About
Finkurve Financial Services Limited, a non-banking financial company, provides loans and financial services in India. It offers personal loans; loans against gold jewelry; and other secured and unsecured lending, as well as inter-corporate loans. The company was formerly known as Sanjay Leasing Limited and changed its name to Finkurve Financial Services Limited in March 2012. Finkurve Financial Services Limited was incorporated in 1984 and is based in Mumbai, India.
Key Metrics
as of Sep 2026Market Cap1,013 Cr
P/E51.40
Div Yield0.00 %
Book Value₹12.50
52w High₹135.00
52w Low₹48.00
Face Value₹1.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Dec 2023 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 | Dec 2019 | Sep 2019 | Jun 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 15.31 | 6.60 | 10.08 | 6.41 | 5.03 | 5.39 | 4.59 | 2.20 | 2.30 | 4.31 | 2.92 | 2.18 | 1.54 |
| Other Income | 0.07 | 0.24 | 0.15 | 0.02 | 0.20 | -0.09 | 0.53 | 0.19 | 0.03 | 0.29 | 0.21 | 0.12 | 0.12 |
| Depreciation | 0.12 | 0.13 | 0.22 | 0.22 | 0.18 | 0.34 | 0.17 | 0.17 | 0.18 | 0.25 | 0.11 | 0.10 | 0.06 |
| Interest | 1.65 | 0.52 | 0.59 | 1.76 | 0.55 | 1.60 | 1.85 | 1.79 | 1.79 | 3.75 | 2.02 | 1.15 | 1.25 |
| Profit before tax | 6.63 | 20.73 | -0.52 | 2.12 | 2.54 | 1.46 | -0.52 | 3.28 | 2.09 | 2.53 | 1.68 | 0.42 | 0.70 |
| Tax % | 25.79 | 17.99 | 32.69 | 26.89 | 26.38 | 35.62 | -15.38 | 24.09 | 26.79 | 49.41 | 0.00 | 0.00 | 0.00 |
| Net Profit | 4.91 | 17.01 | -0.68 | 1.54 | 1.87 | 0.95 | -0.43 | 2.49 | 1.53 | 1.27 | 1.68 | 0.42 | 0.70 |
| EPS in Rs | 0.39 | 1.34 | -0.05 | 0.12 | 0.15 | 0.08 | -0.04 | 0.20 | 0.12 | 0.11 | 0.14 | 0.04 | 0.06 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 |
|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 28.00 | 14.00 | 11.00 | 5.00 | 288.00 | 317.00 | 484.00 | 917.00 | 414.00 | 390.00 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 4.00 | 7.00 | 8.00 | 12.00 | 8.00 | 9.00 | 8.00 | 2.00 | 1.00 | 2.00 |
| Depreciation | 1.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 25.00 | 6.00 | 5.00 | 1.00 | 2.00 | 1.00 | 2.00 | 2.00 | 0.00 | 1.00 |
| Tax % | 21.00 | 28.00 | 24.00 | 38.00 | 36.00 | 31.00 | 33.00 | 30.00 | 37.00 | 30.00 |
| Net Profit | 20.00 | 5.00 | 4.00 | 0.00 | 2.00 | 1.00 | 1.00 | 1.00 | 0.00 | 1.00 |
| EPS in Rs | 1.55 | 0.36 | 0.32 | 0.05 | 0.20 | 0.06 | 0.12 | 0.07 | -0.04 | 0.05 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13.00 | 13.00 | 13.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 1.00 |
| Reserves | 145.00 | 125.00 | 121.00 | 6.00 | 6.00 | 4.00 | 3.00 | 2.00 | 2.00 | 10.00 |
| Other Liabilities | 4.00 | 9.00 | 7.00 | 3.00 | 6.00 | 9.00 | 3.00 | 2.00 | 2.00 | 4.00 |
| Total Liabilities | 186.00 | 225.00 | 215.00 | 112.00 | 133.00 | 98.00 | 88.00 | 45.00 | 18.00 | 30.00 |
| Fixed Assets | 1.00 | 2.00 | 2.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 5.00 | 4.00 | 2.00 | 1.00 | 3.00 | 1.00 | 1.00 | 0.00 | 1.00 | 1.00 |
| Other Assets | 180.00 | 219.00 | 211.00 | 111.00 | 130.00 | 96.00 | 87.00 | 44.00 | 16.00 | 28.00 |
| Total Assets | 186.00 | 225.00 | 215.00 | 112.00 | 133.00 | 98.00 | 88.00 | 45.00 | 18.00 | 30.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 28.00 | 4.00 | -81.00 | 30.00 | -28.00 | 7.00 | -35.00 | -23.00 | 12.00 | 1.00 |
| Cash from Investing Activity | 20.00 | 0.00 | -2.00 | 0.00 | -1.00 | 0.00 | 0.00 | 0.00 | 1.00 | -1.00 |
| Cash from Financing Activity | -56.00 | -4.00 | 85.00 | -29.00 | 28.00 | -6.00 | 33.00 | 25.00 | -11.00 | -2.00 |
| Net Cash Flow | -8.00 | -1.00 | 2.00 | 1.00 | -1.00 | 1.00 | -2.00 | 2.00 | 2.00 | -1.00 |
| Free Cash Flow | 27.00 | 4.00 | -81.00 | 30.00 | -28.00 | 7.00 | -35.00 | -23.00 | 12.00 | 1.00 |
| CFO/OP % | 119.00 | 43.00 | -568.00 | 241.00 | -255.00 | 77.00 | -320.00 | -657.00 | 2,863.00 | 73.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 |
|---|
Corporate Actions
2 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Split | 26 Feb 2014 | 28 Feb 2014 | 10:1 | — | |
| Bonus | 22 Aug 2013 | 23 Aug 2013 | 6:1 | — |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update15 Jun from care
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Rating update13 May from crisil
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Rating update9 Apr from crisil
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Rating update30 Mar from care
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Rating update23 Mar from infomerics
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Rating update12 Mar from crisil