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Industry
Sectors

Our Services

At Fino, we cater to a diverse range of industries, providing customized financial solutions that enhance efficiency, drive growth, and ensure seamless digital transactions. Our deep industry expertise and cutting-edge technology enable businesses to stay ahead in a rapidly evolving financial landscape.

Proven expertise

Fino Paytech has established a robust, trusted, and secure branchless banking channel to assist clients who offer financial products and services to unbanked customers across geographies.

For our banking clients, we offer a channel combined with technology platform that enables quick acquisition and servicing of customers at any point in time. While offering value to customers, this also gives banks an opportunity to reach out to a larger population.

Banking

For our banking clients, we offer a channel combined with technology platform that enables quick acquisition and servicing of customers at any point in time

Government

Our solutions help governments and public institutions enhance transparency, efficiency, and service delivery

Insurance

Our solutions help governments and public institutions enhance transparency, efficiency, and service delivery

Technology

Hub IT allows your business and technology computers to store, transmit, analyze, and manipulate big data.

JLG Loans

MicroFinance Loans

Joint Liability Group (JLG) is a lending model that enables a group of individuals (usually five) to take loans for income generating activity by forming a group, wherein group members guarantee each others’ loans. FINO has been doing JLG lending on behalf of various banking partners and on it own books since 2008.

FINO’s solution provides a platform to source and service customers for group-based microfinance lending. It also offers a unique value proposition to our clients and their customers through a secure lending mechanism.


The unique differentiation comes from our technology leveraged processes which significantly cut down on cost and manual errors, and at the same time lessens the requirements for physical documents. FINO’s technology effectively works in varied environments to capture information and acquire customers at the convenience of their doorstep. Fino Paytech works on two models:

Own NBFC-MFI: Intrepid Finance and Leasing Pvt. Ltd.

Business Correspondence to various Bank and Other institutions

Recurring Deposits

Recurring deposits are an ideal way to invest small amounts of money every month and end up with a large kitty on maturity. Fino Paytech is the first and only entity to provide recurring deposit for micro customers, which becomes a committed savings product for this customer segment. Micro recurring deposit is a useful product that is designed to inculcate the habit of regular savings

The micro recurring deposit is designed specifically to cater to the demands of the micro customer. Fino Paytech offers this service through banks at a very low cost. While the customer gets a committed savings product through a formal banking channel, banks are able to generate a substantial deposit amount from this product.

Remittance

Money Transfer made easier, faster, safer, and hassle-free

The increased migration of people to urban areas in search of livelihood creates the need for easy access to banking services, especially money transfer. According to some studies, the domestic remittance market is estimated at around Rs. 1.2 lakh crores, of which, only around 30% of domestic remittances are routed via formal channels. Majority of the migrant population uses expensive and unsecured informal channels for their money transfer activities.

Fino Paytech's innovative online payment solutions and extensive reach offers customers a safe, reliable and quick means to transfer money back home, while giving banks the opportunity to tap the huge 70% money transfer market that is currently served by informal players.


We provide a fast, reliable and convenient platform to transfer money domestically from the remitter to the beneficiary via Intra-bank (home bank), Inter-bank (NEFT), and the IMPS facility.

Salient Features

Our experts create personalized health plans tailored to each individual's unique health needs.

Customers can remit funds to a wide array of banks/locations across the country through real time remittance via intra-bank transfer and the IMPS facility

Customers get access to more affordable and cost-effective services compared to other available money transfer alternatives

Customers' money is safe during transit, thanks to the highly secure process with multiple authentication levels

Walk-in remittance facility is convenient for those who do not have a bank account

Location and time convenience lead to cost saving for customers as they remit from merchant points

Customers have the option of opening a savings bank account with a biometric smart card

Our remittance services are available at key corridors across the country and we are penetrating further in association with our partner banks.

We are keen to partner with stakeholders who are interested in providing remittance services across the country.


Going forward, we would also like to explore international remittances.

Savings

Empowering millions through access to financial services
Savings (Recurring Deposit/Fixed Deposit)

As per some studies, almost 50% of the Indian adult population does not have access to formal banking services. This is a worrying statistic because access to banking products for the unbanked and the underserved segment improves their quality of life. A basic savings account that allows deposit and withdrawal transactions is the first step towards financial empowerment.

Offering customised, affordable and relevant micro products is the key to achieving meaningful financial inclusion (FI). FINO works with its partner banks in their FI efforts. The key focus of all banks is to drive savings products for an effective per customer portfolio


Fino Paytech provides banks a branchless avenue of offering banking products to customers. Our innovative technology solutions combined with a last mile distribution network ensures cost-effective delivery of financial services in a safe and convenient manner.


We work with multiple banks and service over 28 million active customers spread across the remotest corners of the country. Along with offering basic savings deposit accounts, FINO also offers Fixed deposit (FD) and Recurring deposit (RD) products, tailor-made for the smart card-holding customer base.


Fino Paytech's customised FD and RD products allow customers to enhance their asset base and save wisely for future financial needs.

Salient Features

Customer acquisition for partner banks – opening bank accounts and providing bio metric smart cards

Servicing customers on behalf of banks by offering savings, deposit, withdrawal, FD and RD through 30,000 transaction points

Transactional security offered by biometric authentication

FD and RD products have been rolled out across pan India. Customised FD and RD applications support a range of savings deposits as per the partner banks requirement

Interest rates in line with regular FD and RD products of banks

Option for pre-closure, part closure (in case of FD) and pre-closure (in case of RD) in emergency cases

Capability to rapidly roll out FD and RD products for any bank in minimum time