| Metric | Value (₹ Cr) | vs Q2 FY26 |
|---|---|---|
| Revenue | 51.96 | 8.2% |
| Total Income | 52.47 | 9.0% |
| Expenditure | 42.52 | 4.3% |
| PBT | 9.95 | 34.6% |
| Net Profit | 6.98 | 18.0% |
| OPM | 45.46% | 11.32pp |
| NPM | 13.31% | 1.02pp |
| EPS | 0.50 | 19.1% |
Finkurve Financial Services Reports 118.63% YoY Growth in AUM and 23.86% Rise in PAT for Q3 FY26
07 Feb 2026 · 7 Feb, 6:20 pm
Summary
Finkurve Financial Services Limited, a leading Tech-first Gold Loan NBFC, announced its unaudited financial performance for the quarter and nine months ended 31* December 2025. The company reported a 118.6% YoY growth in Asset under Management (AUM) and a 23.9% YoY rise in Profit After Tax (PAT). The total income grew 31.19% YoY and net interest income increased 74.60% YoY.
Key Highlights
- 1
Q3 FY26 Asset under Management (AUM) grew by 118.6% YoY from INR 381.08 cr to INR 833.15 cr
- 2
Disbursement stood at INR 1,373.99 cr during the quarter
- 3
Branch network increased from 72 to 98 branches
- 4
Total income grew 31.19% YoY from INR 40.00 cr in Q3 FY25 to INR 52.47 cr in Q3 FY26
- 5
Net interest income increased 74.60% YoY from INR 16.42 cr in Q3 FY25 to INR 28.67 cr in Q3 FY26
- 6
Capital adequacy ratio remained healthy at 39.29%
- 7
Liquidity position remained strong with INR 74.93 cr of cash and cash equivalents
- 8
Successfully raised funds amounting to Rs. 111.50 crore in May 2025
- 9
Added more new Lenders, availed facilities from existing ones and additionally raised funds via private placement of NCDs amounting to total fund raise of INR 189.50 crs
- 10
Shares were listed on the National Stock Exchange on 1* October 2025
- 11
CRISIL Ratings has reaffirmed its ‘CRISIL BBB/Stable’ rating on the long-term bank facilities and non-convertible debentures
Management Comments
Mr. Priyank Kothari
Executive Director
The third quarter reflects the successful execution of our growth strategy, with AUM growth of 118.6% year- on-year and disbursements of INR 1,374 crore. Our expanding branch network and improving per-branch productivity underscore the strength of our operating model. During the quarter, we further diversified our funding profile through additional lenders and NCD issuances, reinforcing our ability to scale responsibly. Asset quality, liquidity, and capital adequacy remain key priorities and continue to be maintained at comfortable levels. As we move forward, we remain focused on deepening our presence in existing and new markets, leveraging technology, and building a scalable, customer-centric gold loan platform.
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