How Akme Fintrade is Driving Rural Growth with Secured MSME and Vehicle Loans

Introduction To Akme Fintrade Ltd.

Akme Fintrade Ltd. (Akme) is an RBI-registered Non-Banking Financial Company (NBFC) with a legacy of over 30 years in providing affordable credit to rural and semi-urban India. Headquartered in Udaipur, Rajasthan, the company has built a reputation for responsible lending through its 100% secured loan portfolio. Akme’s offerings are focused on supporting small businesses and entrepreneurs through MSME loans, which make up about 60% of its portfolio, while vehicle financing accounts for the remaining 40%. This balanced lending strategy has helped the company grow consistently while catering to the real financial needs of underserved markets.

With a market capitalisation of around INR 300 crore, Akme has established a strong presence across Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh. The company operates through 29 branches and a dedicated team of 250+ employees, serving an active borrower base of more than 45,000 customers as of March 2025. Over the past two years, Akme has shown strong growth in its Assets Under Management (AUM), rising from INR 381 crore in FY23 to INR 675 crore by June 2025. 

Its profitability has also improved steadily, supported by better collection efficiency (96% in FY25) and a stronger asset quality, with Gross NPAs reducing from 3.6% to 2.8% in just one year. Backed by a healthy Capital Adequacy Ratio (57.7% as of June 2025), Akme is well-positioned to continue its journey of empowering small businesses and individuals with accessible and reliable credit.

Board Of Directors Of Akme Fintrade (India) Ltd. 

Here’s the list of Board of Directors of Akme Fintrade (India) Ltd., with their names and designations (as per their website):

1. Mr. Nirmal Kumar Jain – Chairman & Managing Director

2. Mr. Rajendra Chittora – Executive Director
3. Mr. Sanjay Dattatray Tatke – Non-Executive Independent Director
4. Mr. Vimal Bolia Sardarsinghji – Non-Executive Independent Director
5. Mr. Nishant Sharma – Non-Executive Independent Director
6. Ms. Antima Kataria – Non-Executive Professional Director
7. Mrs. Neelam Tater – Additional Non-Executive Independent Director 

Source: Akme Fintrade Ltd.¹

Products Offered by Akme Fintrade (India) Limited

Akme Fintrade offers a varied portfolio of loans (all under its “Aasaan” brand) designed to suit different customer needs—vehicle purchase, property finance, business funding, renewable energy, women’s entrepreneurship, farm/agribusiness, and working capital. 

Here are the key product offerings:

1. Aasaan Two Wheeler Loan

Designed for purchasing two- or three-wheelers, this loan offers maximum on-road financing. It features easy processing, minimal documentation, and low interest rates. Ideal for customers looking to quickly buy a scooter, bike, or light motor vehicle. 

2. Aasaan Four Wheeler Loan

For customers wanting to buy a new or used car (four wheeler), this product supports that with similarly streamlined approvals and financing based on on-road cost. It helps people who want larger vehicles for personal or business use. 

3. Aasaan Old Vehicle Loan

This loan is aimed at customers who want to purchase second-hand vehicles. It also provides on-road financing in a hassle-free manner. A useful option for those who prefer older vehicles for affordability. 

4. Aasaan Business Loan

Tailored for small or medium sized businesses, this helps with business expansion, purchases, or capital needs. Loan terms are meant to be quick and with low documentation, to help businesses access funds faster. 

5. Aasaan Solar Rooftop Loan

This product supports financing for rooftop solar installations. It is aimed at customers looking to invest in renewable energy and reduce long-term electricity costs while being sustainable. 

6. Aasaan Mahila Udyog Loan

A loan focused specially for women entrepreneurs (Udyog = business). Helps women start or grow their business ventures with easier financing, likely with special terms or support. 

7. Aasaan Farm Equipment Loan

For agricultural users needing equipment such as tractors, harvesters, or other farm machinery. Helps farmers upgrade productivity through machinery investment. 

8. Aasaan Corporate Loan

Larger-ticket loans for corporate customers. Designed for enterprises needing substantial finance, possibly for expansion, capital expenditure, or infrastructure. 

9. Aasaan Working Capital Loan

Helps businesses manage day-to-day operations, cash flow, inventory, expenses etc., without delay. A critical product to bridge short-term financial gaps. 

10. Aasaan Loan Against Property (LAP)

Secured by pledging residential or commercial property. Provides funds for personal or business needs, helping customers unlock equity in their properties.

Source: Akme Fintrade Ltd.²

Akme Fintrade Ltd. Customer Care

For any queries or support, Akme Fintrade’s customer care team is here to help. You can reach them at 9594377377 or email : care@akmefintrade.com.

Akme Fintrade’s USP: Secured MSME and Vehicle Loans for Rural India

What makes Akme Fintrade stand out is its 100% secured lending model focused on MSME loans and vehicle financing. By concentrating on collateral-backed credit, the company ensures both financial discipline and lower risk, benefiting borrowers as well as investors.

Akme’s strength lies in catering to rural and semi-urban India, where access to affordable, structured credit is often limited. Its mix of MSME loans for small businesses and vehicle loans for livelihood purposes directly supports local entrepreneurs and self-employed individuals. This clear focus, combined with decades of experience and strong asset quality, makes Akme a dependable NBFC for inclusive growth.

Key Strengths Of Akme Fintrade (India) Limited

Key Strengths of Akme Fintrade Ltd.

1. Over Three Decades of Legacy

With more than 30 years of operations, Akme Fintrade has built strong expertise in secured lending. Its long track record helps the company win customer trust and maintain steady growth in rural and semi-urban markets.

2. Balanced Secured Loan Portfolio

The company follows a 100% secured lending model, with ~60% exposure in MSME loans and ~40% in vehicle financing. This mix reduces risk and ensures more stable cash flows.

3. Strong Presence in Underserved Markets

Akme has a deep footprint across Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh, supported by 29 branches and 250+ employees. Its focus on Tier-2, Tier-3 towns, and rural areas gives it access to customers often left out by traditional banks.

4. Robust Growth in AUM and Borrower Base

Akme’s Assets Under Management (AUM) grew from INR 381 Cr in FY23 to INR 675 Cr by June 2025, a sharp rise driven by strong disbursements. Its borrower base has also been expanding consistently at ~35% YoY, crossing 45,000+ active borrowers as of March 2025.

5. Improving Profitability and Efficiency

Revenue rose from INR 72.8 Cr in FY24 to INR 102.4 Cr in FY25, while PAT margins improved from 25.4% to 30.1% in Q1FY26. This improvement was supported by lower funding costs, strong repayment collections, and operational efficiencies.

6. Healthy Asset Quality

Akme has maintained high collection efficiency, improving from 92% in FY24 to 96% in FY25. Its Gross NPA declined from 3.6% (Mar’24) to 2.8% (Mar’25), reflecting better credit monitoring and responsible lending practices.

7. Strong Capital Adequacy

The company’s Capital Adequacy Ratio (CRAR) stood at 57.7% as of June 2025—well above the RBI requirement of 15%. This provides Akme a solid buffer to absorb risks and fund future growth.

Financial Snapshot Akme Fintrade (India) Limited

Source: Source: audited financials, credit rating reports

To arrange the capital, Akme Fintrade (India) Limited also offers corporate bonds. These opportunities from the company are secured and are rated by credit rating agencies. On Grip Invest, investors invested in CREDIT ‘BBB+’ rated bonds of the company that offered fixed returns of up to 13.0%. To invest in similar, rated, regulated and secured fixed-income opportunities sign-up for Grip Invest today and start earning fixed returns:

References:

1. Akme Fintrade Ltd., accessed from: https://www.akmefintrade.com/board-of-directors/

2.  Akme Fintrade Ltd., accessed from:https://www.akmefintrade.com/aasaan-two-wheeler-loan/

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