• AUM growth guidance: Aye Finance targets a 25% to 30% increase in AUM for FY27, supported by resilient demand from micro-scale MSMEs that remain insulated from geopolitical tensions and supply chain disruptions.
• Asset quality metrics: March collection efficiency for regular customers stood at 99.5% across key states like Bihar, Uttar Pradesh, and Rajasthan, while Stage 2 delinquency remained low at 1.2%.
• Net interest margins: FY27 NIM is guided between 14.25% and 14.75%, moderating from 16.4% in Q4 as the portfolio shifts toward mortgage loans—now 23% of the mix—which carry yields 3% to 4% lower than hypothecation loans.
• Cost of borrowing: Management expects a 30 to 50 basis points reduction in borrowing costs as legacy debt at 10.9% interest is replaced by new borrowings raised at 10.13%.