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”
About Aye Finance Ltd.
Aye Finance is a non-banking financial company – middle layer (“NBFC-ML”) focused on providing loans to micro-scale MSMEs across India. Aye offers a range of business loans for working capital and business expansion needs, against hypothecation of working assets or against security of property to customers across manufacturing, trading, service and allied agriculture sectors. Aye is among the leading nonbanking financial companies providing business loans to the largely underserved micro-scale enterprises in India, across 18 states and 3 union territories, with assets under management (“AUM”) of ₹ 6356 Crores as of December 2025. Aye offers small-ticket business loans with an average ticket size (“ATS”) on disbursement of ₹ 0.18 million to micro enterprises. The Company’s expertise in underwriting business cash flows of a variety of business clusters has enabled it to maintain stable credit costs and to profitably scale up its operations.
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