Akme Fintrade (India) Limited today announced its audited financial results for the fourth quarter and full year ended March 31, 2026. The Company delivered robust growth across all key metrics, underpinned by sustained momentum in its vehicle finance portfolio and deepening rural and semi-urban market penetration.
Net Profit (PAT) for FY26 rose 27.35% year-on-year to ₹42.32 Crore, compared to ₹33.23 Crore in FY25. Gross Interest Income expanded 44.63% to ₹142.57 Crore (FY25: ₹98.58 Crore), while Net Interest Income (NII) grew 37.14% to ₹86.19 Crore (FY25: ₹62.85 Crore),
reflecting strong disbursement momentum and effective liability management. Total disbursements for the year crossed the ₹500 Crore mark for the first time in the Company’s history, reaching ₹503.91 Crore.
The loan book (AUM) grew 48.49% to ₹918.60 Crore as at March 31, 2026 (FY25: ₹618.61 Crore), led by strong growth in the vehicle finance segment, particularly used commercial vehicles, two-wheelers, and three-wheelers in Tier II and Tier III markets. The Net Interest Margin (NIM) remained healthy at 12.68% for FY26.
Fourth Quarter FY2025-26 (Q4 FY26)
Q4 FY26 PAT stood at ₹12.27 Crore, registering strong growth of 62.67% year-on-year (Q4 FY25: ₹7.55 Crore) and 18.12% quarter-on-quarter (Q3 FY26: ₹10.39 Crore). Gross Interest Income for the quarter grew 8.78% sequentially to ₹40.54 Crore (Q3 FY26: ₹37.26 Crore). NII grew 14.70% quarter-on-quarter and 38.71% year-on-year, with NIM improving to 12.85% in Q4 FY26 from 11.99% in Q3 FY26.
MANAGEMENT COMMENTARY
“FY26 has been a landmark year for Akme Fintrade. We achieved our best-ever disbursement figures, crossing ₹500 Crore in a single financial year — a milestone that reflects the trust our customers and channel partners place in us. Our AUM crossed the ₹900 Crore milestone, and the vehicle finance portfolio delivered an exceptional 128% year-on-year growth, backed by expanded dealer networks.
Despite elevated funding costs in the first half of FY26, our NIMs stabilised through the second half, a result of disciplined liability management and portfolio mix optimisation. Asset quality remains well within our internal benchmarks, with Gross NPA at 2.93% and Provision Coverage at 52%. With a CRAR of 46.23% — more than three times the regulatory minimum
- and a credit rating upgrade to A–, we are well-positioned to access diversified funding at improved rates. We enter FY27 with strong capital buffers, a growing digital underwriting platform, and a clear runway for continued AUM expansion.”
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Mr. Akash Jain, Chief Executive Officer, Akme Fintrade (India) Limited