How much did AYE Finance's AUM grow in Q1 FY27?

AUM rose 28% year-on-year to ₹7,329 crore as of June 30, 2026.

What was the change in asset quality?

Gross NPAs improved by 20 basis points sequentially to 4.57%, while PAR X (total overdue) edged up to 7.08% from 6.88% in the previous quarter.

How many new borrowers did AYE add?

The lender added 44,736 new borrowers in the quarter, a 38% increase over the year-ago period, bringing the total active customer base to about 6.71 lakh.

What did management say about future asset quality?

Management highlighted the 20-bps reduction in GNPA and said they expect the improving trend to accelerate through the fiscal year.

What operational efficiency metrics were disclosed?

AUM per employee rose 12% as headcount grew at a slower pace than the loan book, indicating productivity gains.

Finance - NBFC · Small cap

AYE Finance AUM rises 28% to ₹7,329 cr, GNPA eases to 4.57%

The micro-enterprise lender added 44,736 new borrowers (up 38% YoY) and improved GNPA by 20 bps QoQ. Management expects accelerating asset-quality gains through FY27.

— 2 earlier stories on AYE Finance Ltd. →

AYE By Tipsheet Editorial 6 Jul 2026 · 2:38 PM IST Verify on BSE · NSE

Mkt cap₹4,144 cr

P/E21.40×

ROE10.33%

Debt / eq.2.73

28% YoY growth in AUM in the June quarter

What's new

AUM rose 28% YoY to ₹7,329 crore as of June 30, 2026.
GNPA improved 20 bps sequentially to 4.57%.
New borrower additions jumped 38% to 44,736, taking the active base to ~6.71 lakh.

Why this matters

The quarterly update shows steady loan growth and a modest asset-quality uptick, but the slight rise in PAR X to 7.08% from 6.88% demands attention. Management's expectation of faster improvement in GNPA this year is yet to be tested.

What we're watching

Whether the GNPA trend accelerates as management expects through FY27.
Impact of rising PAR X on provisioning and profitability.
If AUM per employee gains continue as headcount growth slows.

The full read

AYE Finance delivered a solid operating quarter, with AUM rising 28% YoY to ₹7,329 crore and disbursements up 22% to ₹1,219 crore. New borrower additions surged 38% to 44,736, pushing the active base to ~6.71 lakh. Asset quality saw a modest improvement: GNPA eased 20 bps sequentially to 4.57%, though PAR X inched up to 7.08% from 6.88% in the prior quarter. Collection efficiency held steady at 99.2%. Management expects the GNPA trend to accelerate through FY27. The data suggests steady growth and slight credit improvement, but the uptick in PAR X and the absence of a guidance change keep this a routine update.

Questions answered

How much did AYE Finance's AUM grow in Q1 FY27?: AUM rose 28% year-on-year to ₹7,329 crore as of June 30, 2026.
What was the change in asset quality?: Gross NPAs improved by 20 basis points sequentially to 4.57%, while PAR X (total overdue) edged up to 7.08% from 6.88% in the previous quarter.
How many new borrowers did AYE add?: The lender added 44,736 new borrowers in the quarter, a 38% increase over the year-ago period, bringing the total active customer base to about 6.71 lakh.
What did management say about future asset quality?: Management highlighted the 20-bps reduction in GNPA and said they expect the improving trend to accelerate through the fiscal year.
What operational efficiency metrics were disclosed?: AUM per employee rose 12% as headcount grew at a slower pace than the loan book, indicating productivity gains.

Primary source BSE · NSE · Tijori

An independent reading of the company's own disclosure — the primary filing above is the final word.

Company snapshot

AYE Finance Ltd.

NBFC

₹4,089 cr

P/E 21.12×

Latest quarter · Mar 2026

Total income₹528 cr

Net profit₹86 cr

Net margin+16.3%

EPS₹3.51

Leverage & growth

Debt / equity2.73×

Story so far

All notes on AYE →

6 Jul 2026 · 2:38 PM IST AYE Finance AUM rises 28% to ₹7,329 cr, GNPA eases to 4.57%
12d ago AYE Finance gets one-notch credit upgrade to IND A+ after IPO
33d ago AYE Finance eyes first foreign-currency debt to fund micro-lending growth