Fino Payments Bank is the Digital Banking Partner for millions of hardworking Indians. Hamesha.

We understand the consumer and their needs from a bank and it is our continuous endeavour to provide the consumer with an unmatched banking experience, through our simple products & services that can easily be accessed anytime, anywhere. Hamesha

We are present in 90% of India’s districts with over 724671 banking outlets, 54 Bank Branches and 130 Customer Service Points.

Fino Payments Bank was incorporated on 4th April 2017 . Invested in by ICICI Bank, BPCL, Blackstone, IFC Fino Payments Bank has an enviable financial and distribution track record. This powerful network registers impressive growth numbers every year! We operate an asset light business model where each Banking Outlet (merchant) serves the banking and financial needs of its community, which in turn forms the backbone of our assisted-digital ecosystem, referred to as our “phygital” delivery model (i.e., a combination of physical and digital)

Steps to complete full KYC

To become a full KYC customer, you need to complete in-person verification in any of the following ways:

1. Aadhaar based KYC at your Nearby KYC Point: 

You can find nearby KYC points by tapping on  on your smartphone or visiting on your browser. You may also tap on the ‘Nearby’ icon on the blue strip at the top of Paytm App Home page. You need to carry your Aadhaar and PAN* for verification. You will need to verify your Aadhaar biometrically.

2. Aadhaar based KYC at your Doorstep:

 This is in pilot phase and has been rolled out to limited users in select locations. In case you are part of the pilot exercise, you will find this option by tapping on Else, you may visit the KYC point nearest to your location.

3. KYC without Aadhaar:

 This facility is available only at select locations as RBI guidelines require verification of original documents to be done only by our employees. You can find the schedule of our employees by 

In addition to Aadhaar & PAN, our representative will also click your picture from our authorized KYC Android app. Some additional details around parent & spouse name, occupation and income are also needed as part of CERSAI and RBI guidelines Currently KYC can be done only for Indian citizens, Indian residents and Tax residents of India and of no other country who are above 18 years of age. We will be enabling KYC for minors & foreign residents soon You can choose to use full KYC for upgrading your Wallet & Opening Savings Account, only upgrading your Wallet or only opening your Savings Account.