What does KLM Axiva Finvest Limited do?

It is an NBFC providing gold loans, MSME loans, microfinance, and personal loans.

Is the company profitable?

Yes, it has shown consistent profitability growth over the years.

What are the key risks?

High leverage and asset quality risks typical of NBFC businesses.

Expansion of lending book and increasing credit demand in underserved markets.

Is asset quality stable?

Yes, NPAs remain controlled, indicating stable asset quality.

Unlisted Shares

KLM Axiva Finvest Limited

Verified Unlisted CompanyOff-market Transfer · NSDL / CDSL

About KLM Axiva Finvest Limited

KLM Axiva Finvest Limited is a non-deposit-taking, systemically important NBFC focused on providing financial services across underserved segments. The company operates through multiple verticals including gold loans, microfinance, MSME lending, and personal loans. With a strong presence in Kerala and expanding footprint across India, KLM Axiva aims to support financial inclusion and credit access for small businesses and individuals. Its diversified lending portfolio positions it to benefit from rising credit demand in semi-urban and rural markets.

Share Details

company Name	KLM Axiva Finvest Limited
indicative Unlisted Share Price	₹18
market Capitalization	₹474 Cr
lot Size	2000 Shares
52 Week High	₹18
52 Week Low	₹18
face Value	₹10
book Value	₹10.81
pe Ratio	23.68
pb Ratio	1.67
debt To Equity	2.72
return On Equity	7.28%
total Outstanding Shares	26,36,36,000
isin	INE01S101011
depository	NSDL & CDSL
pan	AAACK7976P
cin	U65910TG1997PLC026983
rta	KFin Technologies

Income Statement (Profit & Loss) (₹ in Crore)

Particulars	FY22	FY23	FY24	FY25
Interest Earned	179	275	306	332
Other Income	6	3	10	8
Interest Expended	104	143	155	175
Operating Expenses	63	110	130	141
Provisions	0.6	1	0.4	5
Net Profit	11	18	23	20
EPS	0.96	0.96	1.12	0.78

Key Financial Ratios (Last 3–5 Years)

Ratio	FY22	FY23	FY24	FY25
Advances	1,058	1,445	1,705	1,656
Book Value	13.68	13.64	13.26	10.86
P/B	1.32	1.32	1.36	1.89
ROE (%)	7.02	7.07	8.46	7.28

Financial Annual Report Summary

The company has shown steady growth in interest income, increasing from ₹179 Cr in FY22 to ₹332 Cr in FY25. Profitability has improved with PAT rising from ₹11 Cr to ₹20 Cr over the same period. Asset quality remains stable with controlled NPAs. However, high leverage is typical for NBFCs and requires monitoring.

Why Invest in KLM Axiva Finvest

Steady growth in lending book and interest income.
Profitability improving gradually but remains moderate.
High leverage is typical for NBFC business model.
Stable asset quality with controlled NPAs.

Balance Sheet - Assets (₹ in Crore)

Item	FY22	FY23	FY24	FY25
Fixed Assets	53	115	124	141
Cash & Bank Balance	324	112	68	78
Investments	0	0	0	0
Advances	1,058	1,445	1,705	1,656
Other Assets	37	47	63	60
Total Assets	1,472	1,719	1,960	1,933

Balance Sheet - Liabilities & Equity (₹ in Crore)

Item	FY22	FY23	FY24	FY25
Share Capital	114.8	168.72	205.6	257.3
Reserves	42	68	67	17
Borrowings	728	886	834	746
Deposits	0	0	0	0
Other Liabilities	587.2	578.28	853.6	910.1
Total Liabilities	1,472	1,719	1,960	1,933

Liabilities Breakdown & Balance Sheet Insights

Balance Sheet Insights

The balance sheet reflects steady growth in advances, which is the core revenue driver. Borrowings remain high, consistent with NBFC operations. Increasing share capital indicates capital infusion to support expansion.

Liabilities Breakdown

Liabilities are primarily driven by borrowings and other financial obligations. The company relies heavily on debt funding, which is standard for NBFCs.

Additional Insights

KLM Axiva Finvest shows stable growth with increasing loan book size. However, maintaining asset quality and managing leverage will be critical for long-term sustainability.

Cash Flow Insights

Operating cash flow improved significantly in FY25.
Investing cash flow remains negative due to business expansion.
Financing cash flow reflects borrowings and capital raising.
Cash flow volatility is typical for lending businesses.

Shareholding Pattern

Shareholding pattern data not available

Promoters & Management

The company is promoted by experienced professionals in the financial services sector, focusing on inclusive lending and expanding access to credit.

Registrar & Transfer Agent (RTA)

Registrar: KFin Technologies

Website: https://www.kfintech.com/

Management Analysis

Management is focused on expanding lending operations while maintaining asset quality. Efficient capital allocation and risk management will be key to sustaining growth.

Frequently Asked Questions About KLM Axiva Finvest Limited

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