Fino Payments Bank Q2 Results FY27: Revenue Falls 16.61% to Rs 333.62 Cr, PAT Loss Rs 20.90 Cr

Fino Payments Bank Ltd (FINOPB) Q2 Results FY27 announced on 29 October 2026, covering the company's financial performance for the July to September quarter. The company reported revenue of Rs 333.62 Cr and a PAT loss of Rs 20.90 Cr under the NSE symbol FINOPB. Fino Payments Bank Q2 Results FY27 were released on this results date and cover the standalone results of the bank.

This Fino Payments Bank Q2 Results review is a results analysis covering the financial highlights, business drivers, outlook and risks for the quarter. Univest brings the declared numbers together so that the Financial Highlights table below can be read alongside the explanation of what changed.

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Fino Payments Bank Q2 Results FY27: Financial Highlights

Metric	Q2 FY27 (Sep 26)	Q2 FY26 (Sep 25)	YoY Change
Revenue	Rs 333.62 Cr	Rs 400.05 Cr	-16.61% YoY
Net Profit (PAT)	Rs -20.9 Cr	Rs 15.35 Cr	-236.16% YoY

Source: company filing for Fino Payments Bank Q2 Results FY27, 29 October 2026. Figures in Rs Crore, Standalone basis.

Key Takeaways from Fino Payments Bank Q2 Results: What Stands Out

• Revenue fell 16.61% YoY to Rs 333.62 Cr from Rs 400.05 Cr, so top-line YoY growth was negative in this quarter.
• Net profit moved to a loss of Rs 20.90 Cr against a profit of Rs 15.35 Cr a year earlier, a 236.16% YoY fall.
• Net profit margin was -6.3% compared with 3.8% in the comparison quarter, based on the standalone figures.
• Revenue rose 8.7% quarter on quarter from Rs 306.87 Cr, a sequential move that sits beside the YoY decline in Fino Payments Bank Q2 Results FY27.
• The performance analysis comes next and shows how the revenue decline and the net loss fit together.

Fino Payments Bank Q2 Results FY27: Performance Analysis

Standalone revenue at Fino Payments Bank was Rs 333.62 Cr for the July to September 2026 quarter, down 16.61% from Rs 400.05 Cr a year earlier. Net profit was a loss of Rs 20.90 Cr against a profit of Rs 15.35 Cr, which is a 236.16% YoY fall in net profit.

These quarterly results have two layers. Against the same quarter last year, both revenue and net profit moved lower. Against the previous quarter, revenue was up 8.7% from Rs 306.87 Cr, so Fino Payments Bank Q2 Results FY27 combine a sequential rise in revenue with a YoY decline.

The results analysis also covers margin. Net profit margin narrowed to -6.3% from 3.8% in the comparison quarter, and readers of the Fino Payments Bank Q2 Results can track revenue and the loss line in later filings. That brings the results analysis to the business factors behind these numbers.

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Key Business Factors This Quarter

Sequential Revenue Rise – The results analysis points first to revenue, which was up 8.7% quarter on quarter from Rs 306.87 Cr. This sequential move shaped the quarterly results, even though revenue stayed 16.61% below the year earlier quarter.

Net Profit Margin – Net profit margin narrowed to -6.3% from 3.8% in the comparison quarter. This shaped how the Rs 20.90 Cr net loss appears against Rs 333.62 Cr of revenue in Fino Payments Bank Q2 Results FY27.

Return on Equity – Return on equity was low at 7.04% in FY26. This is the full year reference point reported alongside the quarter, and it gives context to the earnings base that the Q2 loss is measured against.

FY27 Outlook After Fino Payments Bank Q2 Results

FY27 full year results will depend on the quarters that follow this one. The results analysis shows a standalone revenue base of Rs 333.62 Cr in Fino Payments Bank Q2 Results FY27, and later quarters will show how that base develops against the Rs 400.05 Cr of a year earlier.

Net profit is the second line to follow. The company reported a net loss of Rs 20.90 Cr this quarter, so the net profit figure in the next filing will show how the YoY comparison moves. Univest users can track each disclosure on the Univest Screener, and these watch points lead directly into the risks.

Key Risks to Watch After Fino Payments Bank Q2 Results FY27

Revenue Decline

Revenue declined 16.6% year on year to Rs 333.62 Cr in the latest quarter. In Fino Payments Bank Q2 Results FY27 that is a gap of Rs 66.43 Cr to the Rs 400.05 Cr reported a year earlier.

Net Loss

The company reported a net loss of Rs 20.90 Cr in the latest quarter, against a profit of Rs 15.35 Cr in the comparison quarter. This changes the YoY growth comparison for net profit in later quarters.

Narrower Margin

Net profit margin narrowed to -6.3% from 3.8% in the comparison quarter. This margin comparison comes from the standalone figures and is one of the numbers to compare when the next results are declared.

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Conclusion

Fino Payments Bank Q2 Results FY27 show standalone revenue of Rs 333.62 Cr and a net loss of Rs 20.90 Cr for the July to September 2026 quarter. Revenue fell 16.61% YoY, while net profit moved from Rs 15.35 Cr to a loss. Anyone tracking the Fino Payments Bank Q2 Results can compare these quarterly results with later standalone results. Investors should consult a SEBI-registered advisor before acting.

Frequently Asked Questions on Fino Payments Bank Q2 Results FY27

What are Fino Payments Bank Q2 Results FY27?

Ans. Fino Payments Bank Q2 Results FY27 cover the July to September 2026 quarter, with standalone revenue of Rs 333.62 Cr and a net loss of Rs 20.90 Cr, as summarised in the Quick Answer at the top.

What is the results date for Fino Payments Bank Q2 Results FY27?

Ans. Fino Payments Bank Q2 Results FY27 were declared on 29 October 2026, which is the results date for the quarter. This date is stated in the opening paragraphs, which also introduce the standalone basis.

What revenue was reported in Fino Payments Bank Q2 Results FY27?

Ans. Fino Payments Bank reported revenue of Rs 333.62 Cr in the July to September 2026 quarter, compared with Rs 400.05 Cr a year earlier, as the Financial Highlights table sets out.

What net profit was reported in Fino Payments Bank Q2 Results FY27?

Ans. Fino Payments Bank reported a net loss of Rs 20.90 Cr in the quarter, compared with a net profit of Rs 15.35 Cr a year earlier, as detailed in the Key Takeaways section.

How much YoY growth did revenue show in Fino Payments Bank Q2 Results FY27?

Ans. Revenue in Fino Payments Bank Q2 Results FY27 was down 16.61% YoY, so YoY growth was negative, while revenue was up 8.7% quarter on quarter, as the Performance Analysis section explains.

Did net profit rise or fall in Fino Payments Bank Q2 Results?

Ans. Net profit fell in Fino Payments Bank Q2 Results, moving from Rs 15.35 Cr to a loss of Rs 20.90 Cr, a 236.16% YoY change, which the Performance Analysis section walks through.

What was the net profit margin in Fino Payments Bank Q2 Results FY27?

Ans. Net profit margin was -6.3% in the quarter, compared with 3.8% in the comparison quarter, so the margin narrowed while revenue stood at Rs 333.62 Cr, as covered under Key Business Factors.

Are Fino Payments Bank Q2 Results consolidated results or standalone results?

Ans. Fino Payments Bank Q2 Results are standalone results, so every figure here is on a standalone basis, alongside the revenue of Rs 333.62 Cr and net loss of Rs 20.90 Cr in the Financial Highlights.

What business factors shaped Fino Payments Bank Q2 Results FY27?

Ans. Business factors in Fino Payments Bank Q2 Results FY27 include an 8.7% quarter on quarter revenue rise from Rs 306.87 Cr, the margin move and a 7.04% return on equity in FY26, as Key Business Factors lists.

What are the key risks after Fino Payments Bank Q2 Results FY27?

Ans. The key risks after Fino Payments Bank Q2 Results FY27 are the 16.6% YoY revenue decline, the Rs 20.90 Cr net loss and the narrower margin, which the Key Risks section covers in detail.

What is the outlook after Fino Payments Bank Q2 Results?

Ans. FY27 full year results after Fino Payments Bank Q2 Results will depend on subsequent quarters, while the standalone revenue base of Rs 333.62 Cr is the reference, as the Outlook section describes.

Where can I find the complete Fino Payments Bank Q2 Results FY27 data?

Ans. The complete Fino Payments Bank Q2 Results FY27 data sits in the Financial Highlights table, while the Univest Screener lets users follow later filings for Fino Payments Bank alongside the same standalone figures.