Aye Finance FY26: AUM Surges 27% to ₹7,044 Cr, Asset Quality Improves
Aye Finance reported strong FY26 performance with AUM surging 27% YoY to ₹7,044 crore and disbursements up 20% YoY to ₹5,169 crore. GNPA reduced to 4.77% and 1-90 DPD improved to 1.87%. Collection efficiency reached 99.5%. The company aims for steady, responsible growth leveraging technology.
The reported growth in AUM and disbursements, alongside improvements in key asset quality indicators, indicates a robust financial performance and operational efficiency, which is likely to have a significant positive impact on investor confidence and the company's market position.
The announcement highlights significant year-on-year growth in AUM and disbursements, coupled with improvements in asset quality metrics like GNPA and DPD. Strong collection efficiency and positive commentary from the Managing Director further reinforce the positive sentiment.
Aye Finance Limited announced its provisional business performance for the fiscal year ended March 31, 2026. The company reported a significant 27% year-on-year growth in its Assets Under Management (AUM), reaching ₹7,044 crore, up from ₹5,534 crore in the previous fiscal year. Disbursements also saw a robust 20% year-on-year increase, totaling ₹5,169 crore, indicating sustained demand from micro-enterprises.
In the fourth quarter of FY26 (Q4 FY26), disbursements grew by 26% compared to the preceding quarter, reaching ₹1,655 crore. The company also demonstrated a steady improvement in asset quality, with its Gross Non-Performing Assets (GNPA) reducing to 4.77% in Q4 FY26. The 1-90 days Past Due (DPD) ratio improved to 1.87% as of March 2026, reflecting enhanced customer repayment behavior and favorable business conditions.
Collection efficiency remained a strong point, achieving its highest level in March 2026 with a Non-Overdue (Non-OD) collection efficiency of 99.5%. The Bucket 1 (under 30 days overdue) collection efficiency improved to 62.5%. The company's extensive network across 18 states and 3 union territories, spanning over 70 business clusters, contributes to its operational stability.
Mr. Sanjay Sharma, Managing Director, Aye Finance Ltd., commented, “We have closed FY26 on a strong note, with good growth in AUM and disbursements, along with clear improvement in our asset quality. Better collection efficiency and lower delinquencies show the strength of our customers as well as our disciplined approach to lending and risk management. We have built a well-diversified portfolio that continues to give us stability, even during uncertain times. As we enter the new financial year, our focus is on growing in a steady and responsible way. We will continue to use technology and data to reach more micro-enterprises and support their growth, while building a strong and sustainable business.”
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Aye Finance Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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