AYE FINANCE - Q1 FY27 Business Update

$AYE Strong business growth: AUM increased 28% YoY to ₹7,329 crore, while disbursements rose 22% YoY to ₹1,219 crore, reflecting continued healthy lending momentum. Customer acquisition remained robust: The company added 44,736 new borrowers during the quarter (+38% YoY), taking the total borrower base to 6.71 lakh (+18% YoY). Asset quality improved: GNPA declined to 4.57% from 4.77% in Q4FY26, while management highlighted a 20 bps sequential improvement and expects further improvement in FY27. Operational efficiency strengthened: Employee productivity improved with AUM per employee up 12% YoY to ₹0.67 crore, supported by a 14% YoY increase in workforce, indicating positive operating leverage.