Get one of the IPO, Fino Paytech IPO

1. Contact Us Fino Paytech Ltd PLACE ORDER Fino Paytech Share Discover and get a complete analysis on Fino Paytech IPO unlisted shares - Management, Business Model, Financials, Growth, Valuations, Funding Rounds, News and latest updates on Fino Paytech Share Price ISIN INE511I01011 Face Value ₹10.00 Total Share 12,81,92,630 Profit A몭 er Tax -₹5,040.18 L Total Income ₹86,037.22 L EPS -₹3.94 P/E -114.21 P/B 23.03 Market Capitalisation ₹5,768.67 Cr Book Value ₹19.54 Intrinsic Value ₹958.07 Earnings Yield -0.88 % Sector Financials Sub-sector Payment Infrastructure Category Upcoming IPO Cashflow - Operations ₹44,291.59 L Cashflow - Financing -₹7,664.03 L Fino Paytech Growth

2. Portfolio Basket Watchlist More Pro Only Compounded Sales Growth 0.87% 1Year 25.37% 2Year 31.67% 3Year Pro Only Return On Equity -8.28% 2Year -22.72% 3Year -25.96% 1 Year About Fino Paytech FINO PayTech Limited ("Fino")o몭 ers designing and implementing technology solutions for banks, micro finance institutions (MFIs), insurance companies, government entities, and consultants in India. Its products include FINO Tijori, a biometric smart card based no frills saving account product that enables banks/MFIs too몭 er financial products, such as loans, remittance, and insurance to their customers by issuing multi-application smart cards; FINOSaral, an end-to-end loan management solution that enables each branch of the bank/MFI to reach out to a large number of loan applicants and process the loan applications; and FINO Tatkaal, which provides a technology platform and processing capabilities for remittance transaction. The company alsoo몭 ers credit scoring, third partyverification and risk management, core banking ASP, and business correspondent services, as well as an electronic banking technology payment platform. Fino has tie-up with commercials banks to sell their financial products like mutual fund, insurance, to get other income. Fino Paytech has developed applications to acquire micro-customer and prepares biometric products for enrollment, storage, verification. The company also takes care of day-to-day management of operations. Founded on July 13, 2006, is headquartered at Mumbai, Fino Paytech is an institutional investor-driven company owned by international and Indian investors. Founder Mr. Khera has been honored and recognized as “Young Global Leader of 2011” by world Economic Forum and he has received praise for his role as one of the thought leaders in the financial inclusion and microfinance space in India. Fino Paytech IPO Details Fino Paytech has filed the dra몭 red herring prospectus (DHRP) with the market regulator Sebifor an initial public o몭 ering on 30th July,2021. Fino Paytech Pre IPO is waiting to come out with its IPO andit is expected to come out in 2021. You can track the Fino Paytech Share Price on this website, where it is updated regularly. 29 Oct Open Date

3. 29 Oct 2021 at 2 Nov Closed Date 2 Nov 2021 at Fino Paytech O몭er for Sale Fino Paytech Fresh Issue ₹ 300.00 Cr Fino Paytech Total IPO Size ₹1300 Cr Fino Paytech Price Brand ₹ 560 - ₹ 577 Fino Paytech Min Order Qty 25 Shares Fino Paytech Grey Market Premium ₹ 48 - ₹ 50 ₹ 1000.00 Cr Fino Paytech Non- Institutional Subscription Status 0.10x Fino Paytech Retail Subscription Status 4.91x Fino Paytech Subscription statest (5.01x) Fino Paytech Funding Fino Paytech Merger & Acquisition Merger Fino Paytech Subsidiaries Fino Paytech Business Model a.Fino Finance Private Limited (Formerly Intrepid Finance and Leasing Private Limited) is a non-deposit taking NBFC-MFI registered with the RBI. They provide customer-centric financial services, mainly in the form of micro-credit, to the under-served and un- served women population and MSMEs of the country. b.FINO Payments Bank Limited is an instant interbank electronic fund transfer service, which can be accessed from Mobile Banking a.FINO Finance Private Limited b.FINO Payments Bank Limited c.FINO Financial Services Pvt. Ltd. d.FINO Trusteeship Services Ltd(Associate Company)

4. or Net Banking. As a FINO Bank customer you can send money instantly to anyone in any participating bank (including another FINO Bank customer). c. FINO FINANCIAL LIMITED is a private limited company based in Mumbai, India. The company is registered at Registrar of Companies, Mumbai (RoC- Mumbai) and is classified as the Indian Non- Government Company. d.Fino Trusteeship Services Limited was incorporated on 14 May, 2009. Fino Trusteeship Services Limited is primarily engaged in providing trusteeship services. Fino Trusteeship Services Limited currently acts as a trustee for Fino ESOP Trust and Fino Fintech Foundation Trust. SERVICES PRIVATE Fino Paytech Revenue Segmentation Corporate Lending Retail Others Other income Fino Paytech Product & Services Fino Paytech Assets Services: Consultancy Services Financial Tangible Assets: Plant and Machinery - 3,218.60 lacs Literacy Computer hardware- 1,612.06 lacs Business Correspondents Services

5. Intangible Assets: Hardware Solutions: Computer So몭 ware-1,124.33lacs Biometric Smart cards Backend Switches Micro deposit machines Operations Solutions: Field force monitoring System Transaction processing system Applications service provider Solutions Customer Enrollment solutions: Its customer acquisition System allows banking services at customer doorstep which is quick and simple for customer. Mobile kit-based enrolment system Card Personalization Bureau. Fino Paytech Industry Overview Industry Statistics The companies which provide product mix of financial products or services are termed as Banking, Financial services and Insurance (BFSI).Their services include core banking, retail, private, corporate, investment, credit /debit cards and also stock-broking, payment gateways, mutual funds, insurance covers etc. India, as a business destination, fosters all the positive for the BFSI sector to flourish at an appreciable pace. Inter – dependent factors of government policy, active public/private involvement, robust regulatory measures, and technological evolution have spurred the BFSI sector to register strong numbers in recent years. BFSI sector in India is valued at ₹ 81 trillion. The exponential growth of the digital payment sector is driven by multiple factors . The convenience topay along with the availabilityoflucrative o몭 ers, are two keyfactors that have been driving the growth of digital payments in India. The advent of next-generation payment systems like payment banks, digital wallets and BharatQR, is fueling digital payments furthermore. Another key driver of digital payments is positive policy framework changes and government initiatives like launch of new payments systems like - UPI, Aadhar linked electronic payments and improvement of the digital infrastructure.

6. Future Prospects India is expected to be the fourth largest private wealth market globally by 2028. BFSI sector in India is valued at Rs.81 trillion andis likely tobecome fi몭 h largest in the worldbyyear 2020 and third largest by year 2025. Government Initiatives In August 2021, Prime Minister Mr. Narendra Modi launched e-RUPI, a person and purpose-specific digital payment solution. e-RUPI is a QR code or SMS string-based e-voucher that is sent to the beneficiary’s cell phone. Users of this one-time payment mechanism will be able to redeem the voucher at the service provider without the usage of a card, digital payments app, or internet banking access. Ministry of Electronics & Information Technology (MeitY) has been entrusted with the responsibility of leading this initiative on “Promotion of Digital Transactions including Digital Payments”. Training and workshops on digital payments awareness with several Ministries have been conducted and planned ; MoRTH, MoHFW, Ministry of Agriculture, MSME, Department of Post, Ministry of Power, Panchayti Raj, Ministry of Defense. Promotional materials on publicity of digital payments including IEC materials is being shared with stakeholders to create awareness and sensitization. Digital Payment dash board has been created to track and monitor the progress of digital transactions achieved by Banks. Promotion and awareness approach framework on digital payments has been shared with Banks. Fino Paytech Awards & Achievements Fino Payments Bank has received the award for outstanding performance in digital payments for FY 18-19 from Meity. Ranked 1st in digital transaction scorecard for the month of June ’19 amongst all banks Best Emerging Payment Bank of the Year – ETBFSI Excellence Awards 2019 Fino Paytech’s Aadhar based project won the Order of merit awards as one of the Top 100 Projects in India at the Skoch New Economy Awards, 2016. MD and CEO Rishi Gupta was awarded this title in ‘Winning Edge’ in the raising capital/Fund management category in year 2013. Fino Paytech Strengths Fino Paytech Shortcomings The company has managed to maintain its Due to the net loss in FY'21 being higher revenue at par in FY21 compared to than FY'20, the company's retained earnings

7. previous year, despite the impact of the have become further negative. This has covid-19 pandemic. decreased the total equity of the company The company's has decreased its long term which can harm the company's growth. The company's current ratio has decreased borrowings which is attributable to dilution of unsecured non-convertible debentures due to the total current liabilities increasing from INR 4,471 lacs in 2020 to INR 1,989 lacs in massively as a result of the large increase in 2021. deposits from customers and payables on account of BC business. This is expected to The company has developed a unique unfavorably a몭 ect the short term liquidityo f customer enrollment system which uses minimal technology and allows the the company. underserved and unbanked population to gain an access to banking and holds a dominant position in that segment. Fino Paytech Opportunities Fino Paytech Threats The company deals in enrollment solutions Even though the company is an innovator in which helps them to capture the micro technology solutions, lately they have not consumers. According to a findex report, come up with new products or services there is approximately 190 million which might harm their business in the long unbanked population in India living in rural run. settlements with no means or access to The company is mainly focusing on their banking which can still be captured. The retail segment which includes sales of cards company needs to work on newer and more and devices, due to which other segments innovative methods to provide access to like enrollment and operations solutions are banking in such uncaptured markets not able to grow. This lack of diversification is may hinder company's growth. The competitors of the company also pose a major threat to the business. Fino Paytech Rating RECOMMENDATION Buy

8. Fino Paytech Detail Info Industry Statistics PUBLIC LIMITED Registered In India Planify Ticker FINO Reg O몭ice:SKElite,5th Floor,Plot NoD-404 andD-405, TTCIndustrialArea, MIDC Turbhe, Navi Mumbai- 400705 Website: https://www.finopaytech.com/ Licensed By Team About Us Channel Partner Contact Us Careers Sitemap Pre-IPO Planify Consultancy India Pvt. Ltd Planify Capital India Pvt. Ltd SEBI Registration - NSE:AP2815021843(CM Segment), AP2815021843(FO Segment), MCX:AP144517 Mutual Fund License No. ARN-164419 , IRDA Code: ABLIC1003123454, ABLIC1003131639 90b, Delhi - Jaipur Expy 90b, Delhi - Jaipur Expy, Sector 18, Gurugram, Haryana 122008, India

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