Fino Payments Bank Ltd is a specialized payments bank based in India, established to enhance financial accessibility through a hybrid "phygital" model that combines physical and digital services. Founded in 2007 and transitioning to a payments bank in 2017, it operates as a subsidiary of Fino PayTech Limited and is headquartered in Navi Mumbai. The bank focuses on serving underserved communities, with a vast network that includes over 724,000 banking outlets, 54 branches, and 130 customer service points across 90% of India's districts. Fino Payments Bank offers a range of services, including savings and current accounts, fixed deposits, domestic money transfers, bill payments, and insurance products. Its merchant-driven operational model allows local merchants to provide assisted-digital services, making banking more accessible to rural and low-income populations. The bank is supported by notable investors and is recognized for its commitment to financial inclusion.