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