Aye Finance IPO Details 2026

Aye Finance Limited, established in 1993, is a Non-Banking Financial Company (NBFC) focused on providing customised financing solutions to micro and small enterprises. The company offers both secured and unsecured working capital loans, including mortgage-backed loans, property-backed “Saral” loans, and hypothecation-based credit facilities, primarily catering to micro-scale MSMEs.

The company supports business growth and operational needs by extending loans for expansion, inventory, and day-to-day working capital requirements. These facilities are backed by business assets or property, serving enterprises operating across manufacturing, trading, services, and allied agricultural activities.

Aye Finance Limited has built a strong nationwide presence, serving over 5.86 lakh active customers across 18 states and 3 union territories. The company manages a sizeable loan portfolio, reflecting its deep penetration in the under-served small business lending segment.

Product Portfolio

• Mortgage-Backed Business Loans

• “Saral” Property Loans

• Secured Hypothecation Loans

• Unsecured Hypothecation Loans

The company has demonstrated consistent operational scale-up. For the six-month periods ended September 30, 2025 and September 30, 2024, and for FY2025, FY2024, and FY2023, Aye Finance employed 10,459, 8,388, 9,102, 6,825, and 5,724 full-time employees, respectively, across its India operations.

Competitive Advantages

• Market leadership in small-ticket lending to micro-scale MSMEs with a broad and targeted product suite

• Strong origination capabilities supported by a pan-India footprint and high customer retention

• Disciplined and data-driven credit underwriting framework

• Well-structured, multi-layered collection and recovery mechanism

• Technology-enabled operations enhancing scalability and risk management

• Access to a diversified funding base enabling cost-efficient borrowing

• Experienced management team supported by reputed investors and a committed workforce