Fincare Small Finance Bank Limited

Fincare Small Finance Bank Limited

Bank - Private Unlisted Active
INE519Q08079 Est. 2017 Website
Current Price 24 Aug 2026
₹260.00

Min lot: 100 shares

Market Cap ₹5,616 Cr
P/E Ratio 631.0x
EPS ₹0.41
Face Value ₹10.00
Book Value ₹55.64
P/B Ratio 4.67x
Min Lot 100 sh.
Total Debt ₹2,944 Cr

Price Trend

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Prices shown are indicative unlisted-market bid prices, updated periodically.

About Fincare Small Finance Bank Limited

Fincare started taking deposits in May 2017, though the business is older than that. It was an NBFC-MFI called Disha Microfin Limited first. It bought the microfinance operations of Future Financial Services Pvt. Ltd, and the Fincare name arrived once the RBI granted in principle approval for a small finance bank.
The bank runs across treasury, corporate banking, wholesale banking and retail. On the deposit side there are savings and current accounts, fixed and recurring deposits, retail term deposits, NRI services, and banking over WhatsApp, mobile and internet. On the lending side, micro loans, housing, two wheeler finance, loans against property and gold, and institutional finance.
The customers are the ones banks have historically walked past. Unbanked and under banked households, mostly rural and semi urban, reached with technology because branches alone were never going to cover that ground.
The footprint is the striking part. 528 banking outlets, 219 business correspondent outlets and 108 ATMs, spread across 16 states, 192 districts and 38,809 villages.

Financial Highlights

All figures are in Crores (₹)

FY18FY19FY20FY21FY22 YOY %CAGR %
Net Sales314.0605.21,0701,2511,446+15.6%+46.5%
Other Income36.569.7145.5125.7201.8+60.5%+53.3%
Total Income350.5674.91,2161,3771,648+19.7%+47.2%
Operating Profit21.4331.1595.0363.4431.1+18.6%+111.9%
Interest118.9229.1451.5550.1569.8+3.6%+48.0%
Depreciation0.000.000.000.000.00
Total Expenditure448.0572.91,0721,0131,217+20.1%+28.4%
Exceptional Income0.000.000.000.000.00
PBT-97.6102.0143.5146.45.80-96.0%-50.6%
TAX0.000.000.0033.3-3.10-109.3%
PAT-97.6102.0143.5113.18.90-92.1%-45.0%
EPS (₹)₹-4.52₹4.72₹6.64₹5.24₹0.41-92.1%-45.0%
FY18FY19FY20FY21FY22 YOY %CAGR %
Shareholder Funds337.5666.0903.81,0181,202+18.1%+37.4%
Total Debt0.000.000.000.002,944
Current Liabilities3,4504,2115,1805,8406,241+6.9%+16.0%
Non Current Liabilities480.5590.2720.4790.5850.2+7.6%+15.3%
Total Liabilities2,2744,1727,1167,96810,906+36.9%+48.0%
Current Assets1,4801,8202,2412,4502,650+8.2%+15.7%
Non Current Assets4,1214,9505,8416,4206,850+6.7%+13.6%
Total Assets2,2744,1727,1167,96810,906+36.9%+48.0%
FY18FY19FY20FY21FY22 YOY %CAGR %
Cash Flow From Operating Activities185.4225.4270.2295.4320.4+8.5%+14.7%
Cash Flow From Investing Activities-120.4-145.2-175.4-190.2-210.5-10.7%-15.0%
Cash Flow From Financing Activities-65.2-78.4-92.5-102.4-110.2-7.6%-14.0%
Free Cash Flow175.2215.4258.4282.1305.4+8.3%+14.9%
FY18FY19FY20FY21FY22YOY %
ROE(%)-28.9015.3015.9011.100.70-93.7%
ROCE(%)0.907.908.404.604.00-13.0%
ROA(%)-4.302.402.001.400.10-92.9%
Current Ratio(x)0.400.400.400.400.40+0.0%
Debt / Equity(x)0.000.000.000.002.45

No documents available yet.

Net Sales (in Cr.)

Total Income (in Cr.)

Net Profit (in Cr.)

Operating Profit (in Cr.)

Shareholder Funds (in Cr.)

Total Assets (in Cr.)

Operating Cash Flow (in Cr.)

Investing Cash Flow (in Cr.)

Financing Cash Flow (in Cr.)

Free Cash Flow (in Cr.)

Company Information

ISIN INE519Q08079
Industry Bank - Private
Category Pre IPO
Incorporated 2017
Min Lot Size 100 shares
Demat Required Yes
ROFR Applicable No

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