Finkurve Financial Services Limited has informed the Exchange about Transcript

Finkurve Financial Services reported strong Q4 and FY26 results, with AUM crossing INR 1,096 crore — a 149% YoY growth from INR 439 crore. Branch network expanded from 73 to 105. Total quarterly income grew 71% to INR 69 crore and PAT grew 105% YoY. Asset quality was excellent with gross NPA at 0.13% and net NPA at 0.09%. Capital adequacy stood at 30.96% with debt-to-equity at 2.42x. Key milestones included: transition to middle-layer NBFC, rating upgrade to BBB+ from CARE and Infomerics, and a co-lending partnership with Godrej (INR 21 crore AUM already built). The company also launched the Arvog Wellness cross-sell program with 150+ policies issued. Management guided for 40-50% annual branch expansion (targeting ~150-160 branches) and aims for INR 5,000 crore AUM by FY2029 with ROE of 17-18% and ROA of 3.5-4% over a 3-5 year horizon. Average cost of funds is around 11.2%, and the company targets 20% of AUM via co-lending.