Updates

September 07, 2026 BSE Limited National Stock Exchange of India Limited P.J. Towers, Exchange Plaza, 5th Floor, Plot No. C/1, G Dalal Street, Block, Bandra - Kurla Complex, Mumbai- 400 001 Bandra (E), Mumbai - 400 051 Scrip Code: 543386 Symbol: FINOPB Dear Sir/ Madam, Sub: Business Responsibility and Sustainability Report for the FY2025-26 Ref: Regulation 34 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 Pursuant to the Regulation 34(2) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, the Business Responsibility and Sustainability Report (“BRSR”) of Fino Payments Bank Limited (“Bank”) forming part of Annual Report for the FY2025-26, is attached herewith. The same shall be available on the website of the Bank at www.fino.bank.in and also on the websites of the Stock Exchanges viz. BSE Limited at www.bseindia.com, National Stock Exchange of India Limited at www.nseindia.com and on the website of the e-voting service provider engaged by the Bank viz. National Securities Depository Limited at www.evoting.nsdl.com. Kindly take the same on record. Yours faithfully, For Fino Payments Bank Limited Basavraj Loni Company Secretary & Compliance Officer Place: Navi Mumbai Encl.: As above Fino Payments Bank Limited Registered Office: Mindspace Juinagar, Plot No Gen 2/1/F, Tower 1, 8th Floor, TTC Industrial Area, MIDC Shirwane, Juinagar, Navi Mumbai - 400 706 | CIN: L65100MH2007PLC171959 I Tel: (+91 22) 7104 7000, website: www.fino.bank.in, Email: cs@fino.bank.in COMPANY OVERVIEW STATUTORY REPORTS FINANCIAL STATEMENTS Business Responsibility & SustainabilityReport SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1. Corporate Identity Number (CIN) of the Listed Entity ™ L65100MH2007PLC171959 2. Name of the Listed Entity ™ Fino Payments Bank Limited 3. Year of incorporation ™ 23/06/2007 4. Registered office address ™ Mindspace Juinagar, 8th Floor, Plot No. Gen 2/1/F, Tower 1, TTC Industrial Area, MIDC Shirwane, Juinagar, Navi Mumbai Thane Maharashtra-400706 5. Corporate address ™ Mindspace Juinagar, 8th Floor, Plot No. Gen 2/1/F, Tower 1, TTC Industrial Area, MIDC Shirwane, Juinagar, Navi Mumbai Thane Maharashtra-400706 6. E-mail ™ cs@fino.bank.in 7. Telephone ™ +91 22 7104 7000 8. Website ™ https://www.fino.bank.in 9. Financial year for which reporting is being done ™ FY2025-26 10. Name of the Stock Exchange(s) where shares are listed ™ BSE Limited ™ National Stock Exchange of India Limited 11. Paid-up Capital ™ ₹83.22 Cr 12. Name and contact details (telephone, email address) of the person who may be contacted in case of any queries on the BRSR report ™ Name: Mr. Himanshu K Mishra ™ Telephone number: 022 71047009 ™ e-mail ID: himanshu.m@fino.bank.in 13. Reporting boundary - Are the disclosures under this report made on a standalone basis (i.e. only for the entity) or on a consolidated basis (i.e. for the entity and all the entities which form a part of its consolidated financial statements, taken together). ™ All the information is reported on standalone basis. Annual Report 2025-26 1 14. Name of assurance provider: NA 15. Type of assurance obtained: NA II. Products/services 16. Details of business activities (accounting for 90% of the Turnover): Description of Main Activity Description of Business Activity % of Turnover of the entity 1. Financial Services Payments Bank activities 100% 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): Description of Main Activity Description of Business Activity % of Turnover of the entity 1 Savings Account, Money transfer, CMS, 64191 100% BC Banking and Insurance III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of plants Number of offices Total National NA 126 126 International NA NA NA 19. Markets served by the entity: a) Number of locations Location Number National (No. of States) All states and UTs in India International (No. of Countries) NA b) What is the contribution of exports as a percentage of the total turnover of the entity? NA c) A brief on types of customers ™ Fino Payments Bank offers services to both retail as well as corporate customers. For retail customers, who are largely rural based, the Bank offers savings accounts, current accounts, mobile Banking, remittance, bill payments and third- party offerings such as insurance, and referral loans. For corporate clients across multiple sectors such as NBFC, MFI, Logistics, Edtech, eCommerce etc. the Bank offers cash management services. V. Employees 20. Details as at the end of Financial Year FY26: a. Employees and workers (including differently abled): S. Total Male Female Particulars No. (A) No. (B) % (B/A) No. (C) % (C/A) EMPLOYEES 1. Permanent (D) 2,848 2,576 91.0% 272 9% 2. Other than Permanent (E) NA NA NA NA NA 3. Total Employees (D+E) 2,848 2,576 91.0% 272 9% WORKERS* 4. Permanent (F) NA NA NA NA NA 5. Other than Permanent (G) NA NA NA NA NA 6. Total Employees (F+G) NA NA NA NA NA * The entire workforce of the Company is categorized as ‘Permanent Employees’. Therefore, disclosures under ‘Other than Permanent Employees’ and ‘Workers’ category is not applicable. 2 Fino Payments Bank COMPANY OVERVIEW STATUTORY REPORTS FINANCIAL STATEMENTS b) Differently abled Employees and workers: S. Total Male Female Particulars No. (A) No. (B) % (B/A) No. (C) % (C/A) DIFFERENTLY ABLED EMPLOYEES 1. Permanent (D) 0 0 0 0 0 2. Other than Permanent (E) 0 0 0 0 0 3. Total differently abled employees (D + E) 0 0 0 0 0 DIFFERENTLY ABLED WORKERS 4. Permanent (F) NA NA NA NA NA 5. Other than Permanent (G) NA NA NA NA NA 6. Total differently abled workers (F + G) NA NA NA NA NA 21. Participation / Inclusion / Representation of women Total (A) No. and percentage of Females No. (B) % (B/A) Board of Directors 8 3 37.5% Key Management Personnel 4 0 0 22. Turnover rate for permanent employees and workers FY2025-26 FY2024-25 FY2023-24 (Turnover rate in current FY) (Turnover rate in (Turnover rate in the year previous FY) prior to the previous FY) Male Female Total Male Female Total Male Female Total Permanent Employees 48% 30% 47% 53% 34% 46% 62% 32% 60% Permanent Workers NA NA NA NA NA NA NA NA NA V. Holding, Subsidiary and Associate Companies (including joint ventures) 23. (a) Names of holding / subsidiary / associate companies / joint ventures Does the entity indicated at column Name of the holding / Indicate whether holding/ S. % of shares held A, participate in the Business subsidiary / associate Subsidiary/ Associate/ No. by listed entity Responsibility initiatives of the listed companies / joint ventures (A) Joint Venture entity? (Yes/No) 1. Fino PayTech Limited (FPL) Holding company FPL holds 75% No stake in the Bank VI. CSR Details 24. (i) Whether CSR is applicable as per section 135 of Companies Act, 2013: Yes (ii) Turnover (in ₹): 1587.9 Crore (Turnover represents Total Income) (iii) Net worth (in ₹): 805.21 Crore Annual Report 2025-26 3 VII. Transparency and Disclosures Compliances 25. Complaints/Grievances on any of the principles (Principles 1 to 9) under the National Guidelines on Responsible Business Conduct: Grievance Redressal Mechanism FY2025-26 FY2024-25 in Place (Yes/No) Current Financial Year Previous Financial Year Stakeholder group from Number of Number of Remarks Number of Number of Remarks whom complaints complaints complaints complaints complaint is (If yes, then provide web- link filed during pending filed during pending received for grievance redress policy) the year resolution the year resolution at close of at close of the year the year Communities Yes. 0 0 - 0 0 - (https://www.fino.bank. in/files/fino/media/post_ attachments/sites/default/ files/uploads/pages/corporate- governance/1700629946_ VigilanceandWhistleBlowerPolicy. pdf) Investors Yes. The Investors can approach 0 0 - 0 0 - (other than the Regist [Showing first 8,000 characters — download PDF for full document]