About us

Fino Payments Bank is the Digital Banking Partner for millions of hardworking Indians. Hamesha.

We understand consumers and their needs from a bank and it is our continuous endeavor to provide them with an unmatched banking experience, through our simple products & services that can easily be accessed anytime, anywhere. Hamesha

We are present in 90% of India’s districts with over 724671 banking outlets, 54 Bank Branches and 130 Customer Service Points.

Fino Payments Bank was incorporated on 4th April 2017 . Invested in by ICICI Bank, BPCL, Blackstone, IFC Fino Payments Bank has an enviable financial and distribution track record. This powerful network registers impressive growth numbers every year!

We operate an asset light business model where each Banking Outlet (merchant) serves the banking and financial needs of its community, which in turn forms the backbone of our assisted-digital ecosystem, referred to as our “phygital” delivery model (i.e., a combination of physical and digital).

The merchant’s use of technology and our use of analytics on the data that we track enhances the merchant’s ability to offer the right products to consumers, thereby increasing his status in the local market. He now has the stature of a ‘ banker’ . Hamesha

Through the “phygital” delivery model our merchants on-board customers and facilitate transactions, ensuring our network grows and our products and services are more accessible to a broader range of consumers throughout India, making us the truly Local National Bank. Hamesha

our legacy

our Philosophy


To catalyze nation building by making every citizen financially secure.


To become the preferred bank for our customers by providing the simplest and most accessible financial services to grow their wealth.


  • Courage

    We believe, we challenge, and we act.

  • Empathy

    We understand and care about people’s needs.

  • Frugal

    We do more with less.

  • Reliability

    We keep the promises we make, and we are here to stay.


Rishi Gupta

Managing Director and Chief Executive Officer

In July 2017, we had announced the launch of Fino Payments Bank. As innovative business models around fintech open up opportunities, Fino aims to play a significant role in not only taking digital banking to the masses but also manage cash efficiently.

These are still early days for payments banks. We at Fino Payments Bank are willing to be patient and at the same time are battle-ready to meet the expectations of all our stakeholders – especially customers, employees, investors.

We believe, as formal banking expands reach, there will be demand for a variety of financial services, especially beyond metros – what we call Bharat or emerging India. Our focus is on bridging the banking gap between India and Bharat.

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Rishi Gupta

Managing Director and Chief Executive Officer

Ketan Merchant


Ashish Ahuja


Anand Bhatia

Chief Marketing Officer

Bharat Bhanushali

EVP & Head - Business Technology

Shailesh Pandey

Chief Sales & Distribution Head - Central, West and South Zone

Amit Kumar Jain

Head Business Alliances

Vinod Kumar

Chief Information Officer

Pratima Pinto Thomas


Basavraj Loni

Company Secretary & Head Legal

Suresh Kumar Jain

Independent Director

Rajat Kumar Jain

Independent Director

Deena Mehta

Independent Director

Prakash Iyer

Independent Director

Rakesh Bhartia

Independent Director

Avijit Saha

Nominee Director

P S Ravi

Nominee Director

Rishi Gupta

Managing Director and Chief Executive Officer


Fino Payments Bank is a fully owned subsidiary of Fino Paytech Ltd.

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