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 is serving 586,825 active customers across 18 states and three union territories with significant assets under management.
Product Offerings:
In the six months ended September 30, 2025 and September 30, 2024, and Fiscals 2025, 2024 and 2023, the company had 10,459, 8,388, 9,102, 6,825 and 5,724 full-time employees, respectively, engaged in the operations in India.
Competitive Strengths:
| Period Ended | 30 Sep 2025 | 31 Mar 2025 | 30 Sep 2024 | 31 Mar 2024 | 31 Mar 2023 |
|---|---|---|---|---|---|
| Assets | 7,116.01 | 6,338.63 | 5,819.05 | 4,869.59 | 3,126.00 |
| Total Income | 863.02 | 1,504.99 | 717.05 | 1,071.75 | 643.34 |
| Profit After Tax | 64.60 | 175.25 | 107.80 | 171.68 | 39.87 |
| NET Worth | 1,727.37 | 1,658.87 | 1,593.17 | 1,232.65 | 754.49 |
| Reserves and Surplus | 1,689.58 | 1,621.08 | 1,555.39 | 1,192.72 | 724.04 |
| Total Borrowing | 5,218.50 | 4,526.33 | 4,083.10 | 3,498.99 | 2,296.16 |
| Amount in ₹ Crore | |||||
| KPI | Sep 30, 2025 | Mar 31, 2025 |
|---|---|---|
| ROE | 7.63% | 12.12% |
| Debt/Equity | 3.02 | 2.73 |
| RoNW | 3.82% | 12.12% |
| Price to Book Value | 1.45 | 1.71 |
| Pre IPO | Post IPO | |
|---|---|---|
| EPS Rs | 9.14 | 5.24 |
| P/E (x) | 14.11 | 24.64 |
| IPO Date | 9 to 11 Feb, 2026 |
| Listing Date | Mon, Feb 16, 2026T |
| Face Value | ₹2 per share |
| Price Band | ₹122 to ₹129 |
| Lot Size | 116 Shares |
| Sale Type | Fresh Capital & OFS |
| Issue Type | Bookbuilding IPO |
| Listing At | BSE, NSE |
| Total Issue Size | 7,82,94,572 shares (agg. up to ₹1,010 Cr) |
| Fresh Issue | 5,50,38,759 shares (agg. up to ₹710 Cr) |
| Offer for Sale | 2,32,55,813 shares of ₹2 (agg. up to ₹300 Cr) |
| Share Holding Pre Issue | 19,17,45,507 shares |
| Share Holding Post Issue | 24,67,84,266 shares |
As per our analysis and Based on the information we have, this is the output.
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