Akme Fintrade (india) Limited · NSE:AFIL
Akme Fintrade (india) — H1 FY26 Earnings Presentation
24 slides from Akme Fintrade (india)'s earnings presentation, Nov 20, 2025
Slide 1: Exchange filing cover letter
Date: 20th November, 2025 National Stock Exchange of BSE Limited India Limited (NSE) Phiroze JeejeeBhoy Tower, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai – 400 001 Bandra, Mumbai – 400 051 Scrip Code: 544200 Symbol: AFIL Subject: Investor Presentation for the quarter en
Slide 2: Akme Fintrade (India) Limited H1FY26 Investor Presentation
Akme Fintrade (India) Limited Aasaan Loan Unnati Ki Aur Pehala Kadam H1FY26 INVESTOR PRESENTATION
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by Akme Fintrade (India) Limited (the “Company” or “Akme” or “AFL”) solely for information purposes and does not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on
Slide 4: Company Snapshot
Company Snapshot Akme Fintrade (India) Limited, a RBI registered, leading Non-Banking Finance Company (NBFC) dedicated to transforming rural and semi-urban finance in India. 5 States 29 BRANCHES Branches Points of Rajasthan Presence 62% Maharashtra Rajasthan 16% 30 + 1. Jaipur 8. Gangapur Point of P
Slide 5: H1FY26 – Performance That Defines the FY26 Roadmap
H1FY26 – Performance That Defines the FY26 Roadmap Scale of Granular Asset Liability Liability Operations Distribution Book Quality Profile Profile ₹767.46 Cr 29 100% Secured 2.96% 22 ₹ 19.66 Cr AUM in FY26 Number of Loan Book H1 FY26 Lender PAT for H1 FY26 54.80% growth Y-o-Y Branches Gross Stage 3
Slide 6: H1 FY26 – Robust Performance Show
H1 FY26 – Robust Performance Show AUM Disbursement Net Worth ₹767.46 Cr ₹227.62 Cr ₹401.92 Cr (54.80% up YoY) (135.35% up YoY) (12.60% up YoY) Gross Interest Net Interest Profit After Tax Income Income ₹64.77 Cr ₹40.33 Cr ₹19.66 Cr (51.38% up YoY) (49.30% up YoY) (17.32% up YoY) ROE EPS ROAA 10.03 %
Slide 7: H1 FY26 - Financial Highlights
H1 FY26 - Financial Highlights Profit and Loss Statement Profit & Loss for the Period H1 FY26 (₹ Cr) H1 FY25 (₹ Cr) Change Interest Income 64.77 42.79 51.37% Interest Expense 24.44 15.78 54.88% Other Operating Income 2.04 2.56 -20.31% Total Income 42.37 29.57 43.29% Impairment of Financial 2.93 0.87
Slide 8: Disciplined Focus, Proven Profitability
Disciplined Focus, Proven Profitability Ratio H1 FY26 H1 FY25 Change Item H1 FY26 H1 FY25 PBT ₹26.15 Cr ₹19.20 Cr ↑ 35.35% Total Assets 794.67 Cr 567.85 Cr PAT ₹19.66 Cr ₹16.75 Cr ↑ 17.32% Loan Assets 677.76 Cr 470.11 Cr EPS ₹0.46 ₹0.45 ↑ 2.22% Borrowings 384.84 Cr 203.96 Cr NIM 12.81% 12.37% ↑ 44 B
Slide 9: Rising Loan Portfolio Showcases Our Reach and Market Momentum
Rising Loan Portfolio Showcases Our Reach and Market Momentum Product H1 FY26 (₹ Cr) H1 FY25 (₹ Cr) Growth Two Vehicle Loan 227.49 63.89 ↑ 256.07% Commercial Vehicle Loan 182.63 52.85 ↑ 245.56% SME/LAP 357.34 369.05 ↓3.17% Total 767.46 485.79 ↑57.98% INVESTOR PRESENTATION 8
Slide 10: Akme Fintrade Journey: Key Events and Milestones
Akme Fintrade Journey : Key Events and Milestones Year 1996 Year 2023 Ideation & Company formation Year 2021 • Formally inducted professional KMPs in Rajasthan Year 2015 - 2016 Effectively managed loan to drive Business and inducted 3 Year 1997 • Achieved AUM of ₹84crs. and portfolio senior bankers
Slide 11: Aasaan Loans Products
Aasaan Loans Products Aasaan Aasaan Saral Aasaan Loan Aasaan Aasaan Mahila Vehicle Loan Udyog Loan Against Property Farm Equipment Loan Udyog Loan On-road finance for new Secured loans against Secured loans to meet Convenient financing for Empowering financial and used two, three and property for bu
Slide 12: Business Operations
Business Operations Hub and Spoke Model Enterprise Wide Integration Retail Operations : Conducted through Loan management system : registered office in Udaipur, Rajasthan. Integrated platform for all activities and functions Branch Network : 14 branches in Rajasthan, 3 in Maharashtra, 5 in Gujrat, 6
Slide 13: Strengths
Strengths Proven Execution Capabilities in Well-Established Vehicle Rural and Semi-Urban Finance and Small Business Geographies Lending Stable and Stable and Experienced Experienced Management Team Management Team Robust Underwriting Hub and Spoke Business COMPETITIVE Process and Risk Model for Effi
Slide 14: Our Partners
Our Partners INVESTOR PRESENTATION 13
Slide 15: Well-Defined H1FY26 Strategies to Propel Future Growth
Well-Defined H1FY26 Strategies to Propel Future Growth Key focus on Vehicle Loans Expanding in new geographies Exploring Opportunities in Gold Adopting new technologies Loans Launching Insurance Sales & Expanding sustainability financing Distribution Focus on Increasing dealer Planning to raise fund
Slide 16: Vehicle Loan – Huge Opportunity – Prime Focus
Vehicle Loan – Huge Opportunity – Prime Focus • The overall two-wheeler financing market reached ₹1.64 lakh crore NBFC Dominates the 2 & 3 Wheeler loan market as of March 31, 2025, and is expected to grow by 18%-19% in FY26 • Flexible and customer-centric business model • Government initiatives and
Slide 17: Gold Loans – Tapping Into a High-Opportunity Business Space
Gold Loans – Tapping Into a High-Opportunity Business Space A big opportunity for Akme Fintrade leveraging Household Gold. Market Drivers • Indian households hold an estimated 25,000-27,000 tonne of gold worth ~₹135 Lakh Cr - unmonetized, providing substantial untapped potential • Rising Gold Prices
Slide 18: Growth Drivers: Launching Insurance Sales & Distribution
Launching Insurance Sales & Distribution; Unlocking New Growth Horizons Favourable Interest Rate Outlook - A front-loaded 100 bps repo rate cut in CY25 is set to enhance margins • Received IRDAI License on November 10, and profitability, creating a supportive environment to expand into insurance 202
Slide 19: Forward Focus: Navigating Towards Success
Forward Focus : Navigating Towards Success 1 2 3 Tailored credit solutions & financial Entering high growth Enhance dealer network empowerment potential gold loan and to double the current relationship for untapped rural & semi-urban markets insurance vertical 4 5 6 Sustainable growth Ambitious targ
Slide 20: Historic Financial Highlights
Historic Financial Highlights AUM Product Wise (₹ Cr) Disbursement Product Wise (₹ Cr) 400 350 300 250 200 150 100 50 0 FY2022 (A) FY2023 (A) FY2024 (A) FY2025 (A) In Times INVESTOR PRESENTATION 19
Slide 21: Key Financial Highlights
Key Financial Highlights INVESTOR PRESENTATION 20
Slide 22: The Story At A Glance
The Story At A Glance Investment Rationale Seasoned and Vision-Driven Leadership Strong management team with deep industry experience, driving consistent growth and operational excellence. Expanding Footprint Across Tier II & Tier III Markets • Robust dealer network across five key states • Growing
Slide 23: Performance on Bourses
PERFORMANCE ON BOURSES BSE CODE: 544200 | ISIN: INE916Y01027 Share Holding Pattern As on 19-11-2025 As on 30-09-2025 Share Price (₹) 7.80 52 Week High-Low (₹) 11.04 – 6.38 41.20% Promoter & Promoter Group Market Capitalization (₹ Cr) 332.44 DII Issue Price (₹) 120.00 55.42% FII NII No. of Shares 42,
Slide 24: Thank You
AKME FINTRADE (INDIA) LTD Mr. Manoj Chobisa Company Secretary and Compliance Officer +91 8107763505 cs@akmefintrade.com | https://akmefintrade.com/ care@akmefintrade.com | 9594 377 377 | www.akmefintrade.com Investor Relation and Public Relation Fortuna Public Relations Private Limited THANK YOU
Akme Fintrade (India) — H1 FY26 Earnings Presentation on 6ix