Aye Finance Limited — PPTs, 06-03-2026: Investor Presentation

Aye Finance shows a strong Q3 FY26, with AUM growing 23.5% YoY to ₹6,356 Cr and disbursements up 35% YoY. The company added 41,015 new borrowers. Profit after tax saw a sequential improvement, reaching ₹43 Cr.

Key growth drivers include a focus on increasing mortgage loans in the product mix, which supports stable Net Interest Margins (NIMs). Aye Finance is also enhancing its digital initiatives, with 100% cashless disbursements and 84.14% of collections through digital modes. The company continues to leverage AI/ML in underwriting and collections, with 32% of underwriting using AI/ML scores.

Asset quality is improving, with a continuous reduction in credit cost for four quarters and better collection efficiencies. The company is expanding its branch network strategically, focusing on deepening existing portfolios rather than just new branch openings.

Looking ahead, Aye Finance aims for a 28%-33% CAGR in AUM, targeting a RoA of 4%-4.5% and RoE of 17%-20%.