Date: July 30, 2026

Financial Performance Overview

Akme Fintrade (India) Limited reported strong unaudited financial results for Q1 FY27 ending June 30, 2026.

Key Financial Metrics

Assets Under Management (AUM):

  • Rs. 965.07 crore as of June 30, 2026
  • Increased 42.96% YoY from Rs. 675.05 crore as of June 30, 2025

Income Metrics:

  • Interest Income: Rs. 41.07 crore (34.17% YoY growth from Rs. 30.61 crore)
  • Net Interest Income (NII): Rs. 23.57 crore (22.25% YoY growth from Rs. 19.28 crore)
  • Net Interest Margin (NIM): 11.77% as of June 30, 2026

Profitability:

  • Profit After Tax (PAT): Rs. 11.57 crore (20.40% YoY growth from Rs. 9.61 crore)
  • EPS: Rs. 0.27 (17.39% YoY growth from Rs. 0.23)

Disbursements:

  • Q1 FY27: Rs. 84.10 crore
  • 19.46% YoY growth from Rs. 70.40 crore in Q1 FY26
  • 12.51% QoQ decline from Rs. 96.12 crore in Q4 FY26

Asset Quality:

  • Gross NPA (GNPA): 2.91% (↓1.00 BPS YoY from 2.92%, ↓2.00 BPS QoQ from 2.93%)
  • Net NPA (NNPA): 1.41% (↓1.00 BPS YoY from 1.42%, unchanged QoQ from 1.41%)
  • Credit Cost: 0.31% (↓91 BPS YoY from 1.22%, ↓16 BPS QoQ from 0.47%)

Capital Position:

  • Capital Adequacy Ratio (CAR): 46.37% (including Tier II Capital)
  • Tier I Capital: 45.54%

Quarterly Comparison Table

| Particular | Q1 FY27 | Q1 FY26 | Y-o-Y (%) | Q4 FY26 | Q-o-Q (%) |

| Disbursements | 84.10 | 70.40 | ↑19.46% | 96.12 | ↓12.51% |

| Gross Interest Income | 41.07 | 30.61 | ↑34.17% | 40.54 | ↑1.31% |

| Net Interest Income | 23.57 | 19.28 | ↑22.25% | 24.50 | ↓3.80% |

| Credit Cost | 0.31% | 1.22% | ↓91 BPS | 0.47% | ↓16 BPS |

| Profit After Tax (PAT) | 11.57 | 9.61 | 20.40% | 12.27 | ↓5.70% |

| GNPA | 2.91% | 2.92% | ↓1.00 BPS | 2.93% | ↓2.00 BPS |

| NNPA | 1.41% | 1.42% | ↓1.00 BPS | 1.41% | 0.00 BPS |

Management Commentary

Mr. Akash Jain, CEO, commented on the results:

  • The company delivered robust performance in Q1 FY27 despite a dynamic and cautious economic environment
  • Focused approach on MSME and vehicle lending segments with disciplined execution drove performance
  • Deep-rooted presence in Rural and Semi-Urban areas and robust demand for vehicle financing supported loan book growth
  • Disciplined risk management and underwriting processes helped maintain robust asset quality despite sector headwinds from elevated fuel costs and ongoing geopolitical tensions in the Middle East
  • Disbursements and profitability showed healthy year-over-year growth

Strategic Initiatives

Akme GreenX Launch:

  • New dedicated program for financing green and sustainable initiatives
  • Focus on clean mobility and energy-efficient assets
  • Part of long-term strategy and commitment to responsible growth
  • Supports India's transition toward a more sustainable economy

Forward Outlook

  • Company remains well-positioned for continued growth
  • Improvement in credit ratings supports fundraising efforts at competitive rates
  • Continued focus on supporting MSMEs and individuals seeking vehicle ownership
  • Expansion of footprint in sustainability financing through Akme GreenX
  • Commitment to leveraging technology to streamline lending processes and enhance customer experience

Company Background

  • BSE and NSE Listed company incorporated in 1996
  • Non-banking finance company (NBFC) offering vehicle and business loans
  • Focus on rural and semi-urban geographies
  • Portfolio comprises Vehicle Finance and Business Finance Products for small business owners
  • Key borrowers: individuals and small business owners requiring vehicle loans and business finance
  • Vehicle financing includes used commercial vehicles, 2-wheeler loans, and used 2-wheeler loans