Aye Finance Q4 PAT Soars 110% to ₹86 Cr; FY26 PAT at ₹194 Cr
Aye Finance reported a Q4 FY26 PAT of ₹86 Crores, up 110% YoY, with AUM at ₹7,044 Crores. Annual PAT for FY26 stood at ₹194 Crores, a 13% YoY increase. The company achieved a 16% ROE in Q4 post its February 2026 IPO, which infused ₹710 Crores in equity.
The strong financial results, particularly the substantial profit growth and improved key financial metrics, are highly significant for the company and its stakeholders, especially following its recent IPO.
The company has reported a significant increase in profits (110% YoY for Q4 and 13% YoY for FY26), growth in AUM and disbursements, and improved credit quality metrics. The successful IPO also contributed positively.
Aye Finance Limited has announced its audited financial results for the fiscal year ended March 31, 2026. For the fourth quarter of FY26, the company reported a Profit After Tax (PAT) of ₹86 Crores, marking a significant year-on-year increase of 110%. The Assets Under Management (AUM) grew by 27% year-on-year to ₹7,044 Crores, supported by a 25% year-on-year growth in quarterly disbursements, with 70,841 new borrowers added during the quarter.
The company achieved a Return on Equity (ROE) of 16% for the quarter on an enlarged net worth, following an infusion of ₹710 Crores in equity from its Initial Public Offering (IPO) in February 2026. The Credit Cost for the quarter was reported at 4.3%, showing a reduction of 186 basis points year-on-year. Gross Non-Performing Assets (GNPA) stood at 4.8% and Net Non-Performing Assets (NNPA) at 1.8%, both down from the previous quarter.
For the full fiscal year FY26, Aye Finance reported an Annual PAT of ₹194 Crores, a 13% year-on-year increase, after accounting for the cost impact of new labor rules. Annual disbursements grew by 20%, and the company added 2,06,833 new borrowers during the year. The credit cost for the year was 4.76%, with a Return on Assets (ROA) of 2.8% and ROE of 9.3% delivered for the year.
Sanjay Sharma, Managing Director of Aye Finance Ltd, commented on the performance, stating, "In FY26, Aye Finance improved its profits and credit quality, thereby standing apart in a year defined by industry-wide over-lending and market corrections. We closed Q4 with ₹86 Crores of PAT and ROE of 16% for the quarter. We have reduced our credit costs for 5 consecutive quarters while maintaining a robust credit PCR of 64%. Alongside, we have reached collection efficiencies across our geographies, at levels that herald a good year ahead. Along with delivering top and bottom-line growth, we continue to focus on maintaining the effectiveness of our underwriting of the micro-enterprise sector and ensuring resilience in outcomes through the year. Moving forward, we remain committed to balancing growth with prudent risk management to deliver long-term returns for all our stakeholders."
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