentary and quarterly filings for updated guidance on Fino Payments Bank Q4 FY26 performance sustainability into FY27.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Fino_Payments_Bank_Q4_FY26_compare_year_on_year\"><\/span><strong>How did Fino Payments Bank Q4 FY26 compare year on year?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fino Payments Bank Q4 FY26 PAT of Rs 7.10 crore was lower 70.4 percent YoY. The year-on-year comparison for Fino Payments Bank Q4 FY26 versus Q4 FY25 is available in the official audited NSE and BSE exchange filings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_sector_does_Fino_Payments_Bank_operate_in\"><\/span><strong>What sector does Fino Payments Bank operate in?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fino Payments Bank operates in the Payments Bank and Financial Inclusion sector in India and is listed on NSE and BSE. Fino Payments Bank Q4 FY26 results reflect the broader Payments Bank and Financial Inclusion sector trends for the January to March 2026 quarter. Contextualising Fino Payments Bank Q4 performance within industry dynamics requires reviewing sector-level data alongside management commentary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Fino_Payments_Bank_a_good_investment_after_Q4_FY26_results\"><\/span><strong>Is Fino Payments Bank a good investment after Q4 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Whether Fino Payments Bank is a good investment after the Fino Payments Bank Q4 FY26 results depends on your individual financial goals, risk tolerance, and investment horizon. Fino Payments Bank Q4 FY26 results provide one data point on the company&#8217;s trajectory. Always consult a SEBI registered financial advisor before making any investment decision.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/torrent-power-q4-results-2026-2\">Torrent Power Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/usha-martin-q4-results-2026\">Usha Martin Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/triveni-engineering-and-industries-q4-results-2026\">Triveni Engineering and Industries Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/utkarsh-small-finance-bank-q4-results-2026\">Utkarsh Small Finance Bank Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/venus-pipes-and-tubes-q4-results-2026\">Venus Pipes and Tubes Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fino Payments Bank Q4 FY26 results April 29, 2026: PAT Rs 7.10 crore, down 70.4% YoY. 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