{"schema":"liquilens.bank-specialisation.v1","slug":"fino-payments-bank","name":"Fino Payments Bank","sector":"pb","as_of":"2026-11-15","status":"observed","scope":"research","score_authority":false,"can_authorize_credit":false,"exclusions":[],"historical_evidence":{"status":"PERIOD_END_PROXY_CONSTRUCTION_PIT","validated_backtest_eligible":false,"real_money_eligible":false,"bitemporal_input_contract":false,"filing_lag_days":60,"availability_time_basis":"explicit publication clock when present; otherwise period_end + 60 days","lead_times_optimistic":true,"reason":"the committed crisis dossiers do not preserve a complete public-availability/revision archive; a conservative filing lag prevents quarter-end lookahead but cannot reconstruct overwritten amendments"},"period_end":"2026-09-30","quarter":"Q2FY27","available_at":"2026-11-10T07:46:03.447170Z","retrieved_at":"2026-11-10T05:57:56Z","publication_date":"2026-10-30","age_days":46,"freshness_limit_days":183,"sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":null,"unit":"percent","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"},"nnpa_pct":{"label":"Net NPA / net advances","value":null,"unit":"percent","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"},"crar_pct":{"label":"Capital adequacy","value":79.89,"unit":"percent","status":"observed","basis":"Basel II standardised approach for credit risk under the payments bank capital directions; the bank adds a market risk capital charge it describes as a conservative approach. The results statement prints the same 79.89%."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":70.94,"unit":"percent","status":"observed","basis":"Printed equal to Tier 1 (row 62); the bank reports no Additional Tier 1 capital."},"tier1_pct":{"label":"Tier 1 capital ratio","value":70.94,"unit":"percent","status":"observed","basis":"Same basis as the total ratio."},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"},"deposits":{"label":"Deposits","value":2299.402,"unit":"INR_crore","status":"observed","basis":"All customer deposits (deposits from banks nil). The audited statement of assets and liabilities prints 2,29,940 (INR lakh). Printed 22,994.02 in INR_million; shown in INR crore by an exact decimal shift."},"advances":{"label":"Reported advances","value":null,"unit":"INR_crore","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR_crore","status":"not_applicable","basis":"Payments banks may not lend: 'A bank shall not lend to any person including its directors.' RBI (Payments Banks - Miscellaneous) Directions, 2025, RBI/DOR/2025-26/221, Reserve Bank of India, website pages"}},"provisional_update":{"status":"unavailable","reason":"No newer provisional business update accepted by this evidence cutoff"},"source_documents":[{"url":"issuer's own published filing","sha256":"05f44e61ad104aa2d5218ec5100fd38a2a4a4d3e30820ec7b3d9a9b96d472c8a"},{"url":"issuer's own published filing","sha256":"c40b715aaa868ee797e1199aa2489540b3eee22b3f4bb2a7e9488397aab84661"},{"url":"issuer's own published filing","sha256":"0ae79d8f7debd08cec0606be12b67846f3b7e038a94c7d4e252107a811b95ae8"}],"changes":{"quarter":{"status":"observed","from_period":"2026-06-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":null,"nnpa_pct":null,"crar_pct":-2.69},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T07:46:03.447170Z"},"year":{"status":"observed","from_period":"2025-09-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":null,"nnpa_pct":null,"crar_pct":2.7},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T07:46:03.447170Z"}},"default_event":null,"interpretation_limits":["A falling NPA percentage does not identify recoveries; loan growth, write-offs and sales can also change it.","GNPA and NNPA use different denominators. Their ratio or difference is not provision coverage.","A zero reported NNPA is not proof of zero credit risk or full deposit safety.","Institution type is the dossier's reporting classification; licence transitions require separate verification."],"next_disclosures":["Deposit concentration and balance stability","Capital and leverage against the licensing minimum","Investment portfolio composition and maturity","Operational and fraud losses"],"comparability_notes":[],"earlier_period_metrics":{"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":0.02,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"The amount printed above it is 0.39 (INR crore) for both years.","sources":["issuer's own published filing","issuer's own published filing"]}},"regulatory_comparison":{"framework":null,"applicable":false,"status":"not_assessed","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":79.89,"entry_at":15.0,"headroom_pp":64.89}],"not_assessed":["supervisory action framework for this institution type"],"note":"No supervisory action framework is encoded for payments banks; headroom is shown against the 15% minimum total capital in RBI's payments bank capital adequacy Directions, 2025","rule_as_of":null,"sources":["Reserve Bank of India, website pages"]},"npa_movement":{"status":"unavailable","reason":"closed NPA movement table not disclosed in the accepted record"},"ontology_id":"inst:in/rbi/fino-payments-bank","rbi_enforcement":{"source":"RBI press releases from 2021-04-01","lookup":"/api/experimental/v1/banking/enforcement?q=inst:in/rbi/fino-payments-bank","status":"recorded","total":1,"by_type":{"monetary_penalty":1},"latest":[{"type":"monetary_penalty","release_date":"2025-06-20","release_number":"2025-2026/574","release_url":"Reserve Bank of India, website pages","name_as_printed":"Fino Payments Bank Limited","order_date":"2025-06-06","penalty_as_printed":"₹29.60 lakh"}]},"peer_context":{"status":"no_peer_group","inst_type":"pb"},"deposit_insurance":{"status":"listed_as_insured","category":"pb","name_as_printed":"FINO PAYMENT BANK LTD","matched_by":"reviewed 11 Nov 2026: DICGC prints Payment for Payments","source":{"publisher":"Deposit Insurance and Credit Guarantee Corporation (DICGC)","title":"List of active insured banks as on 19.10.2026","list_as_on":"2026-10-19","url":"SEBI, IBBI, MCA, DFS, DICGC, CGTMSE, NPCI, GSTN, CERSAI, PMFBY, DES, Grid-India, Bhuvan, IMD","retrieved_utc":"2026-11-11T17:19:32+00:00"},"limit":"Registration with DICGC on the list date; no statement about the bank's condition."},"rate_cards":{"snapshot_utc":"2026-11-12T08:33:00+00:00","publisher":"the bank's own website","td_effective":null,"td_general":{},"td_senior":{},"savings_max":4.5,"mclr_1y":null,"eblr":null,"lookup":"/api/experimental/v1/banking/rate-cards/fino-payments-bank"},"lending_partners":{"snapshot_utc":"2026-11-11T18:13:36+00:00","publisher":"the lender's own website","counts":{"co_lending":0,"digital_lending_app":0,"lending_service_provider":0,"dlg_arrangement":0},"first_names":{},"lookup":"/api/experimental/v1/banking/lending-partners/fino-payments-bank"},"access":{"tier":"anonymous","withheld":[{"depth":"provenance","what":"the source link behind each figure","requires":"paid"}],"how_to_get_access":"Free API keys and paid data plans (priced per buyer): write to mrinal@liquilens.in. Send the key as 'Authorization: Bearer <key>'."}}