Akme Fintrade (india) Limited · NSE:AFIL
Akme Fintrade (india) — Q4 FY25 Earnings Presentation
26 slides from Akme Fintrade (india)'s earnings presentation, May 17, 2025
Slide 1: Exchange filing cover letter for investor presentation
Date: 17th May, 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 Presenta on for the Quarter and Year
Slide 2: Q4 & FY25 Investor Presentation
( ( Q4 & FY25 Investor Presentation FY25 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: Performance At a glance
Performance At a glance
Slide 5: Q4 & FY25
Q4 & FY25 Scale of Distribution Granular Book Asset Quality Liability Profile Liability Profile Operations 618.61 Cr 29 100% Secured 2.77% 21 ₹ 33.23 Crs AUM in FY25 Number of Branches Loan Book FY25 Lender relationships PAT for FY25 45.33% growth Y-o-Y Gross Stage 3 Assets 79.35% growth Y-o-Y ₹253.
Slide 6: Company Overview
Company Overview
Slide 7: Company Overview
Company Overview SCALE ASSET PROFILE CREDIT QUALITY LIABILITY PROFILE PROFITABILITY 618 CR+ 618 CR+ 2.77% 280 CR+ Return on average Total AUM Secured GNPA Borrowings asset 5.98% BBB + Stable Rating 10.98% ROAE 29 Branches 30 + Points of Sales 1.27% NNPA on Long term Instrument Akme Fintrade (India)
Slide 8: Akme Fintrade – Leadership Pillars
Akme Fintrade – Leadership Pillars Mr. Nirmal Kumar Jain Mr. Akash Jain Ms. Rajni Gehlot Mr. Shiv Prakash Shrimali CMD Chief Executive Officer Chief Financial Officer Chief Operating Officer Mr. Nirmal Kumar Jain, a seasoned With over 20 years of experience, a Ms. Rajni Gehlot, a qualified Chartered
Slide 9: Stewarding Growth: Aasaan Loans Team
Stewarding Growth: Aasaan Loans Team Mr. Suresh Chandra Gupta |Chief Risk Officer Retired Senior Bank Manager with 36+ years' experience, excelled as Mr. Rajendra Chittora | Executive Director Head of Credit Department. Expertise in legal matters, court cases, He is a qualified Executive Director wi
Slide 10: Aspirations in Actions Aasaan
Aspirations in Actions Aasaan l MISSION VISION To empower people via financial inclusion & To be ideal online platform where everyone is able to understanding, helping them to make sound get fast monetary assistance & unique solutions to their borrowing decisions financial requirements Core Value TR
Slide 11: Aasaan Loans Journey: Key Events and Milestones
Aasaan Loans Journey : Key Events and Milestones Year 1996 Year 2023 Ideation & Company formation in Rajasthan Year 2021 Formally inducted professional KMPs to drive Year 1997 Year 2015 - 2016 Effectively managed loan portfolio Business and inducted 3 senior bankers and Conversion to a Public Limite
Slide 12: India's Loan Sector: Opportunities and Growth
India's Loan Sector : Opportunities and Growth T d Total Loan Mortgage Loan Pᵉʳˢᵒⁿᵃˡ Loᵃⁿ Significant opportunities exist for Aasaan Loans to expand its presence in rural banking, given the large underbanked population and rising incomes in these areas. Aligning offerings with government financial i
Slide 13: Target Group & Products
Target Group & Products Credit Exposure (As of March 2025): ₹228.04 Cr (39.24% of total Exposer) Customer Profile: Transport operators | Small businesses |Self-employed | Salaried individuals Small Business Owners Vehicle Finance Medium and small fleet operators (LCVs), (HCVs) Asset Financing: Two-W
Slide 14: Aasaan Loans Products
Aasaan Loans Products Aasaan Vehicle Aasaan Saral Aasaan Loan Aasaan Aasaan Mahila Loan Udyog Loan Against Property Farm Equipment Loan Udyog Loan On-road finance for new and Secured loans against Secured loans to meet Convenient financing for Empowering financial used two, three and four property f
Slide 15: Our Extensive Network
Our Extensive Network Registered Office : Udaipur, Rajasthan. Corporate Office : Mumbai, Maharashtra 4 243 States Staff Members 29 30 + BRANCHES Branches Points of Presence Rajasthan 1.Jaipur 9. Gangapur 2.Jodhpur 10. Reodar 2,00,000+ 3.Sagwara 11. Kumbhalgarh Customers Served 4.Banswara 13. Sabla 5
Slide 16: Business Operations
Business Operations Enterprise Wide Integration Hub and Spoke Model Loan management system : Integrated Retail Operations : Conducted through registered platform for all activities and functions office in Udaipur, Rajasthan. Branch Network : 16 branches in Rajasthan, 3 in Efficiencies : streamlining
Slide 17: Lending Operations
Lending Operations Screening Evaluation Approval Scanning & Monitoring Loan Origination Preparation of initial Preparation of final Preparation of credit memorandum credit memorandum transaction documents Discussion between of our business teams Preparation of Review Execution proposal to corporate
Slide 18: Strengths
Strengths Proven Execution Capabilities in Well-Established Vehicle Finance Rural and Semi-Urban Geographies and Small Business Lending Stable and Experienced Stable and Experienced Management Team Management Team Hub and Spoke Business Model Robust Underwriting Process for Efficiency COMPETITIVE an
Slide 19: Financial Overview
Financial Overview
Slide 20: Key Financial Highlights
Key Financial Highlights Disbursement Product Wise AUM Product Wise Vehicle Loan SME/LAP Loan Vehicle Loan SME/ LAP 400 200 300 150 100 200 50 100 0 0 FY 2022 (A) FY 2023 (A) FY 2024 (A) FY 2025(A) FY 2022 (A) FY 2023 (A) FY 2024 (A) FY 2025(A) Capital Adequacy Ratio (%) Debt to Equity 60 2.0 50 1.5
Slide 21: Key Financial Highlights
Key Financial Highlights Net Interest Margin (NIM) GNPA (%) NNPA(%) 14 5 12 4 10 3 8 6 2 4 1 2 0 0 FY 2022 (A) FY 2023 (A) FY 2024 (A) FY 2025(A) FY 2022 (A) FY 2023 (A) FY 2024 (A) FY 2025(A) Net Worth (₹ in Crore) ROA (%) 400 6 5 300 4 200 3 2 100 1 0 FY 2022 (A) FY 2023 (A) FY 2024 (A) FY 2025(A)
Slide 22: Key Financial Highlights Q4FY25
Key Financial Highlights Q4FY25 Profit and Loss Statement ₹ in Crore Particulars FY25 FY24 Change Interest Income 98.58 69.66 41.52% Interest Expense 35.73 28.28 26.33% Other Operating Income 4.14 3.85 7.71% Total Income 66.99 45.22 48.15% Impairment of Financial Instruments 2.94 5.70 -48.43% Employ
Slide 23: Key Financial Highlights
Key Financial Highlights Balance Sheet Summary ₹ in Crore Balance Sheet as on 31/03/25 31/03/24 Loan Assets 564.91 390.80 Other Assets 110.45 45.25 Total Assets 675.36 436.05 Borrowings 281.77 204.78 Other Liabilities 11.38 8.03 Total Liabilities 293.15 212.81 Total Equities 382.21 223.24
Slide 24: Strategic Focus Areas
Strategic Focus Areas Product Diversification and Technology integration Focus on Small Business owners Cross – Selling Opportunities for Business Growth and Self- Employed individuals Leveraging Network : Utilizing branch Automated Systems: Upgrading technology for Market Focus : targeting emerging
Slide 25: Forward Focus: Navigating Towards Success
Forward Focus : Nav igating Towards Success 1 2 3 Tailored credit solutions & financial Cutting-edge technology Customer-centric ethos empowerment & data analytics driving fostering trust & loyalty to drive lower for untapped rural & semi-urban markets strategic insights cost of customer acquisition
Slide 26: Thank You
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
Akme Fintrade (India) — Q4 FY25 Earnings Presentation on 6ix