Aye Finance Limited share price

Key numbers

Market cap

₹ 4,090 Cr

Current price

₹ 167.25

52-week high / low

₹ 197 / 88

Stock P/E

17.2

Book value

₹ 114.7

Dividend yield

0.00%

ROCE

5.9%

ROE

9.2%

Debt to equity

2.00

Sales growth (3 yrs)

40.4%

Profit growth (3 yrs)

69.3%

1-year return

-

About Aye Finance Limited

Aye Finance Limited, a non-banking financial company, provides loans to micro, small, and medium enterprises in India. The company offers a range of business loans 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. It also provides secured and unsecured hypothecation loan; mortgage and emergency credit line guarantee scheme loans; shakti loans for women-led micro-enterprises; SwitchPe, a supply chain finance platform designed to empower merchants and retailers by providing seamless access to unsecured credit lines through a digital interface; and Saral Property loans, a combination of property collateral and hypothecation of business assets enabling access to credit despite documentation constraints. Aye Finance Limited was incorporated in 1993 and is based in Gurugram, India.

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-07-30)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• In fact, if you go to the IMD site, it states that the expectation they have, and I'm quoting from that site, is about 92% of the long-term average of rainfall plus-minus 5%.
• Our guidance on credit cost was, and at the beginning of the year we had given a guidance of 3.5% to 4%, and this appears well within our grasp now.

Growth & demand

• During this quarter, we disbursed INR1,219 crores, which represents a growth of 22% year-on- year.
• The momentum translated into assets under management of INR7,324 crores, reflecting a growth of 28% year-on-year and 4% sequentially from INR7,044 crores that we ended March 2026 at.

Margins & costs

• The credit cost declined to 4.01% during the quarter, improving by 29 basis points sequentially and continuing the downward trajectory that we have witnessed over the last few quarters.
• It is expected to, on one hand, broaden our lender relationships and enhance funding flexibility, and on the other hand, it is also going to reduce our borrowing cost by approximately 20 to 25 basis points on the incremental borrowings over the course of the year.

Capex & expansion

• Customer acquisition has remained another area of strength even in the quarter that has gone by.
• Alongside this, we will continue investing in technology, in analytics, even in the AI area, we have already had machine learning models and AI-related models deployed over the last few years, and we'll continue to focus and strengthen those.

Balance sheet & cash

• Despite the increasing share of mortgage loans in our portfolio, our NIM actually improved by 20 basis points sequentially to 15.9%, powered primarily by the falling interest cost and the falling overall borrowing rates.
• They want a typical working capital loan of INR1 to INR2 lakhs.

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