Aye Finance Limited — PPTs, 22-07-2026: Investor Presentation

Here's a summary of Aye Finance Limited's investor presentation, tailored for retail investors:

**Aye Finance: Strong Q1 Performance Highlights**

**1. Business Performance:**

Aye Finance demonstrated robust growth in Q1 FY27, with Assets Under Management (AUM) reaching ₹7,324 Cr, up 28% YoY. Disbursements also saw a significant 22% YoY increase to ₹1,219 Cr. Gross Total Income grew 22% YoY to ₹490 Cr. Profit after Tax surged an impressive 144% YoY to ₹75 Cr, signaling improved operational efficiency and a healthier portfolio.

**2. Growth Drivers or Strategy:**

The company continues to focus on its phygital approach, combining a strong branch network with digital collection methods for effective customer engagement. A key strategy is the expansion of its mortgage loan business and deeper integration of AI/ML in underwriting to enhance efficiency and profitability.

**3. Recent Developments:**

India Ratings & Research upgraded Aye Finance's long-term rating to IND A+ with a Stable Outlook. This upgrade is expected to help diversify funding sources and optimize borrowing costs.

**4. Key Financial Metrics:**

* Assets Under Management (AUM): ₹7,324 Cr (+28% YoY)

* Disbursements: ₹1,219 Cr (+22% YoY)

* Gross Total Income: ₹490 Cr (+22% YoY)

* Profit after Tax: ₹75 Cr (+144% YoY)

**5. Management Commentary / Outlook:**

Management is optimistic about Q2 FY27, anticipating further improvements in business momentum driven by increasing customer demand and stable collections. The focus remains on disciplined credit expansion and maintaining industry-leading asset quality. The company is targeting 28%-33% AUM CAGR over the next three years.