AFAye Finance544699Quarterly results

Aye Finance Q2FY27: credit cost falls to 3.8%, opex ratio to 8.6%, AUM up 26% YoY to INR 7597 Crore

Credit cost fell for the seventh straight quarter to 3.8% and the operating expense ratio to 8.6%, the lowest in eight quarters.

By ScoutQuest · Wed 21 Oct 2026, 12:02 PM IST · 1 min read

Credit Cost

3.8%, fell for the seventh straight quarter

AUM

INR 7597 Crore, up 26% YoY

RoAUM

4.7% in Q2FY27 versus 2.4% in Q2FY26 and 4.2% in Q1FY27

Release

Results press release

Period

Q2 FY27

_Standalone · Q2 FY27_

📌 RoAUM, Q2FY27: 4.7% (versus 2.4% in Q2FY26 and 4.2% in Q1FY27)

📌 Aye Finance reported RoAUM of 4.7% for Q2FY27 versus 2.4% in Q2FY26 and 4.2% in Q1FY27, and a return on equity of 13.1% against 8.1% a year earlier.

📉 Net interest margin fell 34bps QoQ to 15.6%, though the company reports it was up 173bps YoY.

📌 Active customers rose 18% YoY and 4% QoQ to 6.94 lakh, as disbursements for the quarter rose 15% QoQ.

📉 Net interest margin fell to 15.6% in Q2FY27, lower by 34bps QoQ, though it was up 173bps YoY.

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