Aye Finance Reports FY26 Highlights Showing 27% AUM Growth and Asset Quality Improvements
Aye Finance Limited, formerly known as Aye Finance Private Limited, released key business highlights for the quarter and year ended March 31, 2026. The company reported growth in its loan portfolio alongside improvements in asset quality metrics and collection efficiency across key operational areas.Loan Portfolio Growth
For the fiscal year 2026 (FY26), the Assets Under Management (AUM) saw a 27% growth compared to FY25, reaching 7,044. Disbursements for FY26 grew by 20% over the previous year, totaling 5,169.The quarterly data provided shows consistent growth trends:
| 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% |
Asset Quality Trends
The company noted continued improvements in asset quality over the reported period. Key indicators tracked the performance month by month from October 2025 to March 2026.| Particulars | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 |
|---|---|---|---|---|---|---|
| PAR X | 8.03% | 7.93% | 7.64% | 7.49% | 7.25% | 6.88% |
| 1 - 90 DPD (in Cr) | 175 | 165 | 157 | 148 | 143 | 132 |
| 1 - 90 DPD (%) | 2.87% | 2.65% | 2.48% | 2.27% | 2.12% | 1.87% |
| GNPA | - | - | 4.94% | - | - | 4.77% |
Management reported that PAR X reduced by 115 basis points since October 2025. Furthermore, the percentage of 1 to 90 DPD stood at 1.87% as of March 2026, and the Gross Non-Performing Assets (GNPA) in Q4FY26 decreased by 17 basis points to 4.77%.
Collection Efficiency Performance
Collection efficiency showed sustained Month-over-Month (MoM) improvement across various buckets.For the period October 2025 through March 2026, Non-OD CE% tracked as follows:
| Collection Efficiency | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 |
|---|---|---|---|---|---|---|
| Non-OD CE% | 99.1% | 99.2% | 99.3% | 99.3% | 99.4% | 99.5% |
Bucket 1, referring to overdue cases below 30 DPD, also showed consistent gains:
| Collection Efficiency | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 |
|---|---|---|---|---|---|---|
| Bucket 1 CE% | 51.8% | 55.0% | 58.0% | 57.1% | 59.8% | 62.5% |
The collection efficiency for March 2026 marked the highest level for FY26, recording 99.5% for Non-OD and 62.5% for Bucket 1.
Performance in Key States
Top 3 states contributing 43% of the AUM also demonstrated improvement in collection efficiency. Bihar's Non-OD CE% reached 99.5% in March 2026, with steady increases recorded across the preceding months. Similarly, the efficiency in other top states was noted:| Collection Efficiency | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 |
|---|---|---|---|---|---|---|
| UP | 99.2% | 99.3% | 99.4% | 99.4% | 99.4% | 99.5% |
| Rajasthan | 99.2% | 99.2% | 99.3% | 99.4% | 99.6% | 99.7% |
Management commentary highlighted that the overall portfolio, which is diversified across 18 states and 3 UTs, showed minimal impact from stress in any single state during FY26. Furthermore, the granular grassroot lending portfolio, diversified across over 70 business clusters, remained insulated from recent tariff and energy emergencies.
Stock Price Movement
Aye Finance Limited shares slipped to ₹90.8, marking a decline of ₹5.64 on Thursday, April 2nd, after trading between ₹88.22 and ₹95.12. The stock touched ₹88.22, registering at its 52-week low, all amid high activity with over 2.67 million shares traded.Source:
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