July 23: FincFriends, one of India's digital lending NBFCs focused on expanding access to credit through its digital lending platform, announced strong business performance for FY2025–26, reporting Assets Under Management growth of 43 percentage . The company also maintained profitability with zero accumulated losses while securing an investment-grade credit ratingand achieving ISO 27001:2022 certification, underscoring the strength and sustainability of its business model.
According to audited financials, FincFriends Private Limited reported Assets Under Management of INR 875 crore, representing 43percentage year-on-year growth in FY26. Revenue grew by 33% to INR 999 crore during the same period. The company also recorded total loan disbursements of INR 3,732 crore in FY26, compared to INR 2,585 crore in the previous fiscal year. The company has served more than 5.5 million borrowers since inception and consistently processes and disburses approximately 3,000 loans every day through its fully digital platform.
A key milestone during the year was FincFriends' credit rating from Acuité Ratings & Research Limited in March 2026, receiving an investment-grade BBB- rating for bank loans and NCDs, and an A3+ rating for commercial papers.
The year also saw strong institutional and customer confidence, with the company signing term sheets exceeding INR 500 crore and converting INR203 crore of ECBs into equity. Its digital lending platform serves over 500,000 active customers and maintains a 74 percentage repeat borrower rate, with over 80% of borrowing demand coming from customers aged 20–40 years.
Commenting on the results, Artem Andreev, CEO, FincFriends, said,
“Our growth has come from staying focused on the fundamentals: understanding the borrower, managing risk with discipline, and building a business that can scale without compromising on profitability.” He further added, “The next phase for FincFriends will be about going deeper, not simply getting bigger. We will continue to strengthen our technology, expand access to responsible credit, and build products that are better suited to our customers’ real financial needs. At the same time, we will remain disciplined about credit quality and responsible lending. Our ambition is to build a platform that grows profitably, earns long-term customer trust, and becomes a meaningful part of India’s evolving credit ecosystem.”
Looking ahead to FY27, FincFriends will focus on expanding customer reach, strengthening partnerships, enhancing portfolio quality, and growing its near-prime lending portfolio through higher-ticket loan offerings. Backed by a profitable business model, an investment-grade credit rating, and strong institutional support, the company is well positioned to continue its growth momentum.
FincFriends remains committed to delivering a customer-first experience through transparent communication, responsible lending practices, and seamless service. By prioritizing fair lending, clear disclosures, and responsive customer support, the company aims to build lasting trust while empowering borrowers with accessible and reliable financial solutions.