Mumbai : Aye Finance, a non-banking financial company – middle layer (“NBFC-ML”) focused on providing loans to micro-scale MSMEs, has released Key Business Highlights for the quarter ended June 30, 2026.
Key Business Highlights for the quarter ended June 30, 2026
1. Loan Portfolio
Amount is in Cr
| Particulars | Q1FY27 | Q1FY26 | Y-o-Y Growth | Q4FY26 | Q-o-Q Growth |
| AUM | 7,329 | 5,721 | 28% | 7,044 | 4% |
| Disbursement | 1,219 | 1,001 | 22% | 1,655 | -26% |
| New Borrowers added | 44,736 | 32,373 | 38% | 56,757 | -21% |
| Borrowers | 6,70,570 | 5,68,290 | 18% | 6,46,036 | 3% |
2. Productivity
| Particulars | Q1FY27 | Q1FY26 | Y-o-Y Growth | Q4FY26 | Q-o-Q Growth |
| Employees | 10,891 | 9,544 | 14% | 10,894 | 0% |
| AUM/Employee | 0.67 | 0.60 | 12% | 0.65 | 3% |
3. Asset Quality
| Particulars | Q1FY27 | Q1FY26 | Q4FY26 |
| PAR X | 7.08% | 7.96% | 6.88% |
| GNPA | 4.57% | 4.60% | 4.77% |
4. Collection Efficiency
| Collection Efficiency | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | Apr-26 | May-26 | Jun-26 |
| Non OD CE% | 99.0% | 98.8% | 99.0% | 99.2% | 99.4% | 99.2% | 99.1% | 99.3% | 99.3% |
| Bucket 1 CE% | 38.5% | 43.0% | 48.4% | 54.9% | 59.8% | 54.5% | 57.1% | 51.2% | 55.2% |
5. Management Commentary
- In Q1, disbursals increased by 22% growing our AUM by 28% Y-o-Y. This was driven by 38% increase in onboarding of new customers, signaling strong demand for credit across our target segment.
- There was 20 bps reduction in GNPA compared to previous quarter. We expect this improving trend in asset quality to accelerate through FY27.
- Productivity gains in Q1 drove operating leverage in the business. Our AUM grew by 28% while headcount increased by 12% Y-o-Y leading to a 12% increase in AUM per employee.
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