Finkurve Financial Services Limited has reported a stellar financial performance for the fiscal year 2025-26 (FY26), with its Assets Under Management (AUM) surging by 149% year-on-year (YoY). The company's net profit after tax (PAT) for the fourth quarter (Q4) also witnessed a remarkable growth of 105%.
Key Financial Highlights
The company's AUM stood at INR 1,234 crore as of March 31, 2026, compared to INR 495 crore in the corresponding period last year. This represents a robust growth trajectory driven by increased loan disbursements and expansion into new geographies. For the full fiscal year, the company's total income rose by 78% to INR 345 crore, while net profit surged by 92% to INR 78 crore.
Quarterly Performance
In the January-March quarter of FY26, Finkurve Financial reported a PAT of INR 22 crore, up from INR 10.7 crore in the same quarter of the previous year, marking a 105% increase. The company's net interest income (NII) for Q4 grew by 82% to INR 48 crore, driven by higher lending volumes and improved margins.
- AUM Growth: 149% YoY to INR 1,234 crore
- Q4 PAT Growth: 105% YoY to INR 22 crore
- Full Year PAT: 92% YoY to INR 78 crore
- Total Income: 78% YoY to INR 345 crore
Strategic Initiatives
The company attributed the strong performance to its focus on expanding its loan portfolio, particularly in the small and medium enterprise (SME) and retail segments. Finkurve Financial has also enhanced its digital lending capabilities, enabling faster disbursals and better customer reach. The company's branch network has been expanded to 85 branches across 10 states, up from 50 branches a year ago.
Asset Quality
Finkurve Financial maintained a healthy asset quality with gross non-performing assets (GNPA) at 2.1% as of March 2026, compared to 2.5% in March 2025. Net NPAs stood at 0.8%, reflecting prudent risk management practices. The provision coverage ratio improved to 72% from 68% last year.
Management Commentary
Commenting on the results, Mr. Rajesh Patel, Managing Director of Finkurve Financial Services, said, "We are delighted with our FY26 performance, which reflects the successful execution of our growth strategy. The 149% surge in AUM and 105% growth in Q4 PAT underscore our ability to scale operations while maintaining asset quality. We remain committed to driving sustainable growth through innovation and customer-centric approaches."
Future Outlook
Looking ahead, Finkurve Financial aims to further strengthen its presence in under-penetrated markets and leverage technology to enhance operational efficiency. The company expects to maintain a growth trajectory of over 30% in AUM and profitability in the coming fiscal year, subject to market conditions.
- Expansion into new geographies and customer segments
- Investment in digital platforms for improved customer experience
- Focus on risk management to sustain asset quality
Finkurve Financial Services Limited, a non-banking financial company (NBFC), has demonstrated resilience and growth in a competitive landscape. The company's robust performance in FY26 positions it well for future expansion and value creation for stakeholders.
