AYE

Strong loan book growth

1. Focus on MSME lending Aye Finance continues to focus on providing loans to micro and small businesses that are often underserved by traditional banks. The company remains one of the leading NBFCs in the MSME financing segment. 2. Strong loan book growth The company has continued to expand its loan portfolio across: Small businesses Retail traders Service enterprises Manufacturing units Demand for MSME credit remains robust across India. 3. Digital lending initiatives Aye Finance is increasingly leveraging technology and data analytics to improve: Credit assessment Loan disbursement Collection efficiency Customer acquisition 4. Asset quality remains a key focus Investors are closely tracking: Collection efficiency Gross NPA levels Credit costs Delinquency trends Maintaining asset quality is critical for sustained growth. 5. Expansion in Tier-2 and Tier-3 markets The company continues expanding its presence in smaller cities and semi-urban markets where MSME credit demand remains strong. 6. Strong backing from institutional investors Aye Finance has historically attracted investments from prominent domestic and global investors, supporting growth and expansion plans. 7. Beneficiary of MSME formalization Increasing digitization, GST adoption and formalization of small businesses continue to create long-term lending opportunities.