Incorporated in 1993, Aye Finance Limited is an NBFC offers secured and unsecured small business loans for working capital, including mortgage loans, ‘Saral’ Property Loans, secured and unsecured hypothecation loans, primarily to micro-scale MSMEs.

The company offers business loans for business expansion, secured by working assets or property, to customers in manufacturing, trading, service, and allied agriculture sectors.

The company is serving 586,825 active customers across 18 states and three union territories with significant assets under management.

For the year/period ended (Rs. in Cr.)

For year/ period ended ( in Cr.)

*Market cap @upper band

• Leading Lender of Small-Ticket Loans to Micro Scale MSMEs with Comprehensive Product Offerings and Focus on Serving Large and Unaddressed TAM
• Strong Sourcing Capabilities Supported by a Diversified Pan-India Presence and High Customer Retention
• Effective Underwriting Methodology
• Robust Multi-Tiered Collection Capabilities
• Building Resilience through Technological Prowess
• Access to Diversified Lender Base and Cost-Effective Financing
• Experienced and Professional Management Team backed by Marquee Investors with a Committed Employee Base

• Mortgage Loans
• ‘Saral’ Property Loans
• Secured Hypothecation Loans
• Unsecured Hypothecation Loans

At the upper band of IPO Rs. 129, the stock is valued at 1.71 P/BV multiple. Hence, well-informed investors subscribe for medium to long term perspective.