Finkurve Financial Services Limited has informed the Exchange about Investor Presentation
FINKURVE · price
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Finkurve Financial Services (listed on NSE as FINKURVE) is a tech-enabled NBFC that has undergone a complete strategic transformation from corporate lending to retail gold loans, which now represent 95% of its loan book (up from 39%). For Q4 FY26, the company reported AUM of ₹1,096 crore, a massive 149% increase year-over-year, with PAT of ₹8.04 crore (including ₹1.22 crore incremental NBFC-ML provision). For full year FY26, total income grew 49% to ₹210 crore and PAT rose 49% to ₹26 crore. Asset quality has improved significantly with NNPA declining to just 0.09% from 0.65% a year ago. The company has also filed and received approval for DRHP of its associate Augmont Enterprises, advancing toward another listing milestone. Co-lending partnerships with RBL Bank and Godrej Finance are driving capital-efficient growth.
The company has delivered exceptional growth with AUM crossing the ₹1,000 crore milestone (nearly 10x vs FY23) while maintaining strong asset quality. However, yield on gold loans has compressed from 20.1% in Q4 FY25 to 16% in Q4 FY26, reflecting competitive pressures in the gold loan segment. The transition to Middle Layer NBFC status increases provisioning requirements, which investors should factor in.