Aye Finance Releases Q1 FY27 Earnings Call Transcript
Aye Finance reported a strong Q1 FY27 with disbursements at ₹1,219 crore (up 22% YoY) and AUM at ₹7,324 crore (up 28% YoY). Gross NPA improved to 4.49% and credit cost declined to 4.01%. Profit after tax grew 144% YoY to ₹75 crore. The company aims for 25-30% AUM growth this year.
The announcement includes key financial metrics, growth targets, and a credit rating upgrade, all of which are material to investors and indicate strong operational performance and future prospects.
The company reported strong financial results, including significant growth in disbursements and AUM, improved asset quality, and a substantial increase in profit after tax. The credit rating upgrade further bolsters a positive outlook.
Aye Finance Limited has released the transcript of its Q1 FY27 earnings conference call, which was conducted on July 23, 2026. The call focused on the company's business strategy and outlook.
The management, including MD & Co-Founder Mr. Sanjay Sharma, CFO Mr. Gaurav Seth, and Deputy CEO Mr. Niraj Kaushik, discussed the company's strong performance in a seasonally softer quarter. They highlighted a record first-quarter disbursement of ₹1,219 crore, a 22% year-on-year growth, and an Assets Under Management (AUM) of ₹7,324 crore, up 28% year-on-year. The active borrower base crossed 6.7 lakh customers with the addition of over 44,000 new borrowers, a 38% increase year-on-year.
Asset quality showed continued improvement, with Gross NPA decreasing to 4.49%. Credit cost declined to 4.01%, and the company is on track to meet its guidance of 3.5% to 4% for the full year. The company also saw its credit ratings upgraded by India Ratings to IND A+ with a stable outlook, which is expected to reduce borrowing costs.
Financial performance included a 22% year-on-year growth in gross total income to ₹490 crore and a 38% increase in net total income to ₹322 crore. Profit after tax surged by 144% year-on-year to ₹75 crore. The company maintained a strong capital adequacy ratio of 42.4%.
Looking ahead, Aye Finance reiterated its AUM growth target of 25% to 30% for the year and aims to gradually increase the share of mortgage loans in its portfolio. The company also plans to continue investing in technology and analytics to enhance customer acquisition and productivity.
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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 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.