Presentation for schedule of Analyst/Institutional Investor meet to be held on September 23, 2025.
FINKURVE · price
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Finkurve Financial Services (brand: Arvog) filed its investor presentation ahead of an analyst/institutional investor meet. The company is a phygital NBFC focused on gold loans, with 83 branches across 4 South Indian states and 70,000+ active customers. FY25 disbursements stood at INR 1,605.55 cr with a total income of INR 141.06 cr (up 56% YoY) and PAT of INR 17.41 cr. Q1 FY26 PAT was INR 5.09 cr (up 16% YoY), Gross AUM at INR 541.78 cr, and asset quality was strong with GNPA at 0.37% and NNPA at 0.17%. Gold loans now make up 91.5% of AUM, with average ticket size of INR 1.31 lakh and disbursal TAT of ~25 minutes. The company set a multi-year target of INR 10,000 cr loan book by FY29 (~INR 2,700 cr off-books). Promoter Kothari family holds ~56%, with Muthoot group at 13.16%.
The investor meet and detailed deck improve visibility on Finkurve's gold loan-focused growth story and FY29 loan book ambition, which could be a positive catalyst for retail investor interest. However, NIM compressed sharply from 20.59% to 15.91% YoY in Q1 FY26, which may draw scrutiny on profitability sustainability despite strong asset quality.