Aye Finance Limited has informed the Exchange about Transcript
AYE · price
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Aye Finance, an NBFC focused on micro-MSME lending, reported strong Q4 FY26 results with AUM at INR 7,044 crores (27% YoY growth) and Q4 profit of INR 86 crores (110% YoY growth). The company completed its IPO in February 2026, raising INR 1,010 crores, and achieved full-year profit of INR 194 crores. Asset quality improved with PAR X declining to 6.9% from 7.6% in Q3, and collection efficiency reached 99.5%. The company is shifting its product mix toward mortgage loans (now 23% of portfolio vs 12% in FY24). For FY27, management guided for 25-30% AUM growth, expects credit costs of 3.5-4%, and targets ROA of 4-4.5%. Cost of borrowing is expected to decline by 25-35 basis points due to debt replacement and potential credit rating upgrade.
Strong quarter with improving asset quality and margin expansion signals operational excellence post-IPO. The guided margin improvement and credit cost reduction indicate positive earnings trajectory for FY27, though the shift to secured mortgage lending may exert some yield pressure.