Akme Fintrade (India) Limited announced its audited financial results for the fourth quarter and full year ended March 31, 2026, following a Board of Directors meeting held on May 06, 2026. The statutory audit was conducted by M/s. Valawat & Associates, Chartered Accountants, who issued an unmodified opinion on the financial results. The company delivered robust growth across all key metrics, underpinned by sustained momentum in its vehicle finance portfolio and deepening rural and semi-urban market penetration.

Financial Performance Overview

Net Profit (PAT) for FY26 rose 27.35% year-on-year to ₹42.32 Crore, compared to ₹33.23 Crore in FY25. Gross Interest Income expanded 44.63% to ₹142.57 Crore (FY25: ₹98.58 Crore), while Net Interest Income (NII) grew 37.14% to ₹86.19 Crore (FY25: ₹62.85 Crore), reflecting strong disbursement momentum and effective liability management. Total disbursements for the year crossed the ₹500 Crore mark for the first time in the company's history, reaching ₹503.91 Crore. The loan book (AUM) grew 48.49% to ₹918.60 Crore as at March 31, 2026 (FY25: ₹618.61 Crore), led by strong growth in the vehicle finance segment, particularly used commercial vehicles, two-wheelers, and three-wheelers in Tier II and Tier III markets. The Net Interest Margin (NIM) remained healthy at 12.68% for FY26.

Q4 FY26 PAT stood at ₹12.27 Crore, registering strong growth of 62.67% year-on-year (Q4 FY25: ₹7.55 Crore) and 18.12% quarter-on-quarter (Q3 FY26: ₹10.39 Crore). Gross Interest Income for the quarter grew 8.78% sequentially to ₹40.54 Crore (Q3 FY26: ₹37.26 Crore). NII grew 14.70% quarter-on-quarter and 38.71% year-on-year, with NIM improving to 12.85% in Q4 FY26 from 11.99% in Q3 FY26.

The following table presents the key financial results:

The detailed income statement metrics are presented below:

Balance Sheet Highlights

The company's total assets stood at ₹93,429.36 lakhs as at March 31, 2026, compared to ₹67,536.44 lakhs as at March 31, 2025. The following table summarises key balance sheet items:

Key Financial Ratios

The company disclosed the following key financial ratios and sector-specific metrics for the year ended March 31, 2026, in compliance with Regulation 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015:

Management Commentary

Mr. Akash Jain, Chief Executive Officer of Akme Fintrade (India) Limited, commented: "FY26 has been a landmark year for Akme Fintrade. We achieved our best-ever disbursement figures, crossing ₹500 Crore in a single financial year — a milestone that reflects the trust our customers and channel partners place in us. Our AUM crossed the ₹900 Crore milestone, and the vehicle finance portfolio delivered an exceptional 128% year-on-year growth, backed by expanded dealer networks. Despite elevated funding costs in the first half of FY26, our NIMs stabilised through the second half, a result of disciplined liability management and portfolio mix optimisation. Asset quality remains well within our internal benchmarks, with Gross NPA at 2.93% and Provision Coverage at 52%. With a CRAR of 46.23% — more than three times the regulatory minimum — and a credit rating upgrade to A–, we are well-positioned to access diversified funding at improved rates. We enter FY27 with strong capital buffers, a growing digital underwriting platform, and a clear runway for continued AUM expansion."

Business & Operational Highlights

• Vehicle Finance — Segment Outperformance: The vehicle finance portfolio recorded exceptional 128% YoY AUM growth in FY26, driven by increased dealer empanelment, tie-ups with partners, and rising demand for 2-wheelers and used commercial vehicles in rural and semi-urban markets.
• Record Disbursements: FY26 marked the company's highest-ever annual disbursements at ₹503.91 Crore, crossing the ₹500 Crore milestone for the first time, achieved through improved channel productivity, stronger collections infrastructure, and targeted customer acquisition.
• Digital Underwriting Infrastructure: The company continued to invest in its digital lending and underwriting capabilities, reducing turnaround times and improving credit decision quality, with a growing proportion of originations now processed through the digital pipeline.
• Liability Management: Despite elevated system-level funding costs in H1 FY26, the company actively diversified its borrowing mix and negotiated improved terms with lenders, resulting in NIM stabilisation and sequential improvement in H2 FY26. The recent rating upgrade to A- is expected to further reduce the cost of funds.
• Rural & Semi-Urban Focus: Akme Fintrade continued to focus its lending efforts on rural and semi-urban geographies in Rajasthan and surrounding states, providing vehicle and business finance to first-time borrowers and small business owners typically underserved by traditional banking channels.

Non-Convertible Debentures and Security Cover

During the year ended March 31, 2026, Akme Fintrade issued non-convertible debentures (NCDs) listed on the National Stock Exchange of India Limited. All outstanding listed secured NCDs, amounting to INR 18,000 Lakhs, are fully secured by way of hypothecation over book debts/receivables and/or mortgage of immovable properties. The company has complied with all covenants in respect of its listed outstanding secured non-convertible debentures as on March 31, 2026. Additionally, the company effected a subdivision of its equity shares from 1 equity share of face value ₹10 each into 10 equity shares of face value ₹1 each during the year ended March 31, 2026.

Details of loan transfers through assignment during the year ended March 31, 2026 are as follows:

Board Appointments

The Board approved two key appointments at its meeting held on May 06, 2026:

• Mr. Kamlesh Jain (DIN: 08905531) was appointed as Additional Executive Director with effect from May 06, 2026. Mr. Jain brings over a decade of experience at Akme Fintrade (India) Limited, where he leads the Commercial Vehicle lending division at the national level.
• Ms. Latika Jain, a qualified Chartered Accountant, was appointed as Internal Auditor of the company with effect from May 06, 2026, for the Financial Year 2026-27. She has experience in statutory audits, GST and income tax matters, regulatory compliance, and financial reporting.

The financial results for the quarter and year ended March 31, 2026 were prepared in accordance with Indian Accounting Standards (Ind AS) prescribed under Section 133 of the Companies Act, 2013, along with applicable RBI guidelines. The results are available on the company's website at www.akmefintrade.com , as well as on the BSE and NSE websites.

Akme Fintrade (India) Limited has filed a disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, providing clarifications and updates to the Explanatory Statement forming part of the Notice of its Extra-Ordinary General Meeting (EGM). The EGM in question was held on 20.03.2026, and the clarifications address specific observations raised with respect to the Notice, Explanatory Statement, and Corrigendum that were circulated to shareholders.

Non-Applicability of Regulation 166A

The company has clarified that Regulation 166A of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018 is not applicable to its proposed preferential issue. The key reason cited is that no allottee under the proposed allotment will hold 5% or more of the post-issue fully diluted share capital of the company. Consequently, the requirement to obtain a valuation report from an Independent Registered Valuer, as mandated under Regulation 166A, is not attracted in this case.

The company further stated that the issue price has been determined in compliance with the applicable provisions of Chapter V of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018 and other applicable laws. Therefore, disclosures relating to the applicability of Regulation 166A and an Independent Registered Valuer's valuation were not required to be included in the Notice and Explanatory Statement.

The following key details from the Explanatory Statement have been highlighted as part of the clarification:

Direct Link to PCS Certificate

In response to the observation pertaining to point no. (xxvii) of the Explanatory Statement, the company has provided the direct link to the PCS Certificate for shareholder and exchange reference. The certificate is accessible at:

https://www.akmefintrade.com/wp-content/uploads/2026/02/PCS-Certificate.pdf

The disclosure was signed by Manoj Kumar Choubisa, Company Secretary and Compliance Officer (M. No.: A66176), on behalf of Akme Fintrade (India) Limited, and has been submitted to both the National Stock Exchange of India Limited and BSE Limited for their records.