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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. Gaurav Seth
CFO
CA
Mr. Ujual George
COO
IIM Bangalore alumnus
Bonds issued by AYE Finance Limited
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Financial Performance
ParticularsFY26 (₹ in cr)FY25 (₹ in cr)FY24 (₹ in cr)
NET WORTH2464.691575.701184.59
REVENUE1863.241504.991071.75
PAT193.63171.27161.13
CRAR%42.2434.932.79
GNPA%4.774.213.19
NNPA%1.791.400.91
GEARING (times)2.062.892.97
Credit Rating
Credit Rating AgencyRatingRating OutlookDate
INDIA RATING AND RESEARCH PVTA+Stableas on 24th June, 2026
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
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Aye Finance gets SEBI nod for ₹1,450 crore IPO
Financial Update
Important Links
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Annual Reports
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Financial Results
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Headline
Published On
AYE FINANCE LIMITED has informed the Exchange regarding Investor Presentation. Filed on 21-Oct-2026 15:55:10.
Announcements
21 Oct, 2026 03:55 PM
AYE FINANCE LIMITED has informed the Exchange regarding Statement of deviation(s) or variation(s) under Reg. 32. Filed on 21-Oct-2026 12:30:04.
Announcements
21 Oct, 2026 12:30 PM
AYE FINANCE LIMITED has informed the Exchange regarding Press Release. Filed on 21-Oct-2026 12:01:12.
Announcements
21 Oct, 2026 12:01 PM
AYE FINANCE LIMITED has informed the Exchange regarding Outcome of Board Meeting. Filed on 21-Oct-2026 11:47:47.
Announcements
21 Oct, 2026 11:47 AM
AYE FINANCE LIMITED has informed the Exchange regarding Alteration Of Capital and Fund Raising-XBRL. Filed on 16-Oct-2026 20:33:34.
Announcements
16 Oct, 2026 08:33 PM
Market News New
>
Announcements
•
21 Oct, 2026 03:55 PM
AYE FINANCE LIMITED has informed the Exchange regarding Investor Presentation. Filed on 21-Oct-2026 15:55:10.
Announcements
•
21 Oct, 2026 12:30 PM
AYE FINANCE LIMITED has informed the Exchange regarding Statement of deviation(s) or variation(s) under Reg. 32. Filed on 21-Oct-2026 12:30:04.
Announcements
•
21 Oct, 2026 12:01 PM
AYE FINANCE LIMITED has informed the Exchange regarding Press Release. Filed on 21-Oct-2026 12:01:12.
Announcements
•
21 Oct, 2026 11:47 AM
AYE FINANCE LIMITED has informed the Exchange regarding Outcome of Board Meeting. Filed on 21-Oct-2026 11:47:47.
Announcements
•
16 Oct, 2026 08:33 PM
AYE FINANCE LIMITED has informed the Exchange regarding Alteration Of Capital and Fund Raising-XBRL. Filed on 16-Oct-2026 20:33:34.
Source:
Investor Presentation, Information Memorandum & Rating Rationale of Aye Finance Limited
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© 2026 India Bond Pvt Ltd.
India Bond Private Limited
CIN: U67100MH2008PTC178990 |
SEBI Registration No.(Stock Broker): INZ000311637 |
NSE Member ID - Debt Segment: 90316 |
BSE Member ID - Debt Segment: 6811 |
SEBI Registration No.(DP):
IN-DP-855-2026 |
NSDL DP ID: IN305103
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.

*Numbers as on specific date.

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