Aye Finance Q3 FY26: PAT surges 87% to ₹43 Cr, AUM up 23.5% to ₹6,356 Cr
Aye Finance reported Q3 FY26 results with PAT surging 87.1% YoY to ₹43 crore and AUM growing 23.5% YoY to ₹6,356 crore. Disbursements increased 35% to ₹1,310 crore. For 9M FY26, PAT stood at ₹108 crore. Management expects continued AUM growth and improved profitability.
Significant growth in PAT and AUM, coupled with positive management outlook, is likely to have a material positive impact on investor sentiment and the company's valuation.
The company reported strong year-on-year growth in key financial metrics including Profit After Tax (PAT) and Assets Under Management (AUM), along with positive commentary from the Managing Director regarding future growth and profitability.
Aye Finance Limited has announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The company reported a significant year-on-year growth across key performance indicators. Disbursements grew by 35% YoY, from ₹973 crore to ₹1,310 crore. Assets Under Management (AUM) surged by 23.5% YoY, reaching ₹6,356 crore from ₹5,145 crore. In Q3 FY26, 41,015 new borrowers were added, and the branch network expanded by 9% YoY to 571 branches.
Financially, Profit After Tax (PAT) saw an impressive 87.1% YoY increase, rising from ₹23 crore to ₹43 crore, resulting in a Return on Assets (RoA) of 2.4% and Return on Equity (RoE) of 9.74%. Gross Non-Performing Assets (GNPA) stood at 4.94%, with Net Non-Performing Assets (NNPA) at 1.98%. The company achieved four consecutive quarters of reduction in Credit Cost, which was 4.67% in Q3FY26. Aye Finance maintained a credit rating of 'A' (Stable) from ICRA and India Ratings.
For the nine-month period of FY26, total income increased by 18.54% YoY to ₹1,282 crore, with PAT at ₹108 crore.
Mr. Sanjay Sharma, Managing Director, Aye Finance Ltd., commented, “Our Q3 results demonstrate the resilience of the micro-enterprise sector and our ability to bridge the credit gap for underserved businesses. Disbursals are accelerating, and we remain firmly on track to deliver the 29-30% AUM growth in FY26 and beyond. With asset quality improved to normalised levels, we have cleared the runway for a sharp, sustained uptick in profitability over the coming quarters. Our focus remains on sustaining this trajectory through disciplined underwriting and a customer-centric approach enabled by technology & data science.”
The company also announced that the press release regarding the un-audited financial results for the quarter and nine months ended December 31, 2025, is available on the company's website.
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