| Revenue growth | Total income grew 20% YoY to ₹1,796 crore for FY26. |
|---|---|
| Margins | NIMs stood at 14.67%; guided to remain steady or slightly improve. |
| Demand visibility | Steady recovery in rural consumption driving constructive demand for working capital. |
| Management confidence | Highly confident, citing successful IPO and robust proprietary AI underwriting models. |
Growth
AUM grew 27% YoY to ₹7,044 crore, driven by healthy demand in the micro-MSME segment and improved collection efficiencies.
Outlook
Targeting 25-30% growth in FY27 with ROA guided at 4-4.5% and credit costs improving to 3.5-4%.
Risks
Potential interest rate hardening in the market could offset benefits from planned corporate rating upgrades and lower priority sector lending costs.
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
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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