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 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.