| Revenue growth | FY26 Gross Total Income grew 30% YoY to ₹1,797 Cr. |
|---|---|
| Margins | NIM improved to 16.4% in Q4FY26; CoB reduced to 10.87%. |
| Demand visibility | Revival in credit demand from micro-enterprises noted as year advanced. |
| Management confidence | High; citing recovery in MSME sector and stronger balance sheet. |
Growth
Q4FY26 PAT surged 110% YoY to ₹86 Cr; NII grew 35% YoY to ₹305 Cr.
Outlook
Positioned for responsible growth in FY27 following capital infusion and improved collection efficiency (99.5%).
Risks
Asset quality remains a focus with GNPA at 4.8%; credit costs at 4.30% in Q4.
Earnings Call filed with NSE, NSE: AYE. Summary written with AI assistance from the document.
Aye Finance Ltd: key numbers
- Share price
- ₹167.25
- Market cap
- ₹4,128 Cr
- Revenue (annual)
- ₹1,815 Cr
- Net profit (annual)
- ₹193.6 Cr
- P/E (TTM)
- 17.4×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 15.70%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Aye Finance Ltd
All →Aye Finance Debt & Borrowing: ₹1.03 Cr
Aye Finance Ltd paid ₹1.03 Crore monthly interest on two secured NCD series, settled on 18 September 2026 ahead of the due date.
- Value
- ₹1.03 Cr
Aye Finance Debt & Borrowing: ₹0.49 Cr
Aye Finance Limited successfully paid Rs. 0.49 Crore interest on its secured non-convertible debentures on the due date. The payment maintains debt servicing obligations.
- Value
- ₹0.49 Cr
Aye Finance Management Change
Aye Finance Limited announced the resignation of Chief Technology Officer Mr. Jinu Joseph and the appointment of Mr. Nishit Shrivastava, effective October 1, 2026.
Aye Finance Employee Stock Options
Aye Finance allotted 2,513 equity shares under its ESOP 2020 plan. Paid-up capital rose to 24.68 crore shares at INR 2 face value.
Aye Finance Debt & Borrowing: ₹20 Cr
Aye Finance Limited has successfully completed a partial redemption of its 10.10% non-convertible debentures. The company paid Rs. 20 Crore towards this partial redemption.
- Value
- ₹20.00 Cr
Aye Finance Debt & Borrowing: ₹0.67 Cr
Aye Finance Ltd has successfully paid interest of ₹0.67 Crore on its listed non-convertible debentures.
- Value
- ₹0.67 Cr