Akme Fintrade (India) Limited, a non-banking finance company (NBFC), has successfully raised ₹20 crore through the allotment of secured, listed, rated, transferable, redeemable non-convertible debentures (NCDs). The company's Board of Directors approved this private placement on November 13, 2025.

Key Details of the NCD Issuance

• Number of NCDs: 20,000
• Face Value: ₹10,000 per NCD
• Total Issue Size: ₹20 crore
• Coupon Rate: 12% per annum
• Interest Payment: Monthly
• Maturity Date: April 16, 2028
• Security: Secured by LAP/Equipment Loans/Business Loans

Security Cover and Repayment Terms

The company will maintain a security cover of 125% of the outstanding principal amount. This security will be in the form of LAP (Loan Against Property), Equipment Loans, or Business Loans.

Use of Funds

While the specific use of funds was not disclosed, NCDs are typically used by NBFCs to raise capital for lending activities and business expansion.

Company Background

Akme Fintrade (India) Limited, incorporated in 1996, is a BSE and NSE listed NBFC. The company primarily offers vehicle and business loans in rural and semi-urban areas. Its portfolio includes:

• Vehicle Finance: 2-wheeler loans, 3-wheeler loans, and used commercial vehicle loans
• Business Finance: Loans for small business owners

Financial Performance

As per the company's recent financial results for the half-year ended September 30, 2025:

• Net Profit: ₹19.65 crore (17.32% year-on-year growth)
• Gross Interest Income: ₹63.47 crore (54.15% year-on-year growth)
• Assets Under Management (AUM): ₹767.46 crore (54.80% year-on-year growth)

The successful NCD issuance may indicate investor confidence in Akme Fintrade's business model and growth prospects. As the company continues to expand its presence in rural and semi-urban markets, this additional capital could support its lending activities and further strengthen its market position.

Akme Fintrade (India) Limited , a non-banking financial company (NBFC), has announced its financial results for the quarter and half-year ended September 30, 2025, showcasing robust growth in key financial metrics.

Financial Highlights

The company reported a 17.32% year-on-year increase in net profit, reaching ₹19.65 crore for the half-year ended September 30, 2025, compared to ₹16.75 crore in the same period last year. This growth was primarily driven by higher loan disbursements and an increase in net interest income.

Loan Portfolio and Asset Quality

Akme Fintrade's loan portfolio demonstrated significant expansion:

• Assets Under Management (AUM) increased by 54.80% to ₹767.46 crore in H1 FY26.
• Advances grew by 10.98% to ₹677.76 crore during the quarter.
• The company maintained a strong capital adequacy ratio of 51.66%.

Asset quality metrics showed improvement:

• Gross Stage 3 assets stood at 2.96%
• Net Stage 3 assets were at 1.43%

Operational Performance

The company's operational efficiency improved, with Return on Equity for Q2 FY26 reaching 10.03%, up from 9.94% in Q1 FY26.

Management Commentary

Akash Jain, CEO of Akme Fintrade, stated, "We have been witnessing good growth in demand for loans, especially in the vehicle segment in semi-urban and rural markets. There is a huge untapped potential in the MSME and vehicle loan segments in these markets, and our well-entrenched presence helps us address this gap."

He added, "Our strong capital position, backed by our ability to raise funds at competitive rates through multiple channels, and a good understanding of these markets puts us in good stead and enables us to further grow our loan book in the coming quarters."

Future Outlook

The company expressed optimism about future growth, citing increased demand from rural and semi-urban markets. Akme Fintrade also announced its plans to enter the gold loan business, for which it has received board approval.

Debt Securities and Compliance

During the period, Akme Fintrade issued non-convertible debentures listed on the National Stock Exchange. The company maintains a debt-equity ratio of 0.96 times and reported compliance with all financial covenants mentioned in its transaction documents.

Akme Fintrade continues to focus on expanding its presence in the vehicle financing and MSME lending segments, leveraging its strong market position and capital base to drive growth in the coming quarters.