FY26 AUM growth of 29-30%
Management expects full-year AUM growth of 29-30%, driven by strong Q4 disbursement momentum.
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Aye Finance · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
Three-year vision: 30% CAGR, credit cost 3.25-3.75%, ROA 4-4.5%
Over the next three years, the company targets consistent 30% AUM growth, credit cost between 3.25% and 3.75%, and ROA of 4-4.5%.
Q4 FY26 annualized credit cost below 4%
Management expects quarterly annualized credit cost to fall below 4% in Q4 FY26, setting up for FY27.
Mortgage portfolio to reach 30% of AUM over 3 years
The mortgage loan share is targeted to increase from current 21% to 30% of total AUM over the next three years.
AUM growth of 25-30% in FY27
Management expects assets under management to grow 25-30% in the current financial year.
Credit cost guidance of 3.5-4% for FY27
Credit cost is expected to normalize to 3.5-4% in FY27, supported by better portfolio quality.
Operating expense ratio target of 8.25-8.75% in FY27
Operating expense ratio is expected to decline from 9.6% to 8.25-8.75% by leveraging existing capacity.
ROA target of 4-4.5% in FY27
Return on assets is expected to be in the range of 4-4.5% for the current financial year.