Aye Finance Q2 FY27: PAT up 151% YoY to Rs. 87 crore, AUM up 26% to Rs. 7,597 crore
Q2 FY27 PAT up 151% YoY to Rs. 87 crore, AUM up 26% to Rs. 7,597 crore, GNPA down to 4.20%.
By ScoutQuest · · 1 min read
- PAT Growth
- Q2 FY27 PAT up 151% YoY to Rs. 87 crore
- AUM
- AUM up 26% to Rs. 7,597 crore
- GNPA
- GNPA down to 4.20%
- Period
- Q2 FY27 / H1 FY27 (quarter ended September 30,…
- Positioning
- Aye Finance describes itself as India's leading micro-enterprise lender, an RBI-registered NBFC-ML serving ~6.9 lakh active customers through 571 branches across 18 states and 3 UTs.
📈 Q2 FY27 Profit After Tax rose 151% YoY to Rs. 87 crore, which the company calls its highest ever quarterly profit; Gross Total Income grew 24% YoY to Rs. 527 crore and disbursements rose 15% QoQ to Rs. 1,403 crore. AUM stood at Rs. 7,597 crore, up 26% YoY.
📉 Asset quality improved: GNPA fell to 4.20% and PAR X to 6.94% from 8.03% a year earlier, while credit cost of 3.82% was within the guided 3.5-4.0% range. Opex ratio declined to 8.61%; H1 FY27 RoE was 12.34%.
🎯 Management states its three-year vision targets 28%-33% AUM CAGR, RoA of 4.0%-4.5%, RoE of 17.0%-20%, credit cost of 3.25%-3.75% and Opex of 7.0%-7.5%, alongside a rising mortgage loan share and deeper AI/ML in underwriting.
💰 The company says existing branches could add Rs. 4,000+ crore of AUM over the medium term without proportionate new branch additions; it opened no new branches in H1FY27. Net worth was Rs. 2,695 crore as of 30 September 2026.
Also from Aye Finance
Crisil monitoring report: no deviation from IPO objects for quarter ended September 30, 2026
23 Oct 2026
Aye Finance makes audio recording of October 22, 2026 earnings conference call available on website
22 Oct 2026
Aye Finance Q2FY27: credit cost falls to 3.8%, opex ratio to 8.6%, AUM up 26% YoY to INR 7597 Crore
21 Oct 2026
More numbers
- Profit After Tax, Q2 FY27Rs. 87 crore
- Gross Total Income, Q2 FY27Rs. 527 crore
- Disbursements, Q2 FY27Rs. 1,403 crore
- Assets Under Management, Sep 2026Rs. 7,597 crore
- Profit After Tax, H1 FY27Rs. 161 crore
- PAT growth YoY, Q2 FY27151%
- GNPA, Q2 FY274.20%
- Credit cost, Q2 FY273.82%
- Return on Equity, H1FY2712.34%
- Total Equity, 30 Sept 20262,695 (Rs. Crores)
- Borrowings, 30 Sept 20265,858 (Rs. Crores)
- Active customers~6.9 Lakh
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