BSE List Price : ₹129.00

NSE List Price : ₹129.00

subscription

Category	Times
QIBs	1.62x
HNIs	0.05x
Retail	0.81x
Total : 1.04x

IPO Market Lot(s) Distribution

Application	Lot Size	Shares	Amount
Retail Minimum	1	116	₹14,964
Retail Maximum	13	1,508	₹194,532
S-HNI Minimum	14	1,624	₹209,496
S-HNI Maximum	66	7,656	₹987,624
B-HNI Minimum	67	7,772	₹1,002,588

About the Company

Incorporated in 1993, Aye Finance Limited is a non-banking financial company (NBFC) that specializes in providing secured and unsecured loans to micro and small MSMEs.

The company mainly offers working capital and business growth financing, backed by property or business assets, catering to enterprises in manufacturing, trading, services, and allied agricultural sectors.

As of September 30, 2024, Aye Finance serves over 508,000 active customers across 18 states and three Union Territories, supported by a strong field presence and an expanding loan portfolio.

Company Financial Report

_{Amount ₹ in Crores}

Period Ended	Revenue	Expense	PAT	Assets
2023	₹643.34	₹571.94	₹39.87	₹3126.00
2024	₹1071.75	₹843.89	₹171.68	₹4869.59
2025	₹1504.99	₹1279.98	₹175.25	₹6338.63
Sep 2025	₹863.02	₹780.44	₹64.60	₹7116.01

Company Promoter

NA

Know before investing

• • Strengths

  Diversified MSME Loan Portfolio: Provides a mix of secured and unsecured small-value loans, addressing the needs of an under-served micro-MSME segment.

  Robust Underwriting Strength: Uses cluster-based cash flow analysis to accurately assess the creditworthiness of MSME borrowers.

• • Risks

  Credit Default Risk:The Company faces default risk due to lending to micro-level MSMEs with limited financial records and collateral.

  Dependence on Customer and Third-Party Information: Credit decisions rely on borrower and third-party data; any inaccuracies may impact credit assessment and collateral valuation.

Objects of the Issue & Utilisation of proceeds

NA

Company  Address

Aye Finance Ltd.
M-5, Magnum House-I,
Community Centre,
Karampura
New Delhi, New Delhi, 110015
Phone: +91 124 484 4000
Email: secretarial@ayefin.com
Website: https://www.ayefin.com/

IPO Registrar

Kfin Technologies Ltd.
Phone: 04067162222, 04079611000
Email: ayefinance.ipo@kfintech.com
Website: https://ipostatus.kfintech.com/

IPO Review

Avoid