Results · Financial Services

Aye Finance Q4 profit jumps 111% to ₹85.9 crore

By Startup Enthusiast · 27 April 2026

What they do

Aye Finance provides small business loans to micro-scale enterprises across 18 states

Q4 FY26 net profit rose 111% year-on-year to ₹85.9 crore; operating revenue grew 29% to ₹528.4 crore

The company's AUM reached ₹7,044 crore, up 27% YoY, and shares surged 13% after results

Aye Finance reported a net profit of ₹85.9 crore for Q4 FY26, up 111% from ₹40.7 crore a year ago.
Profit also rose 102% sequentially from ₹42.6 crore in Q3 FY26.
Operating revenue for the quarter was ₹528.4 crore, up 29% year-on-year and 19% quarter-on-quarter.
Interest income stood at ₹440.2 crore, up 26% year-on-year.
Net gain on fair value changes jumped 6 times to ₹48 crore.
Total expenses were ₹434.4 crore, up 18% year-on-year.
Credit cost improved to 4.3%, down 186 basis points year-on-year.
For the full fiscal year FY26, net profit was ₹193.6 crore, up 13% from ₹171.3 crore.

The results show strong profit growth driven by higher income and better credit quality.
Shares surged 13.15% to ₹152.45 on BSE after the announcement.
The company plans to double its AUM by FY '29 through secured lending and branch expansion.

Aye Finance was founded in 2014 and provides business loans to micro-scale enterprises.
It operates across 18 states and 3 union territories with 571 active branches.
The company has 6,70,372 customers and an AUM of ₹7,324 crore (as per website).
Products include Secured Hypothecation Loan, Unsecured Hypothecation Loan, Mortgage Loan, Shakti Loan, and SwitchPe.
Average ticket size for small-ticket hypothecation loans is ₹1.5 lakh; for mortgage loans it is ₹5 lakh.
The company has 10,891 team members and a Net Promoter Score of 72.20.
Customer retention rate is 47.26%.

The company plans to raise up to $15 million through listed non-convertible debentures.
It aims to double its AUM by FY '29 through secured lending and branch deepening.