Finkurve Financial Services Limited — PPTs, 13-08-2026: Investor Presentation

Here's a summary of the investor presentation for Finkurve Financial Services, focusing on retail investors:

**1. Business Performance:**

Finkurve Financial Services (FINKURVE) is seeing strong growth in its Assets Under Management (AUM), which jumped 134.5% YoY to ₹1,270.4 Cr in Q1 FY27. This surge is driven by a strategic shift towards retail gold loans, which now constitute 96% of the loan book. Profit After Tax (PAT) also saw a significant increase of 65.8% YoY to ₹8.4 Cr.

**2. Growth Drivers or Strategy:**

The company is aggressively expanding its branch network, with a focus on cluster-led growth in Tier-2/3 markets to increase repeat borrowing and operational leverage. Technology enablement is key, with a digitized origination and servicing platform for faster turnaround and data-driven underwriting to optimize yields and portfolio quality.

**3. Recent Developments:**

Finkurve has partnered with Godrej Finance for co-lending of gold loans, allowing for efficient scaling of its portfolio and improved capital rotation.

**4. Key Financial Metrics:**

* **AUM:** ₹1,270.4 Cr (Q1 FY27), up 134.5% YoY.

* **PAT:** ₹8.4 Cr (Q1 FY27), up 65.8% YoY.

* **Net Worth:** ₹354.4 Cr (Q1 FY27), up 10.0% YoY.

**5. Management Commentary / Outlook:**

The company sees a significant lending opportunity in India's vast household gold wealth, with only a small portion currently monetized. Finkurve aims to capture this by formalizing credit and replacing informal lending with organized gold loans. The strategic focus on retail gold loans offers lower risk, faster capital rotation, and scalable growth.