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AYE Finance Limited
AYE Finance is a systematically important Non-deposit taking NBFC that commenced operations in 2014. Aye is the only scaled, pan-India player providing Collateral free small-ticket business loans to a large credit-starved micro-enterprise segment.
Sector Focus
Finance NBFC
Highest Credit Rating
A Stable by Ind-Ra
Listing (Debt)
BSE
Date of NBFC License by RBI
2013
Business & Products
Hypothecation Loans, Quasi –Mortgage Loans, Mortgage loans
Promoter
Mr. Sanjay Sharma
Founder & MD
Key Management Personnel
Mr. Niraj Kumar Kaushik
Deputy CEO
Ex Royal Bank of Scotland N.V, L&T Limited and ICICI Personal Financial Services Limited
Mr. Govinda Rajulu Chintala
Independent Director
Ex Chairman NABARD, Ex MD NABFINS
Mr. Krishan Gopal
CFO
CA
Mr. Ujual George
COO
IIM Bangalore alumnus
Bonds issued by AYE Finance Limited
Financial Performance
| Particulars | H1 FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1640.69 | 1575.70 | 1184.59 |
| REVENUE | 863.02 | 1504.99 | 1071.75 |
| PAT | 65.12 | 171.27 | 161.13 |
| CRAR% | 32.27 | 34.9 | 32.79 |
| GNPA% | 4.85 | 4.21 | 3.19 |
| NNPA% | 1.78 | 1.40 | 0.91 |
| GEARING (times) | 3.21 | 2.89 | 2.97 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| INDIA RATING AND RESEARCH PVT | A | Stable | as on 8th July, 2025 |
Top Lenders to AYE Finance Limited
IDFC First Bank
SIDBI
HSBC
RBL Bank
Standard Chartered bank
Strength
Strengthening loan book through focused expansion of mortgage product
Improved capitalization provides headroom for further scaling of franchise
Experienced management, marquee shareholders
Improving profitability with rise in scale to drive operating leverage benefits
Improving funding diversification
Established information technology (IT) systems and processes
Weakness
Elevated credit costs due to hypothecation portfolio volatility
News & Announcement
Important Links
Related Webinar
Source:
Investor Presentation, Information Memorandum & Rating Rationale of Aye Finance Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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