AFIL Q3FY26 PAT up 16.35% to ₹10.39 Cr; AUM surges 64.58% to ₹862.62 Cr
Akme Fintrade (AFIL) reported a 16.35% rise in Q3 FY26 net profit to ₹10.39 Cr and a 16.98% increase for 9MFY26 to ₹30.05 Cr. Assets Under Management (AUM) surged 64.58% YoY to ₹862.62 Cr. The company also entered a strategic partnership with Axis Max Life Insurance.
The financial results show strong growth, particularly in AUM. The diversification into insurance and gold loans, coupled with positive market outlook and government support, suggests a positive but not extremely high impact on the company's immediate future.
The company has reported significant growth in net profit and AUM, along with positive commentary from the CEO about future prospects and the impact of government initiatives. The strategic partnership with an insurance company is also a positive development.
Akme Fintrade (India) Limited (AFIL) announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company registered a 16.35% growth in net profit, reaching ₹10.39 Crore for Q3 FY26, compared to ₹8.93 Crore in the same period last year. This growth was primarily driven by higher disbursements of vehicle loans.
Gross interest income for the quarter increased by 38.26% to ₹37.26 Crore from ₹26.95 Crore year-on-year. Net interest income grew by 17.49% quarter-on-quarter to ₹21.36 Crore. Assets Under Management (AUM) saw a significant increase of 12.40% during the quarter, reaching ₹95.16 Crore, supported by steady demand for loans, particularly in the vehicle segment.
For the nine months ended December 31, 2025 (9MFY26), gross interest income rose by 46.31% to ₹102.04 Crore compared to ₹69.74 Crore in the corresponding period last year. Net interest income grew by 36.51% to ₹61.69 Crore. The company's net profit for 9MFY26 increased by 16.98% to ₹30.05 Crore from ₹25.69 Crore in the previous year.
The total AUM for 9MFY26 stood at ₹862.62 Crore, marking a substantial growth of 64.58% over ₹524.13 Crore in the same period last year. The Capital Adequacy Ratio was reported at 47.55%, Net Interest Margin (NIM) at 12.39%, and Non-Performing Assets (NPA) at 2.94% in Q3 FY26.
Mr. Akash Jain, CEO of Akme Fintrade, commented on the results, highlighting the steady growth in AUM driven by demand in vehicle and SME/LAP segments in rural and semi-urban markets. He also mentioned the recent foray into gold loan and life insurance businesses, which are expected to boost future business. He further expressed optimism about capitalizing on untapped credit potential in Tier II and Tier III markets, supported by government initiatives.
AFIL has also entered into a Corporate Agency Agreement with Axis Max Life Insurance Limited to offer life insurance products, aiming to leverage its customer base for cross-selling opportunities and expand its non-interest income. The company views government measures in the Union Budget 2026-27, such as the SME Growth Fund and Self-Reliant India Fund, as positive structural boosts for the MSME sector and rural demand.
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