Akme Fintrade's Credit Rating Reaffirmed and Assigned 'ACUITE BBB+ | Stable'
A positive credit rating with a stable outlook can lead to improved borrowing terms and enhanced investor confidence, which is beneficial for the company's financial operations and market perception.
The credit rating has been reaffirmed and assigned 'BBB+ | Stable', indicating an improved financial risk profile and a stable outlook, driven by capital infusion, improved financial performance, asset quality, and professionalization of management.
Akme Fintrade (India) Limited (AFIL) announced on 8 August 2025 that Acuité Ratings & Research Limited has reaffirmed its long-term rating of 'ACUITE BBB+ | Stable' for the company's bank loan facilities totaling ₹180.00 crore. Additionally, Acuité has assigned a long-term rating of 'ACUITE BBB+ | Stable' to the proposed Non-Convertible Debentures (NCD) of ₹100.00 crore. The total outstanding quantum rated is ₹280.00 crore.
The rating reaffirmation and assignment are primarily driven by: * Capital infusion through an Initial Public Offering (IPO) in FY25, which increased the net worth to approximately ₹382.21 crore as on March 31, 2025, from ₹223.24 crore as on March 31, 2024. * Improvement in the earning profile. * Change in management and inclusion of experienced professionals in the Board of Directors, including the appointment of a new CEO, COO, CRO, and Company Secretary. * Reduction in gearing to 0.74 times as on March 31, 2025, from 0.92 times as on March 31, 2024. * Improvement in overall collection efficiency to approximately 91.18% in March 2025, from approximately 83.61% in March 2024. * Improvement in asset quality, with Gross Non-Performing Assets (GNPA) at 2.77% as on March 31, 2025, compared to 3.63% as on March 31, 2024. * Profit After Tax (PAT) increased to approximately ₹33.23 crore for FY25 from ₹18.53 crore for FY24. * Return on Average Assets (RoAA) and Return on Tangible Net Worth (RoTNW) improved to 6.00% and 10.98% for FY25 respectively. * Launch of a digital platform “AASAANLOANS” to enhance the business model.
However, these strengths are partially offset by the company's geographical concentration, with approximately 63.88% of its portfolio originating from Rajasthan. The company's ability to raise funds, continue growth in Asset Under Management (AUM), disbursements, and profitability while maintaining asset quality will remain key monitorables.
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Akme Fintrade (India) Limited filed this with the NSE as a statutory disclosure, categorised under credit ratings. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Akme Fintrade (India) Limited. Read the original for the full detail.