Akme Fintrade's Credit Rating Reaffirmed at IVR BBB+ / Stable by Infomerics
Akme Fintrade (AFIL) has had its credit rating reaffirmed at IVR BBB+ / Stable by Infomerics Ratings. The rating covers various bank facilities and NCDs totaling ₹450.00 crore. The company reported FY25 PAT of ₹33.23 crore on total income of ₹102.72 crore, with AUM reaching ₹833.33 crore by November 2025.
A reaffirmed credit rating is important for an NBFC as it affects borrowing costs and investor confidence. While positive, it does not represent a significant upgrade or a new, higher rating, hence the medium impact. The enhancement in some facilities and assignment of rating to proposed NCDs also contribute to this.
The credit rating has been reaffirmed with a stable outlook, indicating a positive assessment of the company's financial health and future prospects by the rating agency. Key strengths supporting the rating include healthy earnings, AUM growth, and comfortable capitalization.
Akme Fintrade (India) Limited (AFIL) has announced that its credit rating has been reaffirmed by Infomerics Ratings. The Long Term Fund Based Bank Facilities for Term Loan (enhanced from ₹49.87 crore to ₹93.80 crore) and Cash Credit (reduced from ₹4.00 crore to ₹1.20 crore) have been reaffirmed at IVR BBB+ / Stable.
Additionally, the proposed Long Term Fund Based Bank Facilities – Term Loan (enhanced from ₹56.13 crore to ₹105.00 crore), Non-Convertible Debentures (NCDs) of ₹50.00 crore, and proposed Non-Convertible Debentures (NCDs) of ₹200.00 crore have also been assigned or reaffirmed with an IVR BBB+ / Stable rating.
The rating action, dated January 08, 2026, reflects AFIL's healthy earnings profile, consistent growth in Assets Under Management (AUM), comfortable capitalization levels, experienced management, and robust risk management systems. However, the rating is partially constrained by average asset quality, geographical concentration, intense competition, and susceptibility to regulatory changes.
Infomerics Ratings expects the outlook to remain stable due to expected growth in AUM, improvement in profitability, and asset quality, while maintaining capitalization levels. The company's AUM has grown significantly, reaching ₹833.33 crore in the first 8 months of FY25, with expectations of continued growth supported by a preferential issue of warrants aggregating approximately ₹43 crore.
Financially, for the year ended March 31, 2025, AFIL reported Total Income of ₹102.72 crore and Profit After Tax (PAT) of ₹33.23 crore. Tangible Net Worth stood at ₹380.10 crore, and the Capital to Risk-Weighted Assets Ratio (CRAR) was 59.27% as of March 31, 2025. Gross NPA and Net NPA were reported at 2.77% and 1.28% respectively as of March 31, 2025.
What to do with a filing like this
Akme Fintrade (India) Limited filed this with the NSE as a statutory disclosure, categorised under other regulatory filings. 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.