Aye Finance, India’s leading NBFC specialising in micro-enterprise lending, today announced its unaudited financial results for the third quarter of the fiscal year 2025-26. Building on the momentum of its recent successful IPO, Aye reported robust year-on-year (YoY) growth across its key performance indicators, driven by deep penetration into India’s “missing middle” MSME segment.
Business Highlights Q3FY26
- 35% YoY Growth in Disbursement from INR 973 Crores to INR 1310 Crores
- 23.5% YoY Growth in AUM from INR 5145 Crores to INR 6356 Crores
- 41,015 new borrowers added in Q3FY26
- Branch network growth by 9% YoY from 523 to 571 branches
Financial Highlights Q3FY26
- Profit After Tax (PAT) grew 87.1% YoY from INR 23 crore to INR 43 Crore, resulting in RoA of 2.4% and RoE of 9.74%
- GNPA was 4.94%, and NNPA was 1.98%
- Four quarters of continuous reduction in Credit Cost, which stood at 4.67% in Q3FY26.
- Credit Rating: A (Stable) by ICRA & India Ratings
Financial Highlights: 9M FY26
•Total income increased by 18.54% YoY to INR 1282 crore
•Profit After Tax (PAT) stood at INR 108 crore
Commenting on the performance, Mr Sanjay Sharma, Managing Director, Aye Finance Ltd, said,
“Our Q3 results demonstrate the resilience of the micro-enterprise sector and our ability to bridge the credit gap for underserved businesses. Disbursals are accelerating, and we remain firmly on track to deliver the 29-30% AUM growth in FY26 and beyond. With asset quality improved to normalised levels, we have cleared the runway for a sharp, sustained uptick in profitability over the coming quarters. Our focus remains on sustaining this trajectory through disciplined underwriting and a customer-centric approach enabled by technology & data science”