Date: June 8, 2026

Business Performance Highlights

Deposit Accounts Performance

  • Accounts Opened: 293,600 in May 2026 vs 227,244 in May 2025 (29% YoY increase)
  • Renewal Income: ₹18.9 crore in May 2026 vs ₹18.7 crore in May 2025 (1% YoY increase)
  • Average Total Deposits: ₹2,762 crore in May 2026 vs ₹2,509 crore in May 2025 (10% YoY increase)
  • Digitally Active Customers: 62.6 lakh in May 2026 vs 52.4 lakh in May 2025 (19% YoY increase)
  • FinoPay Active Customers: 7.2 lakh in May 2026 vs 5.9 lakh in May 2025 (22% YoY increase)

Transaction Business

  • Throughput: ₹2,546 crore in May 2026 vs ₹4,863 crore in May 2025 (48% YoY decrease)

The moderation in throughput is attributed to the overall ecosystem shift from cash to UPI and a focus on higher-quality, more transacting merchants.

Digital Payments Services

  • B2B Digital Throughput: ₹0 crore in May 2026 vs ₹3,527 crore in May 2025 (100% YoY decrease)

The Bank is reassessing key product features alongside a broader strategic risk recalibration of this segment.

Loan Referral Business

  • Disbursals: ₹210 crore in May 2026 vs ₹73 crore in May 2025 (186% YoY increase)

The Bank continues to focus on sourcing secured loan assets for its referral business, supporting its long-term vision for a differentiated Small Finance Bank.

SFB Implementation Progress

  • The Bank has entered into a strategic partnership with Ezee.ai to build a lending ecosystem
  • This represents a major step towards the SFB transition backed by a Finacle-based core banking and lending management system
  • The Bank is strengthening its merchant network while augmenting technology and resources on a steady basis

Outlook

  • The Bank remains focused on ownership business, deposit mobilisation, and customer acquisition through physical and digital platforms
  • Focus areas include improving digital engagement and enhancing customer experience
  • The SFB implementation journey is on track with complementary technology, infrastructure and resource augmentation
  • The Bank continues building a differentiated and scalable banking franchise supported by Pan India distribution network, technology-led customer engagement, and disciplined risk management

Disclosure Notes

  • The information is based on provisional and unaudited numbers
  • Disclosure made in accordance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information
  • Also made available on the Bank's website at www.fino.bank.in