Aye Finance Limited — PPTs, 27-04-2026: Investor Presentation

Here's a retail-investor-focused summary of Aye Finance Limited's investor presentation:

**Business Performance:**

Aye Finance saw strong growth in FY26, with Assets Under Management (AUM) up 27% YoY to Rs. 7,044 Cr and disbursements increasing 20% YoY to Rs. 5,169 Cr. This performance was boosted by improved underwriting, tech integration, and collections.

**Growth Drivers/Strategy:**

The company is focusing on strengthening its underwriting frameworks and deeper integration of data and technology. The successful IPO in February 2026 raised Rs. 710 Cr, strengthening the balance sheet for further expansion into the micro-enterprise ecosystem.

**Recent Developments:**

The company reported its fifth consecutive quarter of declining credit costs. Key asset quality indicators improved, with GNPA at 4.77% and PAR X at 6.88% as of March 2026.

**Key Financial Metrics:**

For Q4FY26, Net Interest Income was Rs. 191 Cr (+31% YoY) and Profit After Tax (PAT) reached Rs. 86 Cr (+110% YoY). Return on Assets (RoA) improved to 4.6% and Return on Equity (RoE) stood at 16.0% for the quarter, post the IPO.

**Management Commentary/Outlook:**

Management highlighted the recovery in the MSME sector and their ability to grow responsibly. They are well-positioned for sustainable growth in FY27, supported by a diversified presence, improving portfolio quality, and a stronger balance sheet.