Aye Finance Limited has delivered robust business performance in FY26, demonstrating strong growth momentum coupled with enhanced asset quality metrics. The company announced its provisional business performance for the quarter and year ended March 31, 2026, through an official press release submitted under SEBI Regulation 30, highlighting significant improvements across key operational parameters.

Strong Portfolio Growth Performance

The company achieved substantial growth in its loan portfolio during FY26, with key metrics showing consistent improvement across quarters.

The Assets Under Management grew from ₹5,534 crore in FY25 to ₹7,044 crore in FY26, representing a 27% annual increase. Quarterly performance remained strong with 11% quarter-on-quarter growth in Q4FY26. Disbursements showed consistent momentum with 20% annual growth and an impressive 26% quarter-on-quarter increase in Q4FY26.

Significant Asset Quality Improvement

Aye Finance demonstrated marked improvement in asset quality metrics throughout FY26, with consistent month-over-month enhancement across all key indicators.

The PAR X metric, representing total overdue across all DPD buckets, reduced by 115 basis points from 8.03% in October 2025 to 6.88% in March 2026. The 1-90 DPD category showed improvement both in absolute terms, declining from ₹175 crore to ₹132 crore, and as a percentage, dropping to 1.87% by March 2026. GNPA reduced by 17 basis points to 4.77% in Q4FY26.

Enhanced Collection Efficiency

Collection efficiency metrics reached record levels during FY26, supporting the overall improvement in asset quality. The company maintained consistent month-over-month improvement across collection parameters.

March 2026 collection efficiency registered the highest levels for FY26, reaching 99.50% for Non-OD and 62.50% for Bucket 1 categories. Bucket 1 refers to overdue cases below 30 DPD, showing significant improvement throughout the year.

Regional Performance Stability

The company's top three states, contributing 43% of AUM, demonstrated consistent collection efficiency improvements. Bihar, Uttar Pradesh, and Rajasthan all achieved collection efficiency levels above 99.50% by March 2026, with Rajasthan leading at 99.70%. This regional stability supports the company's diversified portfolio strategy across 18 states and 3 union territories.

Management Commentary

Commenting on the performance, Mr. Sanjay Sharma, Managing Director of Aye Finance Limited, highlighted the company's strong finish to FY26. He emphasized the improvement in asset quality metrics and collection efficiency as indicators of both customer strength and disciplined lending practices. Sharma noted that the company's well-diversified portfolio across more than 70 business clusters has provided stability during uncertain market conditions. He outlined the company's focus on steady and responsible growth for the new financial year, with continued emphasis on technology and data-driven approaches to reach more micro-enterprises while maintaining sustainable business practices.

Aye finance has completed its quarterly regulatory compliance by submitting the required certificate pursuant to Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026. The submission was made on April 3, 2026, ensuring adherence to regulatory timelines.

Regulatory Submission Details

The certificate was formally submitted to both major stock exchanges where the company's shares are listed. Company Secretary, Compliance Officer & CCO Vipul Sharma signed the submission letter digitally on April 3, 2026, at 18:03:28 +05'30'.

Stock Exchange Communications

The regulatory certificate was submitted to both primary stock exchanges:

• BSE Limited at Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai
• National Stock Exchange of India Limited at Exchange Plaza, Bandra Kurla Complex, Mumbai

Registrar Certification

KFin Technologies Limited, acting as the Registrar to an Issue and Share Transfer Agent, provided the necessary certification on April 1, 2026. Assistant Vice President Sharmila Hemant Amin signed the certificates confirming compliance with regulatory requirements.

The registrar certified that details of securities dematerialized/rematerialized during the quarter ended March 31, 2026, have been furnished to all stock exchanges where the company's shares are listed, as required under Regulation 74(5) of SEBI (Depositories and participants) Regulations 2018.

Depository Compliance

Separate certificates were submitted to both major depositories in India:

This quarterly submission demonstrates Aye Finance Limited's commitment to maintaining regulatory compliance and transparency in its securities operations. The timely submission of these certificates ensures the company meets all statutory requirements under SEBI regulations for listed entities.