Aye Finance Limited (AYE)
₹128.25 -3.75% today, as of 13:29 IST · NSE, refreshed every 5 minutes while the market is open
Q2 FY27 results
Aye Finance Limited reported Q2 FY27 results on 22 Oct 2026: revenue ₹514 Cr, and net profit ₹86.7 Cr; the operating margin was 49.4%.
| Q2 FY27 (₹ Cr) | Value | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹514 | — | — |
| Operating profit | ₹254 | — | — |
| Net profit | ₹86.7 | — | — |
| EPS (₹) | 3.51 | — | — |
| Operating margin | 49.4% | — | — |
Quality of profit: of pre-tax profit of ₹116 Cr, ₹103 Cr (89%) came from the core business and the rest from other income and one-off items.
Share price since the results: -11.7% (close before the filing to the latest close).
AYE delivery percentage
NSE end-of-day data for
On Thu, 22 Oct 2026, 44.39% of the AYE shares traded on NSE were taken to delivery, against the stock's own 20-session average of 44.65%. That is close to its usual level.
Delivery in the last 5 sessions: 51.5% · 61.1% · 51.4% · 18.9% · 44.4%
A description of what the exchange published, not a recommendation. Names such as "accumulation" or "long buildup" label a pattern in the numbers. How delivery is analysed
📢 Recent Corporate Announcements
Aye Finance reported strong growth for Q2 FY27 with Profit After Tax surging 151% YoY to Rs 87 crore (highest-ever quarterly profit) and Net Interest Income up 40% YoY to Rs 334 crore. Assets Under Management (AUM) expanded 26% YoY to Rs 7,597 crore, supported by quarterly disbursements of Rs 1,403 crore (+10% YoY, +15% QoQ). Asset quality showed steady improvement with Gross NPA decreasing 29 bps QoQ to 4.20% and PAR X falling to 6.94% from 8.03% in Q2 FY26. For H1 FY27, PAT reached Rs 161 crore (+148% YoY) with an annualized RoA of 3.90% and RoE of 12.34%.
- Q2 FY27 Profit After Tax jumped 151% YoY to Rs 87 crore, while H1 FY27 PAT surged 148% YoY to Rs 161 crore
- AUM increased 26% YoY to Rs 7,597 crore with quarterly disbursements rising 15% QoQ to Rs 1,403 crore
- Asset quality improved with GNPA at 4.20% (down from 4.49% in Q1 FY27) and NNPA at 1.6%
- Net Interest Margin (NIM) on ATA stood healthy at 15.59%, while Opex ratio dropped to 8.61%
- Credit cost moderated to 3.82% in Q2 FY27 compared to 5.00% in Q2 FY26
Aye Finance reported its highest-ever quarterly profit after tax of ₹86.7 crore for Q2FY27, up 151% YoY and 16% QoQ. Assets Under Management (AUM) expanded 26% YoY to ₹7,597 crore, supported by quarterly disbursements of ₹1,403 crore (up 10% YoY). Asset quality showed steady improvement as GNPA declined to 4.2% from 4.5% QoQ, and credit costs dropped for the seventh straight quarter to 3.8%. The company's Net Worth stood at ₹2,695 crore with a Book Value per share of ₹110.
- Q2FY27 PAT surged 151% YoY to ₹86.7 crore compared to ₹34.5 crore in Q2FY26
- AUM grew 26% YoY and 4% QoQ to ₹7,597 crore, with disbursements at ₹1,403 crore
- Credit cost declined for the 7th consecutive quarter to 3.8% (vs 5.0% in Q2FY26)
- GNPA / NNPA improved sequentially to 4.2% / 1.6% (vs 4.5% / 1.7% in Q1FY27)
- Net Worth reached ₹2,695 crore with Book Value Per Share of ₹110
Aye Finance Limited approved its unaudited financial results for the quarter and half-year ended September 30, 2026, accompanied by an unmodified limited review report from M S K A & Associates LLP. The company reported cash and cash equivalents of Rs 851.21 crore as of September 30, 2026, compared to Rs 620.38 crore as of March 31, 2026. Additionally, the filing confirmed zero deviation in the deployment of proceeds from two NCD issuances totaling Rs 360 crore raised in June and July 2026, with Rs 290 crore utilized to date.
- Cash and cash equivalents stood at Rs 851.21 crore as of September 30, 2026, up from Rs 620.38 crore as of March 31, 2026
- Statutory auditor M S K A & Associates LLP issued an unmodified limited review conclusion
- Reported zero deviation in use of proceeds from two private placement NCDs totaling Rs 360 crore
- Funds utilized from the Rs 220 crore NCD issued July 2026 stood at Rs 150 crore, while the Rs 140 crore NCD issued June 2026 is fully utilized
Aye Finance Limited has announced the grant of 514 options to eligible employees under its ESOP 2024 scheme. The approval was granted by the Nomination and Remuneration Committee during its meeting held on October 16, 2026. The meeting commenced at 3:00 PM IST and concluded at 5:10 PM IST. Given the small quantum of 514 options, the dilution impact is negligible.
- Nomination and Remuneration Committee approved grant of 514 options on October 16, 2026
- Options granted under Aye Finance Employee Stock Option Plan 2024 (ESOP 2024)
- Committee meeting held between 3:00 P.M. and 5:10 P.M. IST on October 16, 2026
Aye Finance Limited has scheduled its post-Q2FY27 earnings conference call on Thursday, October 22, 2026, at 10:00 AM IST. The call will be hosted by IIFL to discuss the company's financial performance, business strategy, and outlook. Key management participants include Managing Director Sanjay Sharma, Deputy CEO Niraj Kaushik, CFO Gaurav Seth, and Chief Strategy & IR Officer Sovan Satyaprakash.
- Earnings conference call scheduled for October 22, 2026, at 10:00 AM IST
- Call organized by IIFL to discuss Q2FY27 results and business outlook
- Top management, including the MD, Deputy CEO, and CFO, will participate
Aye Finance released its provisional business update for Q2FY27, reporting an AUM of ₹7,604 crore, reflecting 26% YoY and 4% QoQ growth. Quarterly disbursements rose 10% YoY and 15% QoQ to ₹1,403 crore, even as the company moderated disbursements in drought-affected areas of Maharashtra, Karnataka, and Madhya Pradesh. Asset quality improved sequentially, with Gross NPA declining 19 bps to 4.30% and PAR X improving 13 bps to 6.88%. Total borrower base reached 6,94,943, marking an 18% YoY expansion.
- AUM increased 26% YoY to ₹7,604 crore compared to ₹6,028 crore in Q2FY26
- Quarterly disbursements grew 10% YoY and 15% QoQ to ₹1,403 crore
- GNPA improved by 19 bps QoQ to 4.30% from 4.49% in Q1FY27 (and 4.85% in Q2FY26)
- PAR X (total overdue) declined 13 bps QoQ to 6.88% from 7.01%
- New borrowers added in Q2FY27 stood at 49,150, up 26% YoY
Aye Finance has appointed Nishit Shrivastava as Chief Technology Officer (CTO) to lead its technology strategy and digital transformation. Shrivastava brings over 24 years of experience and previously served as Chief Information and Technology Officer at Muthoot Fincorp. The company disclosed an Assets Under Management (AUM) of ₹7,324 Crores as of June 2026 across 18 states and 3 union territories. Aye Finance operates with an average ticket size of ₹0.17 million on disbursements for micro-enterprises.
- Appointment of Nishit Shrivastava as Chief Technology Officer, bringing over 24 years of tech and financial services experience
- Assets Under Management (AUM) reached ₹7,324 Crores as of June 2026
- Disbursement average ticket size (ATS) stands at ₹0.17 million for micro-enterprises
- Operational footprint spans across 18 states and 3 union territories
Aye Finance Limited announced a transition in its senior leadership with the resignation of Chief Technology Officer (CTO) Jinu Joseph, effective September 30, 2026. The Board approved the appointment of Nishit Shrivastava as the new CTO and Senior Management Personnel, effective October 1, 2026. Mr. Shrivastava brings over 24 years of experience in software and fintech, having previously served as Chief Information and Technology Officer at Muthoot Fincorp.
- Cessation of CTO Jinu Joseph effective closure of business hours on September 30, 2026
- Appointment of Nishit Shrivastava as CTO effective October 1, 2026
- Incoming CTO brings over 24 years of experience in software development and financial services technology
- Board approval completed via circular resolution on September 16, 2026
Aye Finance Limited announced the allotment of 2,513 equity shares of face value INR 2 each on September 16, 2026, pursuant to the exercise of stock options under its ESOP 2020 scheme. Following this allotment, the company's paid-up share capital marginally increased from INR 49,35,71,332 to INR 49,35,76,358. The total number of equity shares expanded from 24,67,85,666 to 24,67,88,179. The newly allotted shares will rank pari passu with the existing equity shares.
- Allotment of 2,513 equity shares with a face value of INR 2 each
- Issued pursuant to Aye Finance Employee Stock Option Plan 2020
- Paid-up capital increased by INR 5,026 to INR 49,35,76,358
- Total share count rose to 24,67,88,179 from 24,67,85,666
Aye Finance Limited has submitted the voting results and scrutinizer's report for its 33rd Annual General Meeting held on September 1, 2026. Shareholders approved all 6 resolutions with requisite majority, including the adoption of FY26 financial statements and the appointment of statutory auditors. Crucially, special resolutions were passed approving an increase in the company's borrowing limit from ₹8,000 crore to ₹10,000 crore under Section 180(1)(c) and enabling private placement issuances of Non-Convertible Debentures (NCDs).
- Borrowing limit increased from INR 8,000 crores to INR 10,000 crores under Section 180(1)(c)
- Approved enabling resolution for issuance of Non-Convertible Debentures (NCDs) via private placement
- Total voter turnout stood at 58.45% of outstanding shares (14,42,35,490 votes polled out of 24,67,85,666 shares)
- Resolution 4 on borrowing limits passed with overwhelmingly high assent (14,42,35,487 votes in favour vs 3 against)
Aye Finance Limited has notified the exchanges regarding a scheduled analyst branch visit. Company officials are set to attend a physical group meeting with analysts on September 11, 2026, starting at 9:00 AM IST. The visit will take place at the company's Khopoli branch in Maharashtra. The company stated that discussions will strictly cover publicly available information with no unpublished price-sensitive information being shared.
- Analyst group meeting scheduled for September 11, 2026, from 9:00 AM IST onwards
- Meeting mode: Physical branch visit at Khopoli, Maharashtra
- Discussions strictly limited to publicly available information
Aye Finance Limited conducted its 33rd Annual General Meeting (AGM) on September 1, 2026, via video conferencing. Key special resolutions presented to shareholders included increasing the company's borrowing limit from ₹8,000 crore to ₹10,000 crore under Section 180(1)(c) of the Companies Act, 2013, and approving the issuance of Non-Convertible Debentures (NCDs) on a private placement basis. Standard ordinary resolutions for adopting FY26 audited accounts and auditor appointments were also transacted. The voting results and scrutinizer report are expected within two working days.
- Proposed increase in overall borrowing limit from ₹8,000 crore to ₹10,000 crore under Section 180(1)(c)
- Approval sought for issuance of Non-Convertible Debentures (NCDs) via private placement
- Auditors' Report on Financial Statements for FY ended March 31, 2026, contained no qualifications
- Final scrutinizer report and e-voting results to be declared within 2 working days
Aye Finance Limited announced that the Aye Finance Employee Welfare Trust has transferred 22,790 equity shares of face value INR 2 each to eligible grantees. This transfer was executed upon the exercise of options under the company's ESOP Plan 2016 and ESOP Plan 2020. Because the shares were transferred from the existing employee trust, there is zero change to the company's existing paid-up share capital and no resulting equity dilution.
- 22,790 equity shares transferred to eligible employees
- Shares have a face value of INR 2 each
- Options exercised under Aye Finance ESOP Plan 2016 and ESOP Plan 2020
- No change in the existing paid-up share capital of the company
Aye Finance Limited has furnished updated contact details of Key Managerial Personnel (KMPs) authorized to determine event materiality and make disclosures to stock exchanges under Regulation 30(5) of SEBI LODR Regulations. The listed officials include Managing Director Sanjay Sharma, Chief Financial Officer Gaurav Seth, and Company Secretary & Compliance Officer Anuj Jain. This is a purely administrative regulatory filing with no operational or financial impact.
- Filing submitted under Regulation 30(5) of SEBI LODR Regulations on August 26, 2026
- Designates 3 Key Managerial Personnel authorized for materiality determination
- Authorized officials: MD Sanjay Sharma, CFO Gaurav Seth, and CS Anuj Jain
- Centralized secretarial contact provided at corporate office in Gurugram (Ph: 0124-4844000)
Aye Finance Limited has appointed Mr. Anuj Jain as Company Secretary, Compliance Officer, and Chief Compliance Officer effective August 26, 2026. Designated as Key Managerial Personnel (KMP) and Senior Management Personnel, Mr. Jain brings over 16 years of corporate governance and regulatory compliance experience in financial services. The Board approved the appointment during its meeting on August 26, 2026, held between 3:30 P.M. and 3:53 P.M.
- Appointment of Mr. Anuj Jain as CS, Compliance Officer, and Chief Compliance Officer w.e.f. August 26, 2026
- Mr. Jain brings over 16 years of experience in regulatory compliance, risk management, and governance in financial services
- Designated as Key Managerial Personnel (KMP) and Senior Management Personnel under SEBI and RBI frameworks
- Board meeting approving the appointment concluded at 3:53 P.M. IST on August 26, 2026
Financial Performance
Financial analysis data not yet available for this company.
Operational Drivers
Operational analysis data not yet available for this company.
Strategic Growth
Strategic growth analysis not yet available for this company.
External Factors
External factors analysis not yet available for this company.
Regulatory & Governance
Regulatory analysis not yet available for this company.
Risk Analysis
Risk analysis not yet available for this company.
