About Finkurve Financial Services Limited
Data last updated: 09 June 2026
Finkurve Financial Services Limited is a public limited company based in Mumbai, Maharashtra, India. It specialises in non-banking financial services (NBFC), a part of the broader financial services sector. Incorporated on 23 March 1984, the company has been in operation for over 42 years.
Registered with ROC Mumbai under CIN L65990MH1984PLC032403. Listed on BSE: 508954.
Capital: an authorised share capital of ₹17 Cr and a paid-up capital of ₹14.01 Cr. Formerly known as Sanjay Leasing Ltd. It is led by directors including Himadri Bhattacharya and Cavale Narayanarao Raghupathi.
Last AGM: 30 September 2025. Financial statements filed for year ended 31 March 2025. Office: Mumbai, Maharashtra.
As per the financials filed for FY 2025, the company reported a revenue of ₹141.06 Cr, a growth of 56% compared to the previous year.
The company has a workforce of approximately 253 employees as per the latest available data.
The company is associated with 3 brands - Salary Now, Finkurve, Arvog. As per MCA filings, the company has open charges of ₹962.08 Cr and satisfied charges of ₹12.99 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website arvog.com.
-
Email*****@*****.com
-
Telephone+91-****-******
-
Website
-
Social Media
-
Registered AddressUnit No 1 Trade Garden 1St Floor Building No. A, Kamala Mills Compound Lower Parel, Mumbai, Maharashtra, India – 400013
-
IndustryFinancial Services, NBFC, Investment & Credit NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
CIN History of Finkurve Financial Services Limited
Finkurve Financial Services Limited has one previous CIN (Corporate Identification Number): U65990MH1984PLC032403. The current CIN is L65990MH1984PLC032403, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65990MH1984PLC032403 | Current |
| U65990MH1984PLC032403 | Previous |
Associated Brands with Finkurve Financial Services Limited
Finkurve Financial Services Limited operates multiple associated brands including Salary Now, FinKurve, and Arvog. These brands represent Finkurve Financial Services Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Provides comprehensive solutions for payday loans to individuals. | salarynow.in | |
| Financial technology services are delivered by the Mumbai-based association. | finkurve.com | |
| AI-based digital lending for personal and gold loans is offered. | arvog.com |
Competitors & Alternatives of Finkurve Financial Services Limited
Brands and companies operating in the same space as Finkurve Financial Services Limited include Stashfin, Money View, Kissht and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Stashfin
|
Digital lending and instant credit lines are provided to individuals. | Gurugram, India, India | 2016 |
Money View
|
Loans, credit cards, gold investments, insurance, and UPI are provided. | Bengaluru, India, India | 2014 |
Kissht
|
Personal, business, and property loans are provided by Kissht. | Mumbai, India, India | 2015 |
Fibe
|
Fibe is recognized as India's largest lending platform for instant credit solutions. | Pune, India, India | 2015 |
mPokket
|
Provider of a digital lending platform offering instant personal loans to underserved youth, providing financial solutions through a mobile app | Kolkata, India, India | 2016 |
CASHe
|
Online instant personal loans are provided to salaried professionals. | Mumbai, India, India | 2016 |
Shriram Capital
|
Provider of vehicle and auto loans | Chennai, India, India | 1974 |
Branch
|
Branch is focused on providing faster workforce payment solutions. | Minneapolis, United States, United States | 2015 |
InPrime Finserv
|
Financial services are delivered to India's informal economy prime segment. | Bengaluru, India, India | 2021 |
Home Credit
|
Multiple consumer loan products and financial services are offered. | Gurugram, India, India | 2012 |
Business Activity of Finkurve Financial Services Limited
Finkurve Financial Services Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including other financial activities.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | ********* |
Auditor Details of Finkurve Financial Services Limited
Finkurve Financial Services Limited is audited by Ladha Singhal & Associates for the financial year 2019. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| Ladha Singhal & Associates | blur-value | blur-value | blur-value |
Board of Directors of Finkurve Financial Services Limited
Finkurve Financial Services Limited is currently managed by 10 directors, with 26 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Himadri Bhattacharya | Director | 14 Nov 2024 | 1 Years 7 Months | Current |
|
Cavale Narayanarao Raghupathi
Also directs:
Finkurve Financial Services Limited, Augmont Enterprises Limited, Yoddhaa Strategic Partners Llp and 3 more
|
Director | 14 Nov 2024 | 1 Years 7 Months | Current |
|
Nishant Tolchand Ranka
Also directs:
Finkurve Financial Services Limited, Ideal Fiscal Services Ltd, Augmont Goldtech Private Limited and 2 more
|
Director | 07 Mar 2018 | 8 Years 4 Months | Current |
|
Priyank Rakesh Kothari
Also directs:
Finkurve Financial Services Limited, Alevate Overseas Private Limited, Augmont Trading Limited and 5 more
|
Whole-Time Director | 17 May 2021 | 5 Years 1 Months | Current |
|
Aastha Vishal Solanki
Also directs:
Finkurve Financial Services Limited, Smk Wellness Private Limited
|
Director | 30 Jun 2024 | 2 Years 0 Months | Current |
| Ketan Bhawarlal Kothari | Director | 10 Dec 2010 | 15 Years 7 Months | Current |
Financials of Finkurve Financial Services Limited FY 2026 filings available
Finkurve Financial Services Limited reported revenue of ₹207.22 Cr (up ) for FY 2026. Profit growth despite declining revenue indicates effective cost management and margin discipline.
| Metrics | FY 2026 |
|---|---|
| Revenue from Operations | ₹207.22 Cr |
| Interest Earned | ₹204.35 Cr |
| Other Income | ₹2.65 Cr |
| Total Income | ₹209.86 Cr |
| Cost of Materials Consumed | ₹0 |
| Purchases of Stock-in-Trade | ₹0 |
| Changes in Inventories | ₹0 |
| Employee Benefit Expense | ₹18.23 Cr |
| Finance Costs | ₹48.92 Cr |
| Depreciation & Amortisation | ₹3.42 Cr |
| Other Expenses | ₹12.79 Cr |
| Total Expenses | ₹175.27 Cr |
| Profit Before Exceptional Items & Tax | ₹34.6 Cr |
| Exceptional Items | ₹0 |
| Profit Before Tax | ₹34.6 Cr |
| Total Tax Expense | ₹8.56 Cr |
| Net Profit | ₹26.03 Cr |
| Other Comprehensive Income | -₹37.49 Lakh |
| Total Comprehensive Income | ₹25.66 Cr |
| EBITDA (computed) | ₹86.94 Cr |
| Basic EPS | ₹1.89 |
| Diluted EPS | ₹1.86 |
| Metrics | FY 2026 |
|---|---|
| Total Assets | ₹1,233.04 Cr |
| Property, Plant & Equipment | ₹15.66 Cr |
| Inventories | ₹0 |
| Cash & Equivalents | ₹102.12 Cr |
| Equity (Net Worth) | ₹344.9 Cr |
| Equity Share Capital | ₹14.01 Cr |
| Total Liabilities | ₹888.14 Cr |
| Metrics | FY 2026 |
|---|---|
| Operating Cash Flow | -₹566.14 Cr |
| Investing Cash Flow | -₹6.51 Cr |
| Financing Cash Flow | ₹659.31 Cr |
| Capital Expenditure | ₹0 |
| Free Cash Flow (computed) | -₹566.14 Cr |
| Dividends Paid | ₹0 |
| Net Change in Cash | ₹86.67 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 |
|---|---|---|---|
| Revenue from Operations | ₹67.33 Cr | ₹51.96 Cr | ₹48.05 Cr |
| Interest Earned | ₹66.08 Cr | ₹42.26 Cr | ₹34.03 Cr |
| Other Income | ₹1.89 Cr | ₹50.86 Lakh | ₹9.28 Lakh |
| Total Income | ₹69.21 Cr | ₹52.47 Cr | ₹48.14 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹5.37 Cr | ₹4.39 Cr | ₹4.46 Cr |
| Finance Costs | ₹19.89 Cr | ₹13.6 Cr | ₹8.36 Cr |
| Depreciation & Amortisation | ₹1.34 Cr | ₹58.58 Lakh | ₹74.52 Lakh |
| Other Expenses | ₹2.32 Cr | ₹4.38 Cr | ₹5.46 Cr |
| Total Expenses | ₹58.79 Cr | ₹42.52 Cr | ₹40.75 Cr |
| Profit Before Exceptional Items & Tax | ₹10.42 Cr | ₹9.95 Cr | ₹7.39 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹10.42 Cr | ₹9.95 Cr | ₹7.39 Cr |
| Total Tax Expense | ₹2.38 Cr | ₹2.97 Cr | ₹1.47 Cr |
| Net Profit | ₹8.04 Cr | ₹6.98 Cr | ₹5.92 Cr |
| Other Comprehensive Income | -₹37.49 Lakh | ₹0 | ₹0 |
| Total Comprehensive Income | ₹7.67 Cr | ₹6.98 Cr | ₹5.92 Cr |
| EBITDA (computed) | ₹31.65 Cr | ₹24.13 Cr | ₹16.49 Cr |
| Basic EPS | ₹0.58 | ₹0.50 | ₹0.42 |
| Diluted EPS | ₹0.56 | ₹0.49 | ₹0.42 |
Shareholding Pattern of Finkurve Financial Services Limited
As per the shareholding pattern filed with NSE for the quarter ended Mar 2026, promoters hold 56.24%, foreign institutional investors hold 7.03%, retail and other public shareholders hold 36.73% of Finkurve Financial Services Limited. The company had 3,356 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | |
|---|---|---|---|
| Promoters | 56.24% | 56.24% | 56.26% |
| Public | 43.76% | 43.76% | 43.74% |
Board & Governance of Finkurve Financial Services Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Finkurve Financial Services Limited has 6 directors - 4 independent and 1 executive. The board is chaired by Ketan Kothari.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| Ketan Kothari | Non-Executive - Non Independent Director · Chairperson | 2010-12-10 | 1 |
| Priyank Rakesh Kothari | Executive Director | 2021-05-17 | 1 |
| Nishant Tolchand Ranka | Non-Executive - Independent Director | 2018-03-07 | 2 |
| Himadri Bhattacharya | Non-Executive - Independent Director | 2024-11-14 | 1 |
| Cavale Raghupathi | Non-Executive - Independent Director | 2024-11-14 | 1 |
| Aastha Vishal Solanki | Non-Executive - Independent Director | 2024-06-30 | 1 |
| Committee | Members |
|---|---|
| Audit Committee | Nishant Tolchand Ranka (Chairperson), Priyank Rakesh Kothari, Aastha Vishal Solanki |
| Nomination and remuneration committee | Nishant Tolchand Ranka (Chairperson), Ketan Kothari, Aastha Vishal Solanki |
| Stakeholders Relationship Committee | Ketan Kothari (Chairperson), Nishant Tolchand Ranka, Aastha Vishal Solanki |
| Corporate Social Responsibility Committee | Ketan Kothari (Chairperson), Nishant Tolchand Ranka, Aastha Vishal Solanki |
| INDEPENDENT DIRECTOR'S COMMITTEE | Nishant Tolchand Ranka (Chairperson), Aastha Vishal Solanki, Cavale Raghupathi, Himadri Bhattacharya |
| FINANCE COMMITTEE | Priyank Rakesh Kothari (Chairperson), Ketan Kothari, Nishant Tolchand Ranka |
Charges & Borrowings of Finkurve Financial Services Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 14 May 2026 | Others | ₹75 Cr | Open |
| 02 May 2026 | Others | ₹20 Cr | Open |
| 30 Apr 2026 | Others | ₹15 Cr | Open |
| 31 Mar 2026 | Others | ₹20 Cr | Open |
| 30 Mar 2026 | Others | ₹20 Cr | Open |
Total charge records: 50 View all charges
Employees and EPFO Compliance at Finkurve Financial Services Limited
Finkurve Financial Services Limited has a workforce of 253 employees as of Feb 05, 2026.
Employee Count & EPFO Data of Finkurve Financial Services Limited
Access employee headcount trends, monthly PF payment records, EPFO establishment details, and compliance data.
GST Compliance of Finkurve Financial Services Limited
GSTIN & GST Filing Data of Finkurve Financial Services Limited
Access GSTIN registrations, state-wise filing compliance, HSN/SAC codes, and detailed goods & services data.
Credit Ratings, Litigation & Regulatory Alerts for Finkurve Financial Services Limited
Credit Ratings, Legal Cases & Regulatory Alerts of Finkurve Financial Services Limited
Access complete credit rating history, litigation records, regulatory alerts, and compliance data.
MSME Payment Delays by Finkurve Financial Services Limited
MSME Payment Delays by Finkurve Financial Services Limited
Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.
Subsidiaries & Group Companies of Finkurve Financial Services Limited
Subsidiaries & Group Companies of Finkurve Financial Services Limited
See the full corporate group - holding company, subsidiaries, associates and joint ventures of Finkurve Financial Services Limited with ownership details.
MCA Filings & Documents of Finkurve Financial Services Limited
MCA Filings & Documents of Finkurve Financial Services Limited
Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.
Recent Activity on Finkurve Financial Services Limited
Recent News on Finkurve Financial Services Limited
Frequently Asked Questions about Finkurve Financial Services Limited
Finkurve Financial Services Limited is an active public limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 23 March 1984 (42+ years old) and is registered under CIN L65990MH1984PLC032403. Listed on BSE: 508954. The company has 253 employees.
Finkurve Financial Services Limited reported revenue of ₹141.06 Cr for FY 2025 (up 56.00% YoY).
The current directors of Finkurve Financial Services Limited are:
- Himadri Bhattacharya
- Cavale Narayanarao Raghupathi
- Nishant Tolchand Ranka
- Aakash Nemichand Jain
- Priyank Rakesh Kothari
- Aastha Vishal Solanki
- Ketan Bhawarlal Kothari
- Kajal Kunal Parmar
- Naveen Kumar Kottala
- Rajendran Chinna Veerappan
The primary industry of Finkurve Financial Services Limited is financial services. The company specifically operates in nbfc. The company is currently active in this sector.
Yes. Finkurve Financial Services Limited is listed on BSE with code 508954.
Finkurve Financial Services Limited can be reached at the registered office: Unit No 1 Trade Garden 1St Floor Building No. A, Kamala Mills Compound Lower Parel, Mumbai, Maharashtra, India – 400013, or through the website arvog.com.