We hereby submit the revised Investor Presentation for the Analysts/Investors meet to be held today i.e. May 21, 2026.
FINKURVE · price
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Finkurve Financial Services (operating as Arvog) submitted a revised investor presentation for its analyst meet on May 21, 2026. The revision was made to correct typographical errors in the earlier version. The company is a gold-focused NBFC that has undergone a major strategic shift, with retail gold loans now representing 95% of its loan book (up from 39% previously). Q4 FY26 results show strong growth: AUM reached ₹1,096 crore (up 149% YoY), PAT at ₹8.04 crore (up 105% YoY), and NNPA improved significantly to 0.09% from 0.65% a year ago. The company operates 105 branches and has partnerships with RBL Bank and Godrej Finance for co-lending gold loans. It has transitioned to Middle Layer NBFC framework with increased provisioning requirements. The company crossed the ₹1,000 crore AUM milestone, representing nearly 10x growth since FY23.
Strong operational growth with improving asset quality. The transition to Middle Layer NBFC and rising cost of borrowing (from 10.2% to 11.5%) may pressure margins going forward. The near-complete shift to gold-backed lending significantly de-risks the loan book.