Akme Fintrade Boosts Liquidity with ₹8 Cr Loan from MAS Financial

Akme Fintrade India Ltd has secured a ₹8 crore term loan from MAS Financial Services Limited. The company reported a net profit of ₹30.05 crore for the nine months ended December 31, 2025.

Loan Details

Akme Fintrade India Limited announced on March 31, 2026, that MAS Financial Services Limited has sanctioned an ₹8.00 crore Term Loan. This debt financing aims to strengthen the company's financial resources.

Why it Matters

The ₹8 crore loan will enhance Akme Fintrade's liquidity. This capital will support its current lending operations and future growth in rural and semi-urban markets.

Company Background and Growth

Akme Fintrade India Limited, an RBI-registered NBFC founded in 1996, focuses on vehicle and MSME lending in rural and semi-urban India. In June 2024, the company raised ₹132 crore through an IPO to fund business expansion. Its Assets Under Management (AUM) grew by about 64.58% year-on-year to ₹862.62 crore for the nine months ended December 31, 2025. Net profit increased by 16.98% to ₹30.05 crore in the same period.

Key Changes and Benefits

• Increased liquidity to support more lending.
• Greater financial flexibility for expansion.
• A stronger balance sheet with the new debt facility.
• Continued ability to serve its target segments of vehicle and MSME finance.

Potential Risks

Akme Fintrade has faced challenges, including a revenue dip in FY2022 and higher NPAs than some competitors. Concerns during its IPO process involved potential non-compliance with RBI norms and aggressive pricing. A past regulatory issue also arose from a promoter shareholding change made without prior RBI approval.

Competitive Landscape

Akme Fintrade competes with larger NBFCs like Shriram Finance and Cholamandalam Investment, which have broad reach in vehicle and retail finance. MAS Financial Services Limited, the lender, is also a peer NBFC, focusing on micro-enterprise, SME, and vehicle loans with a strong credit assessment framework.

Financial Metrics

• Assets Under Management (AUM) increased approximately 64.58% year-on-year to ₹862.62 crore for the nine months ended December 31, 2025.
• Net profit for the nine months ended December 31, 2025, was ₹30.05 crore.
• Capital Adequacy Ratio (CAR) stood at approximately 51.7% (Tier I CAR ~50.7%) as of September 30, 2025.

What Investors Will Watch

• How the company uses this new capital.
• Continued growth in AUM and profitability.
• Management of asset quality and NPAs.
• Future funding plans to support expansion.
• The company's ability to manage regulatory requirements and competition.