Q3-FY26 · Sanjay Sharma
Our performance in quarter three clearly demonstrates the robustness of our business model and indeed the robustness of our customer segment.
AYEFINANCE / language trends
Read confidence between the lines.
Aye Finance · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q3-FY26 · Sanjay Sharma
We are targeting to start the new financial year at a normal level of credit cost for a business segment.
Q3-FY26 · Nir Koshit
We believe that the mortgage share of the overall portfolio should increase to about 30% which is the ideal mix.
Q4-FY26 · Sanjay Sharma
Our differentiated approach of combining proprietary underwriting models and use of AI and machine learning has so far positioned us as a dominant player to capture this opportunity with responsibility.
Q4-FY26 · Sanjay Sharma
We have also increased our provision coverage ratio. So unlike in the market the trend is to lower it in a difficult year. We've not done that.
Q4-FY26 · Soap Prakash
We intend to keep it above 60% level. Even though there would be a change in mix with mortgage increasing, which should bring down the overall provision level, but we intend to keep it above 60% in the next financial year also.