FincFriends has reported a strong financial performance for FY2025-26, with revenue rising 33 per cent to Rs 999 crore and Assets Under Management (AUM) growing 43 per cent year-on-year to Rs 875 crore, reflecting continued growth in its digital lending business.
According to the company’s audited financial statements, total loan disbursements increased to Rs 3,732 crore in FY26 from Rs 2,585 crore in the previous financial year. Since its inception, FincFriends has served more than 5.5 million borrowers and currently processes nearly 3,000 digital loans every day through its fully digital platform.
The company said it remained profitable during the year with zero accumulated losses. It also secured an investment-grade BBB- credit rating for bank loans and non-convertible debentures (NCDs), along with an A3+ rating for commercial papers from Acuité Ratings & Research Limited in March 2026. FincFriends also received ISO 27001:2022 certification, strengthening its information security credentials.
During FY26, the company signed term sheets worth more than Rs 500 crore and converted Rs 203 crore of external commercial borrowings (ECBs) into equity. Its platform currently serves over 500,000 active customers, with a 74 per cent repeat borrower rate, while more than 80 per cent of borrowing demand comes from customers aged between 20 and 40 years.
Commenting on the performance, Artem Andreev, CEO of FincFriends, said the company’s growth has been driven by its focus on understanding borrowers, disciplined risk management and building a scalable yet profitable business. He added that the company will continue strengthening its technology, expanding access to responsible credit and developing products that better address customers’ financial needs while maintaining credit quality.
Looking ahead to FY27, FincFriends plans to expand its customer base, strengthen partnerships, improve portfolio quality and increase its focus on near-prime lending through higher-value loan offerings. The company said it will continue to emphasise responsible lending, transparent communication and customer-centric services as it seeks to strengthen its position in India’s digital lending ecosystem.
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