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FINO Payments Bank Ltd Share Price Target From 2025 to 2030

FINO Payments Bank Ltd is one of India’s leading payments banks, providing a wide range of banking services like savings accounts, remittances, and digital financial solutions. With a strong presence in rural and semi-urban areas, the bank has been working to bridge the gap in financial inclusion. In this article, we’ll explore FINO Payments Bank’s share price target from 2025 to 2030, along with its current financial details and growth prospects.

Let’s dive into its present share price performance, fundamentals, and year-wise target projections.


FINO Payments Bank Share Price Today (As of August 2025)

Detail Value
Open ₹267.90
Previous Close ₹265.00
Day’s High ₹279.15
Day’s Low ₹261.75
VWAP ₹269.47
52-Week High ₹467.00
52-Week Low ₹200.00
All-Time High ₹582.95
All-Time Low ₹180.20
Market Capitalization ₹2,221 Cr
Beta (Volatility) 1.51
Book Value per Share ₹83.06
Face Value ₹10
Volume 611,747
Value (Lacs) 1,633.06
UC Limit ₹318.00
LC Limit ₹212.00
20D Avg Volume 782,505
20D Avg Delivery (%) 12.72

About FINO Payments Bank Ltd

Founded in 2017, FINO Payments Bank has become a trusted name in India’s digital banking and payments ecosystem. It operates with a business model that focuses on low-cost services and wide outreach, particularly catering to underbanked and unbanked populations.

The bank provides services like digital savings accounts, bill payments, AEPS withdrawals, insurance, and remittance solutions, making it a critical player in India’s financial inclusion mission.

Key Highlights of FINO Payments Bank

  • Strong focus on rural and semi-urban banking penetration

  • Wide agent network across India

  • Rising demand for digital transactions and fintech adoption

  • High Beta value (1.51) indicating volatility and trading opportunities

  • Market capitalization of over ₹2,200 Cr reflects steady growth potential


FINO Payments Bank Shareholding Pattern (June 2025)

Investor Type Holding (%)
Promoters 75.00%
Retail & Others 19.42%
Mutual Funds 2.65%
Foreign Institutions 2.55%
Other Domestic Institutions 0.39%

This shareholding pattern indicates strong promoter confidence while retail investors also hold a significant portion.


FINO Payments Bank Share Price Target 2025 to 2030

Year Minimum Target (₹) Maximum Target (₹)
2025 280 310
2026 320 360
2027 370 420
2028 410 470
2029 460 520
2030 510 580

Year-Wise Analysis & Investment Advice

✅ FINO Payments Bank Share Price Target 2025: ₹280 – ₹310

In 2025, the stock is expected to remain moderately bullish as digital payments continue to rise across India.
Why?

  • Increasing adoption of UPI and digital banking

  • Rising transaction volumes in Tier-2 and Tier-3 cities

  • Retail participation remains strong

Investment Advice: Short-term investors can trade with caution due to volatility, while long-term investors can accumulate gradually.


✅ FINO Payments Bank Share Price Target 2026: ₹320 – ₹360

By 2026, growth in fintech partnerships and rural expansion will drive profitability.
Why?

  • Expanding merchant network

  • Strong financial inclusion push from the government

  • Potential improvement in EPS and margins

Investment Advice: Hold positions and monitor quarterly financials closely.


✅ FINO Payments Bank Share Price Target 2027: ₹370 – ₹420

In 2027, FINO Payments Bank may witness strong momentum due to an increase in digital transactions.
Why?

  • Surge in remittance services and savings accounts

  • Strategic tie-ups with insurance and lending institutions

  • Better market penetration in underserved regions

Investment Advice: Long-term investors can expect steady CAGR returns; reinvest gains for compounding.


✅ FINO Payments Bank Share Price Target 2028: ₹410 – ₹470

The stock may cross the ₹400 mark by 2028.
Why?

  • Increased digital adoption in rural banking

  • Diversification into new financial services

  • Enhanced profitability through cost optimization

Investment Advice: Continue holding for medium- to long-term wealth creation.


✅ FINO Payments Bank Share Price Target 2029: ₹460 – ₹520

FINO is expected to show consistent performance, with strong investor confidence.
Why?

  • Rising fintech collaborations

  • Broader acceptance of payments banks in India

  • Expanding customer base in insurance and savings

Investment Advice: A good stock for portfolio stability; long-term investors can benefit.


✅ FINO Payments Bank Share Price Target 2030: ₹510 – ₹580

By 2030, FINO Payments Bank may reach its previous all-time high.
Why?

  • Increasing demand for digital banking services

  • Strong promoter backing and financial performance

  • High growth potential in India’s financial inclusion sector

Investment Advice: Excellent choice for investors aiming for long-term wealth creation.


Should You Invest in FINO Payments Bank for the Long Term?

Yes. FINO Payments Bank is positioned well for long-term growth due to its digital-first approach, wide agent network, and increasing adoption of financial services in rural India.

Key Reasons to Invest:

  • Strong promoter holding (75%)

  • Growth in India’s digital economy

  • Expanding market share in rural banking

  • Potential to reach all-time highs by 2030

⚠️ Risks to Watch Out For:

  • High stock volatility due to Beta of 1.51

  • Competition from fintech startups and larger banks

  • Regulatory risks in the payments bank segment


Conclusion

FINO Payments Bank Ltd is a fast-growing digital bank catering to India’s financial inclusion mission. With its current price around ₹267.90, analysts believe that the share could potentially touch ₹580 by 2030 if growth remains consistent.

For investors seeking exposure in the digital banking and fintech sector, FINO Payments Bank offers both short-term trading opportunities and long-term wealth creation potential.


Frequently Asked Questions (FAQs) about FINO Payments Bank Ltd

1. What is the share price target for FINO Payments Bank in 2025?
Analysts expect FINO’s stock to trade between ₹280 – ₹310 in 2025.

2. Is FINO Payments Bank a good buy now?
Yes, for long-term investors, it can be a good buy, considering digital growth and strong promoter holding.

3. What is FINO Payments Bank’s 52-week high and low?
The 52-week high is ₹467.00 and the low is ₹200.00.

4. Will FINO Payments Bank reach its all-time high again?
If growth continues, the stock may reach its all-time high of ₹582.95 by 2030.

5. What is the promoter holding in FINO Payments Bank?
Promoters hold 75% of the company’s shares.

Disclaimer: This article is for educational purposes only. Please seek advice from a certified financial advisor before investing.

author

The Tax Heaven

Mr.Vishwas Agarwal✍📊, a seasoned Chartered Accountant 📈💼 and the co-founder & CEO of THE TAX HEAVEN, brings 10 years of expertise in financial management and taxation. Specializing in ITR filing 📑🗃, GST returns 📈💼, and income tax advisory. He offers astute financial guidance and compliance solutions to individuals and businesses alike. Their passion for simplifying complex financial concepts into actionable insights empowers readers with valuable knowledge for informed decision-making. Through insightful blog content, he aims to demystify financial complexities, offering practical advice and tips to navigate the intricate world of finance and taxation.

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