Akiko Global Services Ltd. · NSE:AKIKO
Akiko Global Services — Investor Presentation (December 2025)
33 slides from Akiko Global Services's investor presentation, Dec 1, 2025
Slide 1: Intimation under Regulation 30 - Investor Presentation
AKIKO GLOBAL SERVICES LIMITED Date: 01-12-2025 To, National Stock Exchange of India Ltd Exchange Plaza, 5th Floor | Plot No. C/1, G Block Bandra - Kurla Complex Bandra (E), Mumbai - 400051 Symbol: AKIKO ISIN: INE0PMR01017 Sub: Intimation under Regulation 30 of the Securities and Exchange Board of In
Slide 2: Achieving Global Excellence
AKIKO GLOBAL SERVICES LIMITED ACHIEVING GLOBAL EXCELLENCE Investor Presentation December 2025 NSE-SME : AKIKO
Slide 3: Safe Harbour
Safe Harbour This presentation and the information contained herein have been prepared by Akiko Global Services Limited (the "Company") solely for informational purposes. It does not constitute or form part of any offer or invitation to sell or issue, or any solicitation of any offer to purchase or
Slide 4: Mission & Vision
Mission & Vision MISSION We aim to becomes the largest assets financing company in the country tomorrow, so we began the smallest dream today VISION To advance a work culture that encourages singular development, solidarity, and innovation to conquer difficulties and accomplish objectives. To suppor
Slide 5: Message From The Founder
Message From The Founder ANKUR GABA Founder and Promoter • When I started Akiko Global Services Limited, the goal was clear: financial products like credit cards, loans, and insurance should be easy for every individual to understand and access. We recognized a major gap between financial institutio
Slide 6: Company Overview
Company Overview Founded in 2018 Headquartered in New Delhi, India Akiko Global Services Ltd. is a technology-driven financial distribution platform specializing in consumer credit products, including credit cards, personal loans, business loans, and home loans. By leveraging a semi-digital, semi-pe
Slide 7: Our Journey
Our Journey Incorporated as a 2018 financial product distributor. Expanded operations to over 2,000 kiosks, building a robust 2020 offline and digital acquisition platform. Secured approval for 2023 1.6 lakh credit cards through AKIKO Consolidated subsidiaries under the Akiko umbrella to 2024 integr
Slide 8: Meet Our Team
Meet Our Team ANKUR GABA Founder & Promoter Mr. Ankur Gaba, is the Promoter and Business Development Head of Akiko. With over 20 years of experience in the financial industry, he has been instrumental in shaping the company’s strategic direction since inception. A hands-on leader, Mr. Gaba drives in
Slide 9: Board of Directors Overview
Board of Directors Overview ANKUR GABA Business Development Head PRIYANKA DUTTA Managing Director PUNEET MEHTA Promoter RICHA ARORA Director & Chief Financial Officer GURJEET SINGH WALIA Executive Director JAGJIT SINGH Independent Director TARUN GAHLOT Independent Director NAVEEN GUPTA Non Executive
Slide 10: Revenue Model
Revenue Model LOANS CREDIT CARDS Commissions earned on the disbursal Flat fee per card activation, earned value of loans — primarily personal from partner banks/NBFCs. loans and business loans Average commission: ~3- 4% of the Average commission per card: loan amount (e.g., ₹35,000 on a ₹10 ₹2,800–₹
Slide 11: Introducing AkikoPay — The Super App by Akiko
Introducing AkikoPay — The Super App by Akiko AKIKOPAY: A DIGITAL LEAP TOWARD A FULL-STACK FINANCIAL ECOSYSTEM One App. Infinite Opportunities. A next-generation financial & lifestyle super app built on Akiko’s 25M+ user base. Integrates payments, credit, travel, insurance & investments in a single
Slide 12: Rollout Timeline and AkikoPay Integrated Feature Stack
Rollout Timeline AKIKOPAY: A DIGITAL LEAP TOWARD A FULL-STACK FINANCIAL ECOSYSTEM PHASE 1 PHASE 2 DECEMBER 2025 MARCH 2026 Digital Wallet & Rupay Prepaid Card UPI & QR payments Insurance stack: health, motor, Bills, recharges & vouchers life, travel Air, bus, rail & hotel bookings Mutual funds & SIP
Slide 13: Business Model — Risk-Light & Scalable; Year 1 Financial Projections
Business Model — Risk-Light & Scalable AI-led engagement Partner banks/NBFCs increases repeat usage & handle underwriting — no cross-sell opportunities. balance-sheet exposure. Revenue Travel monetization Model: AkikoPay drives customer through booking fees & High-Margin, acquisition, onboarding & a
Slide 14: Market Opportunity & TAM
Market Opportunity & TAM MASSIVE MULTI-CATEGORY MARKET OPPORTUNITY UPI PAYMENTS $3T opportunity by 2026 CREDIT CARDS 110M users, 20% YoY growth LOANS ₹50+ lakh crore across PL, MSME & Home Loans INSURANCE <4% penetration with rapid digital adoption MUTUAL FUNDS ₹70 lakh crore AUM; growing at 18% CAG
Slide 15: AkikoPay Competitive Advantage
AkikoPay Competitive Advantage WHAT SETS AKIKOPAY APART 25M+ existing users with rich credit Integrated digital + assisted & behavioural signals. acquisition funnel → near-zero CAC. Trusted partnerships with leading AI-driven personalization to banks, NBFCs & insurers. maximize user engagement. Unif
Slide 16: Customer Acquisition Model
Customer Acquisition Model • WhatsApp, SMS, Instagram, YouTube advertising campaigns. Digital Marketing • Uses proprietary database + bureau data to target high-quality leads. • Semi-personal approach to convert digital leads. Call Centers • High conversion due to trained salesforce. • Over 2000+ ki
Slide 17: Products & Services
Products & Services CREDIT CARDS Extensive range of credit card offerings from leading private and PSU banks. Tailored acquisition strategies to match customer profiles (salary, usage, rewards preferences). High-value commissions per card activation (₹2,800–₹4,000). Personal & Business Loans Sourcin
Slide 18: Segment-Wise Business Breakdown
Segment-Wise Business Breakdown – Akiko Global Services Ltd. CURRENT CONTRIBUTION & SEGMENT DESCRIPTION REVENUE MODEL COMMENTS 1 Personal & Unsecured loans offered ~ 3 - 4% Major revenue Business to salaried individuals, commission on loan contributor; part of Loans Loans self-employed disbursal 50–
Slide 19: Key Customers & Partnerships
Key Customers & Partnerships 1 COMMISSION STRUCTURE 2 NBFC Relationships 3 Credit Bureau Partner 18
Slide 20: Key Differentiators and Key Achievements to Date
Key Differentiators Profitable, Proprietary 98% staff Strong Proven ability commission- customer retention partnerships to scale based database and ensures with banks operations revenue high-quality consistent and NBFCs. while model with digital execution maintaining no-burn marketing. and low finan
Slide 21: Competitive Advantages
Competitive Advantages TARGETED DIGITAL ACQUISITION Akiko employs a multi-channel digital strategy, including tele-calling, corporate activities, feet-on-street, and digital marketing, to acquire customers efficiently. This approach allows for precise targeting and higher conversion rates compared t
Slide 22: Growth Drivers
Growth Drivers PRODUCT DIVERSIFICATION Expansion into insurance and mutual funds enables deeper customer engagement and broader wallet share. BUSINESS CONSOLIDATION Integration of subsidiaries and Dubai operations enhances operational efficiency and contributes to revenue growth. SCALABLE DIGITAL LE
Slide 23: Strategic Vision, Growth Roadmap & Future Offerings
Strategic Vision, Growth Roadmap & Future Offerings 10-Year Goal: Transform into a full-service banking institution Revenue Targets - YoY FY 26: ₹160 Cr FY 27: ₹ 300Cr Digital-First Focus: Enhance CRM, analytics, and consent-driven marketing Operational Efficiency VISION & Tight cost control LONG-TE
Slide 24: Market Opportunity
Market Opportunity INDUSTRY SIZE & GROWTH POTENTIAL INDIAN CONSUMER LENDING MARKET The Indian consumer lending market is projected to grow from USD 59.5 billion in 2025 to USD 210 billion by 2031, representing a robust CAGR of approximately 23.45%. https://www.techsciresearch.com/report/india-consum
Slide 25: Financial Performance
Financial Performance ₹76.3 crore in FY25 Growth from FY24 (Standalone): ~97% YoY increase (from ₹32.2 crore in FY24 to ₹63.45 crore in FY25). FY25 REVENUE (CONSOLIDATED) ₹7.39 crore in FY25 YoY growth from FY24 (Standalone): ~58.83% increase (from ₹3.75 crore in FY24 to ₹5.96 crore in FY25 standalo
Slide 26: Financials Highlight - Standalone Income Statement
Financials Highlight STANDALONE INCOME STATEMENT Particulars (Rs. In Mn) FY22 FY23 FY24 FY25 Revenue From Operations 135.19 395.81 321.99 634.51 Other Income 0.14 0.09 1.96 1.01 Total Revenue 135.33 395.90 323.96 635.52 Total Expenses excluding Finance cost & Depreciation 123.50 332.66 270.26 543.46
Slide 27: Financials Highlight - Standalone Balance Sheet
Financials Highlight STANDALONE BALANCE SHEET Particulars (Rs. In Mn) As On 31st Mar 22 As On 31st Mar 23 As On 31st Mar 24 As On 31st Mar 25 Assets PP&E 5.37 6.43 4.71 17.21 Other Intangible Assets - - - 21.85 Right To Use Assets - - - - Capital Work In Progress - - - - Loans - - - 2.37 Non Current
Slide 28: Financials Highlight - Key Financial Metrics
Financials Highlight (Rs. In Mn) Key Financial Metrics Revenue from Operations Working Capital Days 700.00 100 634.51 89 90 600.00 80 74 500.00 70 63 395.81 60 400.00 50 321.99 50 300.00 40 200.00 30 135.19 20 100.00 10 - 0 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 PAT & PAT Margin EBITDA & EBITDA Mar
Slide 29: Financials Highlight - Consolidated Income Statement
Financials Highlight CONSOLIDATED INCOME STATEMENT Particulars (Rs. In Mn) H2FY25 H1FY25 H-o-H FY25 FY24 Revenue From Operations 573.52 189.50 2.03 763.02 - Other Income 0.50 0.51 1.01 - Total Revenue 574.02 190.01 2.02 764.03 - Total Expenses excluding Finance cost 490.96 156.73 647.69 - & Deprecia
Slide 30: Financials Highlight - Balance Sheet
Financials Highlight STANDALONE BALANCE SHEET Particulars (Rs. In Mn) As On 31st Mar 25 *As On 31st Mar 24 Assets PP&E 23.86 - Other Intangible Assets 21.85 - Goodwill 5.41 Right To Use Assets 0.00 - Capital Work In Progress 0.00 - Loans 0.00 - Non Current Investments 2.37 - Other Non-Current Assets
Slide 31: Financials Highlight - Cash Flow and Key Metrics
Financials Highlight STANDALONE BALANCE SHEET Particulars (Rs. In Mn) As On 31st Mar 24 As On 31st Mar 25 Cash flow from Operations Activities (269.23) - Cash flow from Investing Activities (66.46) - Cash flow from Financing Activities 361.54 - Net Change in Cash and Cash Equivalents 25.84 - KEY FIN
Slide 32: Compliance
Compliance DATA PRIVACY AND SECURITY 31
Slide 33: Thank You
THANK YOU For further information on the Company, please visit https://www.themoneyfair.com/ Contact: 011 4010-4241 Email: support@akiko.co.in INVESTOR RELATIONS ADVISOR Captive IR Strategic Advisors Pvt. Ltd Krunal Shah / Vinayak Shirodkar Contact: +91 88282 97287 Email: Krunal@cap-ir.com / Vinayak
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