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.