Fino Paytech’s Financials, Revenue, Profit, Valuation & Shareholding Overview (2025)

Fino Paytech, founded by Manish Khera, is a prominent fintech solutions provider in India focused on financial inclusion and payment technology services. Established to bridge the gap between traditional banking and underserved segments, Fino offers a range of banking, remittance, and payment services. The company operates an extensive agent network, enabling last-mile access to financial products, and has steadily expanded its footprint to empower millions of customers across urban and rural India.

Fino Paytech’s revenue grew from ₹870 Cr in FY22 to ₹1,200 Cr projected in FY24, driven by higher transaction volumes and new service offerings. Profit margins have steadily improved, with net profit rising from ₹15 Cr to ₹45 Cr, showcasing operational efficiency and growing financial inclusion impact.

While expenses grew to support business expansion, revenue growth outpaced costs, leading to healthier margins. Expense optimization and agent network scaling contributed to this positive trend.

Employee strength increased from ~5,000 in FY22 to ~5,500 projected in FY24, supporting the expanding distribution network and technology teams, reflecting Fino’s commitment to deepening market presence.

• Expanding agent and merchant network across Tier-3 and rural areas.
• Investing in digital banking solutions and micro-loan services.
• Strengthening partnerships with government and institutional programs.
• IPO plans under consideration as profitability and scale continue to improve.

Fino Paytech recently expanded its partnerships with major banks to improve micro-ATM penetration and launched new insurance products targeting rural consumers. The company’s profitability trend and strong financial inclusion initiatives continue to attract investor interest.

Fino Paytech’s robust growth, improving margins, and nationwide expansion underline its strength in driving financial inclusion. With increasing transaction volumes and innovative product launches, it stands poised for future growth and potential listing. Make smarter business decisions with verified insights on companies and directors. Visit Affluense.ai to learn more.

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