AFIL
Akme Fintrade (India) financials
- Market cap
- ₹389 Cr
- Sector
- Financial Services
- Calls analysed
- 1
Akme Fintrade Q3 FY25
What went well
- Asset Under Management (AUM) grew by 30% year-on-year to ₹523 crores in Q3 FY25.
- Quarterly Profit After Tax (PAT) increased by 110% year-on-year to ₹8.93 crores, also showing a 9.69% quarter-on-quarter growth.
- Disbursements for Q3 FY25 reached ₹70.12 crores, an impressive 185% year-on-year and 18% quarter-on-quarter growth.
What to watch
- Operational cost increased by 17.69% quarter-on-quarter, primarily due to business expansion and new hiring.
- An analyst raised a concern that the proposed stock split could lead to the shares being perceived as a 'penny stock'.
What Akme Fintrade (India) Limited does
Akme Fintrade (India) Limited is a Non-Banking Finance Company registered with the RBI that lends to rural and semi-urban customers across five Indian states through a hub-and-spoke model run from its Udaipur, Rajasthan registered office and a central support office. It earns interest income by originating and collecting 100% secured loans in-house across vehicle finance (two/three/four-wheelers and light/heavy commercial vehicles), SME loans against property, and farm-equipment loans, sourced through its own branch and point-of-sale network rather than third-party channels. The company has recently received an IRDAI licence to begin insurance sales and distribution and is exploring entry into gold loans as additional cross-sell lines.
Segments
- Two/Three/Four-Wheeler Vehicle Loans
- Commercial Vehicle Loans
- SME / Loan Against Property (LAP)
- Farm Equipment Loans
- Branch network
- 29 branches across 5 states (14 Rajasthan, 3 Maharashtra, 5 Gujarat, 6 Madhya Pradesh, 1 NCR)
- Points of presence
- 30+ locations
- Customers served
- 2,00,000+
- States of operation
- 5
- Staff members
- 300+
- Live loan accounts
- 53,293
Guidance record · Q3 FY25
what the last two calls moved 10 tracked 0 delivered 0 missed 10 open- AUM open said Q3 FY25 Promised: ₹600 crores by the end of March quarter Q3 FY25: Projecting total AUM of Rs. 600 crores by the end of March quarter.
All 10 tracked — every revision, and every one management stopped mentioning.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 31.3%, net profit up 20.0% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 24 | 28 | 29 | 32 | 35 +46% | 40 +43% | 43 +48% | 42 +31% |
| EBITDA | 18 | 21 | 23 | 24 | 27 +50% | — | — | — |
| Net profit | 8 | 9 | 8 | 10 | 10 +25% | 10 +11% | 12 +50% | 12 +20% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance +17.8% 1Y
1Y: ₹7.57 on 10 Sept 2025 → ₹8.92. High ₹10.91 (19 Jun 2026), low ₹4.88 (29 Jan 2026).
Financials, as filed
Revenue grew 43.3% a year over 2 years, FY24 to FY26.
| Year ending | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | ₹73 Cr | ₹102 Cr | ₹150 Cr |
| Operating profit | ₹53 Cr | ₹79 Cr | — |
| Operating margin | 72.6% | 77.5% | — |
| Interest | ₹29 Cr | ₹36 Cr | ₹56 Cr |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Net profit | ₹19 Cr | ₹34 Cr | ₹42 Cr |
| Net margin | 26.0% | 33.3% | 28.0% |
| Cash from operations | ₹-46 Cr | ₹-177 Cr | ₹-167 Cr |
| Free cash flow | ₹-45 Cr | ₹-179 Cr | ₹-174 Cr |
| ROE | 8.0% | 11.0% | 10.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹22 Cr | ₹22 Cr | ₹32 Cr | ₹32 Cr | ₹43 Cr | ₹43 Cr |
| Reserves | ₹108 Cr | ₹115 Cr | ₹173 Cr | ₹192 Cr | ₹359 Cr | ₹381 Cr |
| Borrowings | ₹318 Cr | ₹230 Cr | ₹178 Cr | ₹205 Cr | ₹385 Cr | ₹503 Cr |
| Other liabilities | ₹7 Cr | ₹7 Cr | ₹8 Cr | ₹8 Cr | ₹8 Cr | ₹7 Cr |
| Total liabilities | ₹455 Cr | ₹374 Cr | ₹390 Cr | ₹436 Cr | ₹795 Cr | ₹934 Cr |
| Fixed assets | ₹7 Cr | ₹6 Cr | ₹19 Cr | ₹18 Cr | ₹19 Cr | ₹26 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹1 Cr | ₹4 Cr |
| Other assets | ₹448 Cr | ₹368 Cr | ₹371 Cr | ₹418 Cr | ₹774 Cr | ₹904 Cr |
| Total assets | ₹455 Cr | ₹374 Cr | ₹390 Cr | ₹436 Cr | ₹795 Cr | ₹934 Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, the public added +3.52 pp while promoters trimmed −2.22 pp. The shareholder count grew 21% to 36,945.
- Promoters
- 39.0%
- FIIs
- 0.3%
- DIIs
- 1.9%
- Public
- 58.7%
Since Jun 2025
- Public +3.52 pp
- Promoters −2.22 pp
- DIIs −0.91 pp
How it drifted, 9 quarters
Over this window the public went from 49.5% to 58.7% — +9.2 pp.
Ownership split by quarter, oldest first. Jun '24: Promoters 41.6%, FIIs 5.8%, DIIs 3.2%, Public 49.5%.Sep '24: Promoters 41.6%, FIIs 3.5%, DIIs 3.1%, Public 51.8%.Dec '24: Promoters 41.6%, FIIs 1.1%, DIIs 3.1%, Public 54.2%.Mar '25: Promoters 41.2%, FIIs 0.8%, DIIs 3.0%, Public 55.0%.Jun '25: Promoters 41.2%, FIIs 0.8%, DIIs 2.9%, Public 55.1%.Sep '25: Promoters 41.2%, FIIs 0.6%, DIIs 2.8%, Public 55.4%.Dec '25: Promoters 41.2%, FIIs 0.4%, DIIs 2.8%, Public 55.6%.Mar '26: Promoters 39.5%, FIIs 0.6%, DIIs 1.9%, Public 57.9%.Jun '26: Promoters 39.0%, FIIs 0.3%, DIIs 1.9%, Public 58.7%.
Who bought this quarter
since Mar 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- Mangala Subhash Rathod newly disclosed 2.06% held
- L7 Hitech Private Limited newly disclosed 1.72% held
- Surendra Fiscal Services newly disclosed 1.14% held
- Subhash Phootarmal Rathod +1.01 pp 7.98% held
- Sangam E-Com Limited +0.47 pp 1.64% held
- Sahi Logistics & Infra Private Limited +0.42 pp 2.05% held
The same filing shows 0 holders trimming and 1 off the list — both are in the register beside this.
Who is on the register
Named in the Jun 2026 filing
Every holder of Akme Fintrade (India) Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Nirmal Kumar Jain | 26.74% | unchanged |
| Subhash Phootarmal Rathod | 7.98% | +1.01 pp |
| Manju Devi Jain | 4.96% | unchanged |
| Nirmal Kumar Jain Huf | 2.99% | unchanged |
| Mangala Subhash Rathod | 2.06% | newly disclosed |
| Sahi Logistics & Infra Private Limited | 2.05% | +0.42 pp |
| Sb Opportunities Fund I AIF | 1.95% | unchanged |
| Dipesh Jain | 1.87% | unchanged |
| L7 Hitech Private Limited | 1.72% | newly disclosed |
| Sangam E-Com Limited | 1.64% | +0.47 pp |
| Jenisha Jain | 1.15% | unchanged |
| Surendra Fiscal Services | 1.14% | newly disclosed |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Learn to analyse Akme Fintrade (India) Limited
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