Finkurve Financial Services Limited — PPTs, 21-05-2026: Investor Presentation

**1. Business Performance:**

Finkurve Financial Services reported strong growth in Q4 FY26. Assets Under Management (AUM) surged by 149% YoY to ₹1,096 Cr, driven by a significant 66% increase in active gold loan customers. Profit After Tax (PAT) more than doubled YoY to ₹8.04 Cr.

**2. Growth Drivers or Strategy:**

The company is strategically focused on expanding its retail gold loan portfolio, which now constitutes 95% of its total loan book. This shift offers lower risk, faster capital rotation, and scalable retail growth. Technology enablement, including a digitized origination system and data-driven underwriting, is crucial for efficient expansion.

**3. Recent Developments:**

Finkurve has partnered with Godrej Finance for a co-lending gold loan product under the RBI framework, enabling efficient scaling of its portfolio. The company also achieved a significant milestone with its AUM surpassing ₹1,000 Cr.

**4. Key Financial Metrics (if available):**

- YoY Revenue from Operations Growth: 67.14% (Q4 FY26)

- YoY PAT Growth: 105.46% (FY26)

- AUM Growth (YoY): 149% (Q4 FY26)

- PAT (Q4 FY26): ₹8.04 Cr

**5. Management Commentary / Outlook (if available):**

The company's strategy emphasizes cluster-led branch expansion in Tier-2/3 markets, focusing on high gold-ownership areas. Technology is leveraged for faster turnaround times, optimized risk-adjusted yields, and enhanced governance. Finkurve aims for predictable, high-quality AUM growth through disciplined risk management.