Akme Fintrade (India) Limited is a diversified Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). Originally incorporated as a private limited company on February 5, 1996, it was converted to a public limited company on January 5, 1997. For over two decades, the company has been engaged in providing specialized retail financing services to the lower and middle-income groups of society.
The company operates as an RBI-registered NBFC with a focus on rural and semi-urban finance. It maintains a network of 28 branches and over 30 sales points across Rajasthan, Maharashtra, Madhya Pradesh, and Gujarat. Akme Fintrade primarily caters to financially underserved masses spread across urban, semi-urban, and rural areas in both formal and informal sectors.
Akme Fintrade offers a range of services including micro, small, and medium enterprise (MSME) loans, gold loans, and vehicle financing. The company is strategically enhancing its market presence through a diversified loan portfolio that now includes MSME loans and vehicle financing, while maintaining a disciplined approach to lending to mitigate risks in the microfinance sector.
#### Recent Financial Results
- Q4 FY2024-25 (ended March 2025):
- Net profit rose 20.22% to ₹7.55 crore compared to ₹6.28 crore in the quarter ended March 2024.
- Sales increased 52.17% to ₹28.73 crore compared to ₹18.88 crore in the quarter ended March 2024.
- Full Year FY2024-25 (ended March 2025):
- Net profit rose 79.33% to ₹33.23 crore compared to ₹18.53 crore in the previous year ended March 2024.
- Sales increased 41.60% to ₹98.58 crore compared to ₹69.62 crore in the previous year ended March 2024.
- Quarterly Growth Trends (FY2024-25):
- Q3 FY25 (ended December 2024): Net profit rose 59.46% to ₹8.93 crore from ₹5.60 crore in Q3 FY24. Sales increased 42.76% to ₹27.91 crore.
- Q2 FY25 (ended September 2024): Sales rose 41.85% to ₹23.59 crore compared to ₹16.63 crore in Q2 FY24.
#### Portfolio and Asset Quality
- The company serves over 2 lakh customers.
- Assets Under Management (AUM): ₹523+ crore.
- Borrowings: ₹240+ crore.
- Gross NPA: 2.86%.
- Net NPA: 1.27%.
A focus on secured lending and proactive risk management has led to a notable reduction in non-performing assets, reinforcing confidence in the company's financial health amidst market challenges.
Recent financial performance highlights an impressive 110% year-on-year profit surge and an 8% increase in assets under management. This growth is bolstered by strong demand and effective cost management. As operational efficiency improves through digital transformation, the company is optimistic about achieving significant growth targets, projecting assets under management to reach ₹1,000 crores by March 2026.
The company has implemented advanced technology solutions for credit assessment and risk management, enabling faster loan processing and improved customer service. Recently, Tourism Finance Corporation sanctioned a ₹10 crore term loan to Akme Fintrade in June 2025.
- As of July 10, 2025:
- Share Price (NSE): ₹7.28
- Market Capitalisation: ₹309.82 Crores
- 52-Week High: ₹12.98
- 52-Week Low: ₹6.42
- P/E Ratio: 9.32
- P/B Ratio: 1.39
- ROE (Return on Equity) over last 3 years: 9.57%
- ROCE (Return on Capital Employed): 14.4%
- Book Value: ₹8.96
- Face Value: ₹1.00
- Chairman: Nirmal Kumar Jain
- Company Secretary: Manoj Kumar
- Auditor: Valawat & Associates
- Stock Symbol: AFIL
- Sector: Financials
- Sub-sector: Consumer Finance
- Listed On: NSE and BSE
The company's strategic focus on rural and semi-urban lending, coupled with strong financial performance and growth projections, positions it as a notable player in the NBFC sector catering to underserved financial markets in India.
