Aye Finance Q3FY26 Investor Presentation Highlights Growth and Profitability
Aye Finance reported strong Q3FY26 results with AUM up 23.5% YoY to ₹6,356 crore and disbursements up 35% YoY to ₹1,310 crore. PAT reached ₹43 crore. Credit cost continued to decline, and PAR X improved to 7.64%. The company is focused on micro MSMEs and leveraging technology for growth.
The investor presentation provides a comprehensive overview of the company's financial performance, strategic direction, and future outlook, which is crucial information for investors and stakeholders.
The announcement highlights strong growth in AUM and disbursements, improved profitability, and better asset quality metrics, indicating a positive financial performance and outlook for the company.
Aye Finance Limited has released its Investor Presentation for the Un-audited Financial Results for the third quarter of Fiscal Year 2026 (Q3FY26).
The company reported strong year-on-year growth, with Assets Under Management (AUM) increasing by 23.5% and disbursements growing by 35%. AUM stood at ₹6,356 crore as of Q3FY26, with disbursements reaching ₹1,310 crore in the same period. The company added 41,015 new borrowers in Q3FY26.
Profitability has shown sequential improvement, with Net Interest Margins (NIMs) remaining stable and an increasing proportion of mortgage loans in the product mix. Profit After Tax (PAT) for Q3FY26 was ₹43 crore, a significant increase from previous periods.
Asset quality has also seen positive trends, with a continuous reduction in Credit Cost over the last four quarters, approaching normal levels. Collection efficiencies in DPD buckets have been improving, and PAR X (total overdue) stood at 7.64% in Q3FY26, with a further reduction to 7.25% as of February 2026. Gross Non-Performing Assets (GNPA) were 4.94% in Q3FY26.
The company's business overview highlights its focus on organized and unorganized micro MSMEs, with a diversified product offering including hypothecation and mortgage loans. Aye Finance operates through a network of 571 branches across 18 states and 3 Union Territories.
Technologically, the company emphasizes cashless disbursements, digital repayment methods, and the use of AI/ML in underwriting and collections. The branch network is also a key driver, with AUM growth primarily coming from deepening existing branch portfolios and repeat business.
In terms of liability and asset-liability management (ALM), Aye Finance has a diversified lender base and has reported no ALM mismatch in cash flow. The company raised ₹672 crore through its IPO in February 2026, which is not included in the December 2025 Net Worth of ₹1,773 crore.
Looking ahead, Aye Finance has set a 3-year vision targeting 28%-33% CAGR growth, with a credit cost of 3.25%-3.75%, operating expenses of 7%-7.5%, Return on Assets (RoA) of 4%-4.5%, and Return on Equity (RoE) of 17%-20%.
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Aye Finance Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. 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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See the model portfoliosA plain-language summary of a public exchange filing by Aye Finance Limited. Read the original for the full detail.