Aye Finance Q4 FY26 Earnings Call Transcript Released
Aye Finance's Q4 FY26 earnings call transcript is released. The company reported AUM of ₹7,044 Cr (27% YoY growth) and Q4 profit of ₹86 Cr (110% YoY growth). Credit costs reduced to 4.3% and collection efficiency improved. The company targets 25-30% growth in FY27 with credit costs at 3.5-4%.
The release of an earnings call transcript is a routine disclosure for listed companies. While it provides detailed financial and strategic information, it does not introduce new material events or changes that would significantly alter the company's immediate outlook or market position.
The company reported strong financial performance with significant year-on-year growth in AUM and profit, improved collection efficiencies, and reduced credit costs. The management provided positive guidance for the upcoming fiscal year, indicating confidence in future growth and stability.
Aye Finance Limited has released the transcript of its Q4 FY26 Earnings Conference Call, conducted on April 28, 2026. The call, hosted by IIFL Capital, featured insights from Managing Director & Co-Founder Mr. Sanjay Sharma, Chief Financial Officer Mr. Gaurav Seth, and Head of Strategy & Product Mr. Sovan Satyaprakash.
Key highlights from the call include the appointment of Mr. Gaurav Seth as CFO and Mr. Sovan Satyaprakash resuming his roles as Head of Strategy, Product, and Investor Relations. The company reflected on FY26 as a defining year, marked by its successful IPO in February '26, raising ₹1,010 crores. Aye Finance continues its mission to provide formal credit to micro-entrepreneurs across India, serving over 6.40 Lakhs active borrowers across 18 states and 3 Union Territories.
The company reported strong Q4 FY26 performance with Assets Under Management (AUM) at ₹7,044 crores, a 27% year-on-year growth. Disbursements for Q4 grew 26% sequentially to ₹1,655 crores, and for the full year stood at ₹5,169 crores, a 20% growth. Profit for Q4 was ₹86 crores, showing a 110% year-on-year growth, with net margins at 16.4%. For the full year ended March 31, 2026, profit grew 13% to ₹194 Crores.
Collection metrics showed improvement, with non-OD collection efficiency reaching 99.5% in March '26, and PAR X improving to 6.9%. Credit costs reduced to 4.3% in Q4, marking the fifth consecutive quarter of reduction. The company is strategically increasing its mortgage loan portfolio to 23% from 12% in FY24, aiming for enhanced portfolio stability.
Technological innovations include an in-house data science and machine learning team, with a recent pilot enhancing AI capabilities in credit underwriting using generative AI. The IPO proceeds have strengthened capital adequacy to 42.2%. The company guided for FY27 a growth target of 25% to 30%, with credit costs expected to normalize between 3.5% to 4%, and an operating expense ratio targeted between 8.25% to 8.75%.
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Aye Finance Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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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.