Aye Finance Limited announced its audited financial results for Q4FY26 and the full fiscal year ended March 31, 2026, delivering exceptional performance with quarterly net profit surging 110% year-on-year. The technology-driven lender focused on micro enterprises reported quarterly PAT of ₹86 crores and annual PAT of ₹194 crores, marking its first full-year results since listing on Indian stock exchanges in February 2026.

Outstanding Quarterly Performance

The company's Q4FY26 performance demonstrated remarkable growth across all key metrics. Net profit jumped 110% YoY to ₹86 crores, while Assets Under Management (AUM) grew 27% YoY to ₹7,044 crores. The quarter saw 25% YoY growth in disbursements with 70,841 new borrowers added, showcasing strong business expansion.

Improved Asset Quality and Risk Management

Aye Finance demonstrated significant improvement in asset quality with credit costs reducing by 186 basis points YoY to 4.30% for the quarter. The company achieved consistent reductions in credit costs for five consecutive quarters. Gross NPA stood at 4.80% and Net NPA at 1.80%, declining 17 bps and 19 bps respectively from the previous quarter, with a robust credit PCR of 64%.

Strong Annual Performance FY26

For the full year FY26, the company reported annual PAT of ₹194 crores, up 13% YoY despite absorbing cost impacts from new labour rules. Annual disbursements grew 20% with 2,06,833 new borrowers added during the year. The company achieved ROA of 2.80% and ROE of 9.30% for the annual period.

Management Commentary

Mr. Sanjay Sharma, Managing Director of Aye Finance Ltd, commented on the results: "In FY26, Aye Finance improved its profits and credit quality, thereby standing apart in a year defined by industry-wide over-lending and market corrections. We closed Q4 with ₹86 crores of PAT and ROE of 16% for the quarter. We have reduced our credit costs for 5 consecutive quarters while maintaining a robust credit PCR of 64%." He emphasized the company's focus on balancing growth with prudent risk management while maintaining effective underwriting for the micro-enterprise sector.

Regulatory Compliance and Publication

Following the board approval on April 27, 2026, the company published its audited financial results in Financial Express (English) and Jansatta (Hindi) newspapers on April 28, 2026, as required under regulatory guidelines. The complete financial results are available on stock exchange websites and the company's official website for stakeholder access.

Post-IPO Financial Strength

The company's performance reflects strong execution following its successful IPO in February 2026, which raised ₹710 crores in equity. This capital infusion has enhanced the company's net worth, enabling the achievement of 16% ROE on the enlarged equity base while maintaining robust growth in the micro-enterprise lending segment across 18 states and 3 union territories.

Aye Finance Limited has announced a key leadership appointment, naming Mr. Gaurav Seth as the company's new Chief Financial Officer (CFO). The appointment, which designates Seth as both Key Managerial Personnel and Senior Management Personnel, received approval from the Board of Directors and was formally disclosed to stock exchanges on April 28, 2026.

Regulatory Compliance and Disclosure

The company made the announcement in compliance with Regulation 30(5) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The disclosure was submitted to both BSE Limited and the National Stock Exchange of India Limited, following the company's policy for determination of materiality of events or information.

Corporate Structure Update

The Board of Directors had previously authorized Key Managerial Personnel to determine the materiality of events or information for necessary disclosures to stock exchanges under Regulation 30 of SEBI Listing Regulations. With Seth's appointment, the company has updated its list of authorized Key Managerial Personnel to reflect the new organizational structure.

Company Information

Aye Finance Limited, formerly known as Aye Finance Private Limited, operates with its corporate office located at Unit No. 701-711, 7th Floor, Unitech Commercial Tower-2, Sector-45, Arya Samaj Road, Gurugram. The company's registered office is situated at M-5, Magnum House-I, Community Centre, Karampura, West Delhi.

The formal disclosure was signed by Vipul Sharma, who serves as Company Secretary, Compliance Officer & CCO, ensuring proper documentation and regulatory compliance for this significant appointment in the company's leadership team.