Aye Finance Achieves Strong FY26 Performance; AUM Grows 27% to ₹7,044 Crore
Aye Finance Ltd., an NBFC focused on lending to micro-enterprises, announced its provisional business performance for the quarter and year ending March 31, 2026, highlighting robust growth, improved asset quality, and strong collection efficiency throughout the year.The Company's Assets Under Management (AUM) expanded by 27% year over year (YoY) to reach ₹7,044 crore in FY26. Disbursements also demonstrated significant growth, increasing by 20% YoY to ₹5,169 crore. For the fourth quarter of FY26, disbursements rose by 26% compared to the preceding quarter, amounting to ₹1,655 crore.
Key financial metrics for the loan portfolio for the fiscal year and the fourth quarter are detailed below:
| Particulars | FY26 | FY25 | Annual Growth | Q4FY26 | Q3FY26 | QoQ Growth |
|---|---|---|---|---|---|---|
| AUM | 7,044 | 5,534 | 27% | 7,044 | 6,356 | 11% |
| Disbursement | 5,169 | 4,291 | 20% | 1,655 | 1,310 | 26% |
Aye Finance also noted steady enhancements in its asset quality metrics. The PAR X ratio decreased by 115 basis points between October 2025 and March 2026. Furthermore, the Gross Non-Performing Assets (GNPA) stood at 4.77% in Q4 FY26. The improvement in customer repayments was reflected in the 1-90 Days Past Due (DPD) ratio, which improved to 1.87% as of March 2026.
Collection efficiency remained a highlight, reaching its peak in March 2026. The Nonoverdue (Non-OD) collection efficiency was reported at 99.5%, while the Bucket 1 (under 30 days overdue) improved to 62.5%, supported by consistent month-on-month gains. Strong repayment trends were also observed in key states, including Bihar, Uttar Pradesh, and Rajasthan.
The Company’s lending operations are diversified across 18 states and 3 union territories, with a presence in over 70 business clusters, a wide spread that has aided in maintaining stability.
Sanjay Sharma, Managing Director of Aye Finance Ltd., commented on the performance, stating that the company concluded FY26 on a strong note, evidenced by growth in AUM and disbursements alongside clear improvements in asset quality. He added that better collection efficiency and lower delinquencies reflect the strength of the customer base and the company’s disciplined approach to lending and risk management.
Aye Finance operates as an NBFC-ML, providing business loans to micro-scale MSMEs across India. The financing covers working capital and business expansion needs for sectors including manufacturing, trading, service, and allied agriculture, secured against working assets or property. The company offers small-ticket business loans, with an average ticket size on disbursement of ₹ 0.18 million.
AYE Stock Price Movement
In today's trade, Aye Finance Limited shares are currently trading between ₹88.56 and ₹94.00. The stock is presently at ₹90.41, showing a slight dip of 0.67% in its shares today. Trading is experiencing moderate activity, with the shares moving through a volume of 831,365 units.Source:
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