| Metric | Value (₹ Cr) | vs Q3 FY26 |
|---|---|---|
| Revenue | 67.33 | 29.6% |
| Total Income | 69.21 | 31.9% |
| Expenditure | 58.79 | 38.3% |
| PBT | 10.42 | 4.8% |
| Net Profit | 8.04 | 15.1% |
| OPM | 44.21% | 1.25pp |
| NPM | 11.62% | 1.69pp |
| EPS | 0.58 | 16.0% |
Finkurve Financial Services FY26 PAT Up 105% YoY
20 May 2026 · 20 May, 10:41 pm
Summary
Finkurve Financial Services Limited delivered a robust performance for Q4 and the full Financial Year ended March 31, 2026. The company's Assets under Management (AUM) witnessed a substantial 149% year-over-year growth, reaching ₹1,096.1 crore, while Profit after Tax for Q4 FY26 surged by 105.46% to ₹8.04 crore. Total income for the quarter also increased significantly by 71.21% to ₹69.21 crore. Executive Director Mr. Priyank Kothari highlighted that crossing the ₹1,000 crore AUM mark underscores the momentum and trust built, supported by strategic initiatives such as branch network expansion and a co-lending partnership. The company continues to demonstrate strong asset quality with Net NPA at 0.09% and a healthy Capital Adequacy Ratio of 30.96%, with plans for continued investment in technology, network expansion, and diversification.
Key Highlights
- 1
Finkurve Financial Services Limited's Assets under Management (AUM) grew by 149% year-over-year, reaching ₹1,096.1 crore as of March 31, 2026, including off-book AUM of ₹21.03 crore.
- 2
Profit after Tax for Q4 FY26 significantly increased by 105.46% year-over-year to ₹8.04 crore, while total income for the quarter rose by 71.21% year-over-year to ₹69.21 crore.
- 3
The company maintained strong asset quality for Q4 FY26, reporting Gross NPA at 0.13% and Net NPA at 0.09%, with a healthy Capital Adequacy Ratio of 30.96%.
- 4
During FY26, Finkurve successfully raised approximately ₹111.50 crore through a combination of preferential issue of equity shares and share warrants.
- 5
The branch network expanded notably from 73 to 105 branches in FY26, including the launch of its first branch in Chennai and the commencement of its 100th tech-enabled gold loan branch.
- 6
A significant corporate milestone for FY26 was the company's shares being listed on the National Stock Exchange on October 1, 2025.
- 7
Finkurve entered into a strategic co-lending partnership with Godrej Finance Limited during Q4 FY26 to jointly offer gold loan products.
Management Comments
Priyank Kothari
Q4 FY26 represents a defining chapter in Finkurve’s journey. Our Assets under Management crossed INR 1,000 crore mark during the year and reached INR 1,096 cr as on 31st March 2026 reflecting a 149% YoY growth, a milestone that underscores the momentum we have built across our gold loan franchise and the growing trust of our customers and lending partners. This growth has been supported by meaningful strategic progress during the year. The growing network of our tech-enabled gold loan branch, and our co-lending partnership with Godrej Finance Limited are not just milestones, they are markers of the institutional depth and scalability we are building into this business. As we look ahead, we are equally focused on ensuring that our growth is sustainable and well-governed. Asset quality remains strong with Net NPA at 0.09%, our Capital Adequacy Ratio stands at a healthy 30.96%, and liquidity remains comfortable. We will continue to invest in technology, expand our branch network, and diversify our
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