Finkurve Financial Q3 & 9M FY26: AUM Explodes 119% YoY to ₹833 Cr, PAT Up 24% to ₹7 Cr

Tech-first gold loan NBFC Finkurve Financial Services Ltd (NSE: FINKURVE, BSE: 508954; Arvog brand) showcased hyper-growth with unaudited results.

Q3 Highlights: AUM ₹833 Cr (+119% YoY, incl ₹14 Cr off-book), disbursements ₹1,374 Cr. Branches 98 (+36% YoY), avg gold loan/branch ₹7.8 Cr (+81%). Total income ₹52 Cr (+31% YoY), NII ₹29 Cr (+75%), NIM 15.2%. GNPA 0.71%, NNPA 0.54%, CAR 39%, liquidity ₹75 Cr (8% assets).

Financials (₹ Cr): PAT ₹7 (+24% YoY, +18% QoQ), PBT ₹10 (+27%), EPS ₹0.47. 9M PAT ₹18 (+33% YoY).

Key Developments:

- Raised ₹111 Cr (May '25 preferential), ₹190 Cr NCDs/lenders (Q3).

- NSE listing Oct 1, 2025.

- New CEO Naveen Kottala (Nov 18).

- CRISIL BBB/Stable reaffirmed.

- Chennai branch launch (Q1).

ED Priyank Kothari: "118% AUM growth, ₹1,374 Cr disbursals via branches/productivity. Diversified funding. Prioritizing quality/liquidity. Focus: expansion, tech, customer-centric gold loans."

Finkurve (RBI base NBFC; Augmont tie-up) scales phygital gold loans.

Shares of Finkurve Financial Services Ltd was last trading in BSE at Rs. 94.50 as compared to the previous close of Rs. 94.92. The total number of shares traded during the day was 7938 in over 221 trades.

The stock hit an intraday high of Rs. 99.45 and intraday low of 93.20. The net turnover during the day was Rs. 772748.00.

Source : Equity Bulls

Keywords

FinkurveFinancialServices INE734I01027 NBFC Q3FY26 Q3FY2026 9MFY26 9MFY2026 ResultUpdate