Akme Fintrade (India) Limited — PPTs, 20-11-2025: Investor Presentation

**Business Performance:** Akme Fintrade delivered strong H1 FY26 results, with Assets Under Management (AUM) surging 54.80% YoY to ₹767.46 Cr and Profit After Tax (PAT) climbing 17.32% YoY to ₹19.66 Cr. Disbursements also saw a robust 135.35% YoY increase to ₹227.62 Cr. Growth was primarily fueled by vehicle loans, with two-wheeler loans up 256.07% and commercial vehicle loans up 245.56%.

**Growth Drivers or Strategy:** The company is prioritizing expansion of its vehicle loan portfolio and dealer network. Strategic initiatives include exploring the high-potential Gold Loans segment and launching Insurance Sales & Distribution, leveraging its newly acquired IRDAI License to diversify revenue streams. Geographical expansion and technology adoption are also key focus areas.

**Recent Developments:** Notable recent developments include receiving an IRDAI License in November 2025 and entering into an agreement for EV financing. The company also implemented a 1:10 stock split.

**Key Financial Metrics:** H1 FY26 saw an Earnings Per Share (EPS) of ₹0.46 (up 2.22% YoY) and Net Interest Margin (NIM) at 12.81% (up 44 Bps). The Capital Adequacy Ratio remained strong at 51.68%, with Net Stage 3 Assets improving to 1.43%.

**Management Commentary / Outlook:** Management has set an ambitious AUM target of ₹950 Cr for FY26. Their long-term vision aims to serve 5 million customers by 2030, positioning Akme Fintrade as India's premier rural-centric digital lending platform.