Finkurve Financial Services Limited — PPTs, 20-05-2026: Investor Presentation

Here's a retail-investor-friendly summary of the investor presentation:

**Business Performance:**

Finkurve Financial Services (Arvog) has demonstrated robust growth in its gold loan business. Assets Under Management (AUM) surged by 149% YoY to ₹1,096 Cr in Q4 FY26. This growth is primarily driven by the company's strategic shift towards a retail-first gold loan model, which now constitutes 95% of its loan book.

**Growth Drivers or Strategy:**

The company is focused on expanding its branch network, particularly in Tier-2/3 cities with high gold ownership, to formalize credit and replace informal lending. Technology enablement is key, with a digitized origination and servicing platform for faster turnaround and data-driven underwriting to optimize risk and returns.

**Recent Developments:**

Arvog partnered with Godrej Finance for a co-lending gold loan initiative, enabling efficient scaling and capital rotation. The company also saw its AUM surpass ₹1,000 Cr, marking a significant growth milestone.

**Key Financial Metrics:**

Profit After Tax (PAT) grew 15% YoY to ₹8.04 Cr for Q4 FY26. For the full year FY26, PAT stood at ₹26.03 Cr, up 49.33% YoY. Revenue from operations for FY26 was ₹207.22 Cr, a 47.48% increase.

**Management Commentary / Outlook:**

The company's strategy centers on predictable, high-quality AUM growth through faster market entry, repeat borrowing, and disciplined risk governance. Their tech-led model allows for rapid branch rollout in areas with high gold ownership and fragmented competition.