Fino Payments Bank Limited — Investor Meet, 04-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Fino Payments Bank reported a challenging Q4 FY'26 with revenue down 31% YoY, yet saw margin expansion (250 bps QoQ). The bank demonstrated resilience with record deposits (₹2,957 Cr) and Q4 renewal income (₹62.2 Cr), adding 3.2 lakh new CASA accounts in March—a three-year high. Key operational milestones included completing the Finacle core banking system migration and advancing SFB transition efforts. Management emphasized building a differentiated, asset-light SFB, aiming for 20% ROE by FY'30, leveraging its cost-of-funds advantage and merchant network. Digital payments are paused for review. The focus for FY'27 remains on CASA growth, AEPS, and CMS, signaling a commitment to sustainable, compliance-driven value creation.