{"id":1292,"date":"2026-05-01T10:30:00","date_gmt":"2026-05-01T05:00:00","guid":{"rendered":"https:\/\/www.bullscreen.in\/news\/?p=1292"},"modified":"2026-04-30T17:49:27","modified_gmt":"2026-04-30T12:19:27","slug":"aye-finance-q4-results-2026-profit-rises-13-as-nbfc-expands-micro-loan-business","status":"publish","type":"post","link":"https:\/\/www.bullscreen.in\/news\/aye-finance-q4-results-2026-profit-rises-13-as-nbfc-expands-micro-loan-business\/","title":{"rendered":"Aye Finance Q4 Results 2026: Profit Rises 13% as NBFC Expands Micro-Loan Business"},"content":{"rendered":"\n

Aye Finance Limited<\/a> reported a steady financial performance in its Q4 results 2026, capping a year marked by strong growth following its February IPO. The micro-enterprise-focused lender posted a Profit After Tax of \u20b9194 crore for FY26, up 13% year-on-year, reflecting stable earnings momentum and improved operational efficiency.<\/p>\n\n\n\n

Gross total income rose 20% to \u20b91,797 crore, driven largely by interest income of \u20b91,567 crore, while fee and other income contributed \u20b9230 crore. The company maintained a healthy Net Interest Margin of 14.64% on average total assets, highlighting its ability to sustain lending spreads despite a competitive credit environment.<\/p>\n\n\n\n

Operational metrics showed gradual improvement. The cost-to-income ratio declined to 50.2% from 51.4% a year earlier, supported by controlled expenses of \u20b9679 crore. Return ratios remained stable, with Return on Assets at 2.8% and Return on Equity at 9.3%, adjusted for fresh capital raised during the IPO.<\/p>\n\n\n\n

The company\u2019s asset base expanded significantly, with Assets Under Management growing 27.3% year-on-year to \u20b97,044 crore. Annual disbursements rose 20% to \u20b95,169 crore, while its active customer base reached approximately 6.4 lakh. Notably, 71% of AUM growth came from existing branches, indicating strong organic expansion rather than aggressive branch additions.<\/p>\n\n\n\n

Asset quality improved during the quarter, a key highlight of the Q4 results 2026. Gross NPA declined to 4.77%, while Net NPA stood at 1.8%. Collection efficiency reached 99.5% in March, signaling tighter credit monitoring and recovery processes. The company maintained a Provision Coverage Ratio of 63.66% on stressed assets.<\/p>\n\n\n\n

Funding remains diversified across banks, financial institutions, and development lenders. The cost of borrowing eased to 10.13% in Q4FY26, while capital adequacy remained strong at 34.9%, providing room for future growth.<\/p>\n\n\n\n

Aye Finance\u2019s \u201cphygital\u201d strategy combining a 571-branch network with AI and machine learning underwriting continues to drive scale. Around 32% of underwriting is now automated, and all loan originations are paperless, improving efficiency and turnaround time.<\/p>\n\n\n\n

The Q4 results 2026 underline the company\u2019s focus on disciplined growth, improved asset quality, and technology-led lending. As credit demand from micro-enterprises remains strong, Aye Finance appears well-positioned to expand further while maintaining risk controls.<\/p>\n\n\n\n

<\/i><\/span>Financial Performance Snapshot (Q4 results 2026) <\/h2>
<\/div><\/div>\n\n\n\n
Metric<\/th>FY26 Value<\/th>YoY Growth<\/th><\/tr><\/thead>
Profit After Tax (PAT)<\/td>\u20b9194 Crores<\/td>+13%<\/td><\/tr>
Gross Total Income<\/td>\u20b91,797 Crores<\/td>+20%<\/td><\/tr>
Interest Income<\/td>\u20b91,567 Crores<\/td>\u2014<\/td><\/tr>
Fee & Other Income<\/td>\u20b9230 Crores<\/td>\u2014<\/td><\/tr>
Net Interest Margin<\/td>14.64%<\/td>\u2014<\/td><\/tr>
Cost-to-Income Ratio<\/td>50.2%<\/td>Improved<\/td><\/tr>
Operating Expenses<\/td>\u20b9679 Crores<\/td>\u2014<\/td><\/tr>
Return on Assets (RoA)<\/td>2.8%<\/td>\u2014<\/td><\/tr>
Return on Equity (RoE)<\/td>9.3%<\/td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/i><\/span>Business Growth & Scale Metrics <\/h2>
<\/div><\/div>\n\n\n\n
Metric<\/th>FY26 Performance<\/th>YoY Growth<\/th><\/tr><\/thead>
Assets Under Management<\/td>\u20b97,044 Crores<\/td>+27.3%<\/td><\/tr>
Annual Disbursements<\/td>\u20b95,169 Crores<\/td>+20%<\/td><\/tr>
Active Customers<\/td>~6.4 Lakh<\/td>\u2014<\/td><\/tr>
Average Ticket Size<\/td>\u20b91.8 Lakhs<\/td>\u2014<\/td><\/tr>
Net Worth (Equity)<\/td>\u20b92,533 Crores<\/td>~+53%<\/td><\/tr>
Branch Network<\/td>571 Branches<\/td>\u2014<\/td><\/tr>
AUM Growth from Existing Branches<\/td>71%<\/td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/i><\/span>Asset Quality, Liquidity & Efficiency <\/h2>
<\/div><\/div>\n\n\n\n
Metric<\/th>Value (FY26 \/ Q4FY26)<\/th><\/tr><\/thead>
Gross NPA (GNPA)<\/td>4.77%<\/td><\/tr>
Net NPA (NNPA)<\/td>1.8%<\/td><\/tr>
Portfolio at Risk (PAR X)<\/td>6.88%<\/td><\/tr>
PAR 30<\/td>6.1%<\/td><\/tr>
Collection Efficiency<\/td>99.5%<\/td><\/tr>
Provision Coverage Ratio (PCR)<\/td>63.66%<\/td><\/tr>
Total ECL Provisions<\/td>\u20b9267 Crores<\/td><\/tr>
Cost of Borrowing (Q4FY26)<\/td>10.13%<\/td><\/tr>
Capital Adequacy (CRAR)<\/td>34.9%<\/td><\/tr>
AI\/ML Underwriting Share<\/td>32%<\/td><\/tr>
Paperless Loan Origination<\/td>100%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Source: https:\/\/www.bseindia.com\/xml-data\/corpfiling\/AttachLive\/bad0319d-aa9e-4aa7-bdcb-cdb6debf0a86.pdf<\/a><\/em><\/p>\n\n\n\n

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Aye Finance Limited reported a steady financial performance in its Q4 results 2026, capping a…<\/p>\n","protected":false},"author":2,"featured_media":1293,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[284,264],"class_list":["post-1292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financials","tag-aye","tag-q4-results-2026"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/posts\/1292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/comments?post=1292"}],"version-history":[{"count":4,"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/posts\/1292\/revisions"}],"predecessor-version":[{"id":1297,"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/posts\/1292\/revisions\/1297"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/media\/1293"}],"wp:attachment":[{"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/media?parent=1292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/categories?post=1292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bullscreen.in\/news\/wp-json\/wp\/v2\/tags?post=1292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}