Feb 09: Akme Fintrade (India) Limited (AFIL) has registered a 16.35% growth in net profit at ₹ 10.39 Crore for the quarter ended December 31, 2025, as against ₹ 8.93 Crore in the same period last year on the back of higher disbursements of vehicle loans.
Q3FY26: Gross interest income increased by 38.26% at ₹ 37.26 Crore for the quarter under review, as compared with ₹ 26.95 Crore registered in the same period last year. The company’s net interest income grew by 17.49% over previous qtr at ₹ 21.36 Crore.
AUM increased by 12.40% at ₹ 95.16 Crore during this quarter backed by a steady demand for loans particularly from vehicle segment.
9MFY26: Gross interest income increased by 46.31% at ₹ 102.04 Crore for the nine months period under review, as compared with ₹ 69.74 Crore registered in the same period last year. The company’s net interest income grew by 36.51% at ₹ 61.69 Crore during the period under review.
AUM increased by 39.44% at ₹ 244.01 Crore in 9MFY26 as compared to March 2025. The total AUM stands at ₹ 862.62 Crore, a growth of 64.58% over ₹ 524.13 Crore in the same period last year.
For the nine months ended December 31, 2025, net profit increased by 16.98% at Rs 30.05 Crore as compared to ₹ 25.69 Crore during same period last year.
Commenting on the results, Mr. Akash Jain, CEO, Akme Fintrade, said,
“There has been a steady growth in our AUM backed by a good demand for loans across vehicle and SME/LAP segments in the rural and semi urban markets. Our well entrenched presence and deep understanding of these markets have helped us tap the demand effectively through our suite of offerings catering to customers in these regions. We recently forayed into the gold loan business and life insurance products, which is also expected to further shore up our business moving forward. With Government of India’s impetus to create a more reliable, stable and alternate access to funds other than bank borrowings, adequate liquidity available in the form of capital and a strong asset quality we are well positioned to capitalise on the untapped potential for credit in the Tier II and Tier III markets in the coming quarters.”
Key Financials:
In Q3FY26, the company reported a net profit of ₹10.39 crore, reflecting a 16.35% increase over ₹8.93 crore in Q3FY25. For the nine months ended December 31, 2025, net profit stood at ₹30.05 crore, up 16.98% from ₹25.69 crore in the same period last year. Gross interest income grew 38.26% year-on-year to ₹37.26 crore in the quarter and 46.31% to ₹102.04 crore for 9MFY26. Net interest income rose 17.49% to ₹21.36 crore in Q3FY26 and 36.51% to ₹61.69 crore in 9MFY26. Asset under management (AUM) expanded 64.58% year-on-year to ₹862.62 crore. Net interest margin (NIM) moderated to 11.99% in the quarter and 12.39% for 9MFY26, compared with 15.06% and 13.41% respectively in the previous year. Asset quality remained stable, with gross NPA at 2.94% and net NPA at 1.43%, slightly improved over the previous year. Return on assets (ROAA) and return on equity (ROAE) were at 4.96% and 10.46% respectively in Q3FY26, while 9MFY26 ROAA and ROAE stood at 5.15% and 10.09%.
The NBFC recently entered into a Corporate Agency Agreement with Axis Max Life Insurance Limited to solicit and procure life insurance products on behalf of the insurer. Through this strategic partnership, Akme Fintrade will leverage its nationwide customer base to tap cross-selling opportunities in the life insurance segment, thereby expanding its non-interest income portfolio. The initiative is expected to contribute to incremental operating income and support improvement in the company’s overall profitability, while strengthening the diversity and resilience of its revenue streams, Jain said.
Applauding the government on the recent measures announced in the Union Budget 2026-27, he said, the introduction of a dedicated ₹ 10,000 Crore SME Growth Fund and the ₹ 2,000 Crore top-up to the Self-Reliant India Fund would go a long way in providing a strong structural boost to the country’s MSME sector.
“The government has also maintained its continuous focus on boosting agricultural cash flows through introduction of various rural infrastructure and farmer welfare programs which are likely to translate into a higher rural demand particularly for vehicles and small businesses. As an NBFC offering loans in semi-urban and rural geographies, we believe these measures will not only help improve credit flow but will deepen financial inclusion at the grassroots level,” he pointed out.