Fino Payments Bank Q4FY26: Deposits Hit ₹2,950 Cr, Renewal Income ₹62.2 Cr
Fino Payments Bank reported Q4FY26 provisional results. Deposits reached ₹2,950+ crore, a record high. Renewal income was ₹62.2 crore. Approximately 7 lakh new accounts were opened, expanding the customer base to ~1.75 crore. Loan referral disbursements were ₹600 crore.
The announcement provides key financial highlights and business performance metrics for the quarter, including record deposit growth and renewal income, which are material. However, declines in transaction and digital services temper the positive outlook, suggesting a moderate impact on investor sentiment.
While the bank achieved record highs in deposits and renewal income, and showed strong growth in loan referrals, there were significant declines in transaction and digital payment services. The overall performance shows mixed results with areas of concern needing future recovery.
Fino Payments Bank Limited has announced its provisional unaudited business performance for the fourth quarter of FY26 (ending March 31, 2026). The bank opened approximately 7 lakh new bank accounts in Q4FY26, bringing its total customer base to around 1.75 crore. The renewal income for the quarter reached an all-time high of ₹62.2 crore.
Deposits saw a significant increase, peaking at over ₹2,950 crore in March 2026, marking another all-time high. The loan referral business demonstrated strong momentum, with a 96% growth over Q3FY26, and disbursements reached approximately ₹600 crore through partner institutions.
However, the transaction business, including remittance, micro ATM, and AePS, declined by about 30% compared to Q3FY26, attributed to muted performance in January and February 2026, though a recovery was observed in March 2026. Digital payment services also moderated by approximately 25% versus Q3FY26, in line with a risk-calibrated approach and recent developments, with recovery expected in the coming quarters.
The bank remains focused on strengthening core liabilities, improving business quality, and building scalable growth drivers, including progressing on its Small Finance Bank (SFB) implementation journey. The information is provisional and subject to review by the Audit Committee, Board of Directors, and Statutory Auditors.
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