Aye Finance Ltd

In an exchange filing, Aye Finance said Seth will oversee treasury, financial control and governance functions. The company said the appointment comes amid its ongoing expansion in the MSME lending segment. Seth has more than 27 years of experience in the BFSI sector across insurance, housing finance and payments banking. He has previously served in CFO roles at IIFL Home Finance and Airtel Payments Bank. Managing director Sanjay Sharma said Seth's experience in financial services and governance would support the company's growth plans and expansion strategy. Aye Finance is an NBFC-middle layer focused on providing loans to micro-scale MSMEs across India. The company operates across 18 states and 3 union territories, offering working capital and expansion loans to businesses in manufacturing, trading, services and allied agriculture sectors. The company's standalone net profit jumped 111.08% to Rs 85.91 crore on a 29.16% increase in revenue from operations to Rs 528.44 crore in Q4 FY26 over Q4 FY25. The AUM grew 27% YoY to Rs 7,044 crore, supported by 25% YoY growth in quarterly disbursements. A total of 70,841 new borrowers were added during the quarter. The credit cost for the quarter was 4.3%, having reduced by 186 bps YoY with consistent reductions in each of the previous five quarters. Powered by Capital Market - Live

Profit before tax (PBT) increased 119.78% YoY to Rs 110.88 crore in the quarter ended 31 March 2026. The AUM grew 27% YoY to Rs 7,044 crore, supported by 25% YoY growth in quarterly disbursements. A total of 70,841 new borrowers were added during the quarter. The credit cost for the quarter was 4.3%, having reduced by 186 bps YoY with consistent reductions in each of the previous five quarters. In Q4 FY26, GNPA stood at 4.8% and NNPA at 1.8%. The company reported an ROA of 4.6% and ROE of 16% on the enhanced net worth following an equity infusion of Rs 710 crore from its IPO in February 2026. On a full-year basis, the company's net profit rose 13% YoY to Rs 193.63 crore, while revenue increased to Rs 1,814.73 crore in FY26. Annual disbursements grew 20%, with 206,833 new borrowers added during the year. Credit cost for the year stood at 4.76%, while PAR for Bucket 1 was at 6.9%. The company delivered an ROA of 2.8% and ROE of 9.3% for the year. Sanjay Sharma, managing director, Aye Finance, said, 'In FY26, Aye Finance improved its profits and credit quality, thereby standing apart in a year defined by industry-wide over-lending and market corrections. We closed Q4 with Rs 86 crore of PAT and ROE of 16% for the quarter. We have reduced our credit costs for 5 consecutive quarters while maintaining a robust credit PCR of 64%. Alongside this, we have reached collection efficiencies across our geographies, at levels that herald a good year ahead. Along with delivering top and bottom-line growth, we continue to focus on maintaining the effectiveness of our underwriting of the micro-enterprise sector and ensuring resilience in outcomes through the year. Moving forward, we remain committed to balancing growth with prudent risk management to deliver longterm returns for all our stakeholders.' The company has entered into stock market on 16 February 2026. The script was listed at 129, matching the initial public offering (IPO) price of Rs 129. The issue was subscribed 0.97 times. Aye Finance, incorporated in 1993, is a Delhi-based non-banking financial company'middle layer (NBFC-ML)'focused on providing loans to micro, small, and medium-sized enterprises (MSMEs) across India.

Net profit of Aye Finance rose 111.08% to Rs 85.91 crore in the quarter ended March 2026 as against Rs 40.70 crore during the previous quarter ended March 2025. Sales rose 29.16% to Rs 528.44 crore in the quarter ended March 2026 as against Rs 409.14 crore during the previous quarter ended March 2025. For the full year,net profit rose 13.06% to Rs 193.63 crore in the year ended March 2026 as against Rs 171.27 crore during the previous year ended March 2025. Sales rose 24.32% to Rs 1814.73 crore in the year ended March 2026 as against Rs 1459.73 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Sales528.44409.14 29 1814.731459.73 24 OPM %44.7741.37 -41.8345.89 - PBDT118.8456.77 109 273.61247.17 11 PBT110.8850.45 120 247.30225.01 10 NP85.9140.70 111 193.63171.27 13 Powered by Capital Market - Live

Aye Finance has allotted 4,20,784 equity shares under at a face value of Rs 2 each from Aye Finance Employees Welfare Trust to the eligible grantee upon exercise of options granted under existing ESOP 2016 of the Company. Consequent to the aforementioned transfer, the paid up share capital of the Company shall stand remain same i.e. 24,67,84,266 equity shares at a face value of Rs 2 each aggregating to Rs 49,35,68,532

Aye Finance will hold a meeting of the Board of Directors of the Company on 27 April 2026.

Net profit of Aye Finance rose 87.09% to Rs 42.60 crore in the quarter ended December 2025 as against Rs 22.77 crore during the previous quarter ended December 2024. Sales rose 22.66% to Rs 442.78 crore in the quarter ended December 2025 as against Rs 360.99 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Sales442.78360.99 23 OPM %42.7639.42 - PBDT60.8536.53 67 PBT53.8430.45 77 NP42.6022.77 87 Powered by Capital Market - Live

Profit before tax (PBT) increased 76.81% YoY to Rs 53.84 crore in the quarter ended 31st December 2025. In Q3 FY26, distribution stood at Rs 1,310 crore, registering the growth of 35% YoY. Asset under management (AUM) increased 23.5% YoY to Rs 6,356 crore during the quarter. In Q3 FY26, the company's gross non performing assets (GNPA) stood at 4.94% and net non performing assets (NNPA) was at 1.98%. Sanjay Sharma, managing director, Aye Finance, 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.' The company has entered into stock market on 16 February 2026. The scrip was listed at 129, matching the initial public offer (IPO) price of Rs 129. The issue was subscribed 0.97 times. Aye Finance incorporated in 1993 is Delhi based non-banking financial company ' middle layer (NBFC-ML) focused on providing loans to micro scale micro, small and medium enterprises (MSMEs) across India. Powered by Capital Market - Live

Aye Finance will hold a meeting of the Board of Directors of the Company on 6 March 2026.Powered by Capital Market - Live

The scrip was listed at 129, matching the initial public offer (IPO) price. So far, the stock has hit a high of 132.75 and a low of 120.60. On the BSE, over 4.37 lakh shares of the company were traded in the counter so far. The initial public offer (IPO) of Aye Finance received bids for 4,42,21,288 shares as against 4,55,32,785 shares on offer. The issue was subscribed 0.97 times. The issue opened for bidding on 9 February 2026 and it closed on 11 February 2026. The price band of the IPO was fixed between Rs 122 and 129 per share. The issue also consists of offer for sale (OFS) of Rs 300 crore through issuance of 2.33-2.46 crore equity shares. The OFS from investor selling shareholders was Rs 30 crore from Alpha Wave India I LP, Rs 139.763 crore from MAJ Invest Financial Inclusion Fund II K/S, Rs 82.5 crore from CapitalG L P, Rs 30 crore from LGT Capital Invest Mauritius PCC with Cell E/VP and Rs 17.737 crore from Vikram Jetley. The company proposed to utilize the net proceeds from the fresh issue towards augmenting the capital base to meet future capital requirements. Ahead of the IPO, Aye Finance on 8 February 2026, the company raised Rs 454.49 crore from anchor investors, by allotting 3. 52 crore shares at Rs 129 each to 19 anchor investors. Aye Finance incorporated in 1993 is Delhi based non-banking financial company ' middle layer (NBFC-ML) focused on providing loans to micro scale micro, small and medium enterprises (MSMEs) across India. It offers a range of small ticket business loans with average ticket size on disbursement at Rs 1.8 lakh 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. Gross NPA ratio has increased from 2.49% at end March 2023 to 4.21% at end March 2025 and 4.85% end September 2025. The capital adequacy ratio was 32.27%, with Tier I capital comprising 32.27% and Tier II capital comprising Nil at end September 2025. For the six month ended 30 September 2025, the firm recorded a consolidated net profit of Rs 64.6 crore and income from operations of Rs 733.83 crore.Powered by Capital Market - Live

The equity shares of Aye Finance (Scrip Code: 544699) are listed effective 16 February 2026 and admitted to dealings on the Exchange in the list of ''B'' Group Securities. At 09:30 IST, the pre-open indicative price of the stock was at a premium of 0.78% compared to issue price of Rs 129. Powered by Capital Market - Live