Akme Fintrade (India) Limited, a leading RBI-registered Non-Banking Finance Company (NBFC), has reported strong financial results for the first half of fiscal year 2026, showcasing significant growth across key metrics.

Financial Highlights

The company's Assets Under Management (AUM) reached ₹767.46 crores in H1 FY26, marking a substantial 54.80% year-on-year growth. This impressive expansion was accompanied by a 135.35% increase in disbursements, which rose to ₹227.62 crores.

Akme Fintrade's financial performance for H1 FY26 demonstrates robust growth:

The company's earnings per share (EPS) showed a modest increase of 2.20% year-on-year, reaching ₹0.46 in H1 FY26.

Loan Portfolio and Asset Quality

Akme Fintrade's loan portfolio exhibited strong growth across various segments:

The company maintained a strong focus on asset quality, with Gross Non-Performing Assets (GNPA) at 2.96% and Net Non-Performing Assets (NNPA) at 1.43% for H1 FY26, showing an improvement from the previous year.

Strategic Initiatives and Future Outlook

Akme Fintrade has outlined several strategic initiatives to drive future growth:

1. Vehicle Loan Focus: The company is capitalizing on the growing two-wheeler financing market, which is expected to expand by 18%-19% in FY26.

2. Insurance Distribution: Having received an IRDAI license in November 2025, Akme Fintrade plans to diversify its revenue streams by entering the insurance sales and distribution segment.

3. Geographical Expansion: The company aims to strengthen its presence in Tier II and Tier III markets, leveraging its current network of 29 branches across five states.

4. Product Diversification: Plans are in place to explore opportunities in gold loans, further expanding the company's product portfolio.

5. Digital Transformation: Akme Fintrade is adopting new technologies to enhance its operational efficiency and customer experience.

Management Commentary

The company maintains its expansion plans, targeting an AUM of ₹950 crores for FY26. This growth strategy is supported by the diversification into gold loans and insurance distribution, as well as the strengthening of its vehicle loan portfolio.

Akme Fintrade's management expressed confidence in the company's ability to capitalize on the favorable interest rate outlook and reviving rural demand, which are expected to boost credit growth in the coming quarters.

Conclusion

Akme Fintrade (India) Limited's strong H1 FY26 performance, coupled with its strategic initiatives and expansion plans, positions the company for continued growth in the NBFC sector. The focus on vehicle loans, entry into insurance distribution, and expansion in Tier II and Tier III markets are expected to be key drivers of the company's future success.

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.