Net interest income (NII) rose 31.5% to ₹35.2 crore in the March quarter, up from ₹26.8 crore in the corresponding period last year. The bank reported its highest quarterly net revenue margin of 40% in Q4 FY26, supported by a rise in CASA contribution to 45%.
Total revenue for FY26 stood at ₹1,587.9 crore, reflecting a 14% year-on-year decline, while net revenue remained stable at ₹584.4 crore.
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CASA renewal income reached a record ₹62.2 crore in Q4FY26, up 12% year-on-year. Average deposits rose 20% YoY in the quarter to ₹2,535 crore. The bank also reported its highest total deposit balance of ₹2,957 crore on March 14, 2026.
Customer base stood at 1.75 crore, with around 6.9 lakh accounts added during Q4FY26, including approximately 3.2 lakh in March 2026.
Total throughput for Q4FY26 declined 17% year-on-year to ₹1,07,798 crore, while digital throughput fell 13% to ₹65,269 crore.
For FY26, total throughput remained flat at ₹4,64,047 crore, while digital throughput rose 16% to ₹2,62,009 crore. Referral lending showed strong growth, with disbursements of ₹1,285 crore in FY26.
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Q4FY26 referral loan disbursements rose 97% sequentially to ₹592 crore through partner institutions, driven by rural demand and activity through the merchant network.
CBS migration was completed in Q4FY26, marking a system transition aimed at supporting future growth.
Ketan Merchant, Interim CEO, said, “The fundamental resilience in the bank’s performance is a direct reflection of the robustness of its institutional architecture and a bedrock of customer confidence in us. This is evident in the fact that our total deposits reached an all-time high of ₹2,957 crore in March ’26, a testimony to the trust our customers place in us, even in challenging times.”
Shares of FINO Payments Bank Ltd ended at ₹134.70, up by ₹0.70, or 0.52%, on the BSE today, April 29.
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