Aye Finance has informed the stock exchanges that its officials will participate in an analyst and institutional investor conference later this month. The meeting is scheduled under the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

The interaction is set to take place on May 28, 2026, commencing at 11:00 A.M. (IST) onwards. The event is categorized as a 1x1 or Group Meeting and is organized by 360 One Capital (B&K) – Trinity India 2026. The venue for the conference is located in Mumbai.

The company clarified that the discussions during the meeting will be based solely on publicly available information. It explicitly stated that no unpublished price sensitive information is intended to be discussed during these interactions. Aye Finance also noted that changes to the schedule may occur due to exigencies on the part of the host or the company.

Meeting Details

The disclosure was made to BSE Limited and the National Stock Exchange of India Limited on May 21, 2026. The intimation was signed by Gaurav Seth, Chief Financial Officer of the company.

aye finance has reported a robust financial performance for the fourth quarter of fiscal year 2026, concluding a defining year that included its initial public offering. The company posted a net profit of INR86 crores for the quarter, representing a 110% year-on-year growth and a 100% increase quarter-on-quarter. This performance was underpinned by disciplined underwriting and improved collection efficiencies, which have positively impacted asset quality metrics across the board.

Financial Performance and Growth Metrics

The lender ended the fiscal year with Assets Under Management (AUM) of INR7,044 crores. This figure reflects a healthy annual growth of 27% and a sequential increase of 6% in the fourth quarter. Disbursements showed strong momentum, reaching INR1,655 crores in Q4, a 26% rise sequentially. For the full year FY26, total disbursements amounted to INR5,169 crores, growing by 20% compared to the previous year.

Profitability for the full year improved, with net profit rising by 13% to INR194 crores. Total income for the year stood at INR1,796 crores, registering a 20% year-on-year growth. The Net Interest Margin (NIM) for FY26 was reported at 14.67%, while the NIM for Q4 expanded to 16.4%.

Asset Quality and Collection Efficiency

A significant highlight of the quarter was the improvement in asset quality. The Gross Non-Performing Assets (GNPA) ratio declined to 4.77% in March 2026, down by 17 basis points from 4.94% in the previous quarter. The PAR 30+ ratio also improved to 6.9% from 7.6% in Q3 FY26. Credit costs reduced to 4.3% in Q4, a decrease of 37 basis points quarter-on-quarter, marking the fifth consecutive quarter of reduction in credit costs.

Collection metrics showed substantial strengthening. The non-overdue (non-OD) collection efficiency improved from 99.1% in October 2025 to 99.5% in March 2026. Key states including Bihar, Uttar Pradesh, and Rajasthan reported non-OD collection efficiencies exceeding 99.5%. Furthermore, collection efficiency in Bucket 1 improved by 107 basis points over a six-month period, moving from 51.8% in October 2025 to 62.5% in March 2026.

Liability Management and Cost of Funds

The company’s capital adequacy strengthened to 42.2% following the proceeds from its IPO, which raised INR1,010 crores in February 2026. The overall cost of borrowings moderated to 10.87% in Q4, with incremental borrowings for the quarter coming in lower at 10.13%. Management indicated that the replacement of high-cost debt maturing in the coming year with lower-rate debt is expected to reduce borrowing costs by approximately 25 to 35 basis points in FY27.

Strategic Outlook and Guidance

Looking ahead to FY27, Aye Finance has provided a positive outlook. The company targets AUM growth in the range of 25% to 30%. Credit costs are expected to normalize further, with guidance set between 3.5% and 4%. The operating expense ratio is projected to improve to a range of 8.25% to 8.75%, down from 9.6% in FY26, as the company leverages its investments in collection and mortgage infrastructure. Consequently, management aims to achieve a Return on Assets (ROA) of 4% to 4.5%.

On the product mix front, mortgage loans now comprise 23% of the portfolio, up from 12% two years ago. The company plans to increase this proportion to 30% to 35% over the next two to three years to enhance portfolio stability. The remaining balance will consist of hypothecation loans, split between secured and unsecured segments.