Investor Presentation

Here's a summary of Aye Finance Limited's investor presentation, tailored for retail investors: **Aye Finance: Strong Q1 Performance Highlights** **1. Business Performance:** Aye Finance demonstrated robust growth in Q1 FY27, with Assets Under Management (AUM) reaching ₹7,324 Cr, up 28% YoY.

Disbursements also saw a significant 22% YoY increase to ₹1,219 Cr.

Gross Total Income grew 22% YoY to ₹490 Cr.

Profit after Tax surged an impressive 144% YoY to ₹75 Cr, signaling improved operational efficiency and a healthier portfolio. **2. Growth Drivers or Strategy:** The company continues to focus on its phygital approach, combining a strong branch network with digital collection methods for effective customer engagement.

A key strategy is the expansion of its mortgage loan business and deeper integration of AI/ML in underwriting to enhance efficiency and profitability. **3. Recent Developments:** India Ratings & Research upgraded Aye Finance's long-term rating to IND A+ with a Stable Outlook.

This upgrade is expected to help diversify funding sources and optimize borrowing costs. **4. Key Financial Metrics:** * Assets Under Management (AUM): ₹7,324 Cr (+28% YoY) * Disbursements: ₹1,219 Cr (+22% YoY) * Gross Total Income: ₹490 Cr (+22% YoY) * Profit after Tax: ₹75 Cr (+144% YoY) **5. Management Commentary / Outlook:** Management is optimistic about Q2 FY27, anticipating further improvements in business momentum driven by increasing customer demand and stable collections.

The focus remains on disciplined credit expansion and maintaining industry-leading asset quality.

The company is targeting 28%-33% AUM CAGR over the next three years.