Aye Finance Share Price Falls Over 6% After Q1FY27 Earnings Results: Total Income Up 18.1% YoY

On July 22, 2026, Aye Finance Limited reported its financial results for the quarter ending June 30, 2026, as per the exchange filings.  

The company achieved an 18.1% year-on-year increase in total income, reaching ₹489.66 crore, while net profit surged by 143.5% to ₹74.50 crore compared to the same period last year. 

Aye Finance Q1FY27 Earnings Results 

Aye Finance Limited's total income for the June 2026 quarter was ₹489.66 crore, marking an 18.1% year-on-year increase from ₹414.63 crore. 

However, this was a 7.9% decline from the previous quarter's ₹531.91 crore.  

The net profit for the quarter was ₹74.50 crore, up 143.5% from ₹30.59 crore a year ago, but down 13.3% from ₹85.91 crore in the March 2026 quarter. 

For the fiscal year 2026, the company reported a total income of ₹1,844.94 crore and a net profit of ₹193.63 crore.  

The Gross Non-Performing Assets (GNPA) stood at 4.49%, while the Net Non-Performing Assets (NNPA) were at 1.67%, both showing a reduction from the previous quarter. 

Asset Quality and Credit Costs 

The company has seen six consecutive quarters of reduction in credit costs, which were 4.01% in Q1FY27, down from 4.30% in Q4FY26. A credit rating upgrade to INDA+ (Stable Outlook) was received in June 2026, expected to lower borrowing costs.  

The Return on Average Assets Under Management (ROAUM) was 4.2% and Return on Equity (RoE) was 11.7%. 

On a net worth of ₹2,603 crore, the annualised Earnings Per Share (EPS) for the quarter was ₹12.08. The company increased its Provision Coverage Ratio (PCR) by 14 basis points to 63.80% due to geopolitical tensions and El Niño concerns. 

Business Growth and Customer Onboarding 

The Assets Under Management (AUM) grew by 28% year-on-year from ₹5,721 crore to ₹7,324 crore, driven by a 38% increase in new customer onboarding.  

Disbursements increased by 22% year-on-year from ₹1,001 crore to ₹1,219 crore. The company added 44,736 new borrowers in Q1FY27, a 38% year-on-year improvement. 

Read More: Karur Vysya Bank Share Price Falls Over 2% After Q1 FY27 Earnings Results: Total Income Up 15.8% YoY! 

Management Commentary 

As per the exchange filings, Mr Sanjay Sharma, Managing Director, Aye Finance Ltd, said, “Our Q1 FY27 performance reflects the robustness of our cluster-based underwriting model in serving India's micro-enterprise segment.  

We delivered 144% improvement in PAT and 28% growth in AUM YoY, with a 29bps reduction in our credit costs. The improvement in asset quality alongside strong profitable growth demonstrates the management’s philosophy of scaling up with good credit discipline” 

Aye Finance Share Price Performance 

As of July 22, 2026, at 12:36 PM, Aye Finance share price on NSE was trading at ₹176.04, down by 6.92% from the previous closing price. 

Conclusion 

Aye Finance Limited's Q1FY27 results show an 18.1% year-on-year increase in total income to ₹489.66 crore and a 143.5% rise in net profit to ₹74.50 crore. The company achieved a 28% growth in AUM and improved asset quality. 

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