Aye Finance is an NBFC-Middle Layer that provides credit to micro-scale enterprises that are typically underserved by traditional banks. It is known for its "Cluster-Based Underwriting" model, where it uses data and deep local market understanding to lend to informal businesses in manufacturing, trading, and services. It mainly focuses on Micro-enterprises with annual turnovers between ₹20 Lakh and ₹1 Crore and offers secured (mortgage) and unsecured (hypothecation) working capital loans.;

CEO/MD

Mr. Sanjay Sharma

Founded in

1993

NSE symbol

AYE

Shareholding Pattern

Dec '24

Dec '25

Feb '26

Mar '26

Foreign Institutions
69.99%
Other Domestic Institutions
13.50%
Retail And Others
11.62%
Mutual Funds
4.89%

Mutual Funds Invested (4)

Fund name	AUM%
WhiteOak Capital Mid Cap Fund Direct Growth	0.03
WhiteOak Capital Flexi Cap Fund Direct Growth	0.03
Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth	0.92
Bank of India Small Cap Fund Direct Growth	0.99

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ScoutQuest • 2 weeks ago

Aye Finance approves issuance of secured NCDs worth $15M with INR 1L face value. Debentures have a 5-year tenure, semi-annual interest, and will list on BSE.

Inc42 • 2 weeks ago

Aye Finance plans to raise $15M via NCDs, listed on BSE Wholesale Debt Market. Q4 FY26 net profit surged 111% YoY to ₹85.9 Cr; shares fell 4.7% to ₹140.

BSE • 3 weeks ago

Aye Finance's WALCO board meeting on June 8, 2026, to consider issuance of listed secured NCDs worth up to $15M. The NCDs will be issued on a private placement basis under SEBI Listing Regulations.

ScoutQuest • 2 months ago

Aye Finance raised INR 1,010 Cr via IPO in Feb 2026. AUM grew 27% YoY to INR 7,044 Cr; focus on MSME loans.

ScoutQuest • 2 months ago

Aye Finance appoints Gaurav Seth as CFO, leveraging 27 years of BFSI experience. Company doubled Q4 net profit to ₹86 crore with focus on treasury and governance.

Livesquawk • 2 months ago

AYE Finance aims for 25-30% growth in FY27 with 4-4.5% RoA. Credit costs are projected to normalize at 3.5-4%.

ScoutQuest • 2 months ago

Aye Finance reports a Q4 profit surge, rising over 2x to ₹86 crore.

Livesquawk • 2 months ago

AYE Finance targets 28-33% AUM growth over the next three years.

ScoutQuest • 2 months ago

Aye Finance's AUM rose 27% YoY to ₹7,044 Cr in FY26; disbursements grew 20%. Gross NPA improved to 4.77%; IPO raised ₹710 Cr, boosting balance sheet and growth.

ScoutQuest • 2 months ago

Aye Finance appoints Gaurav Seth as CFO; Satyaprakash remains Head of Strategy. MSKA & Associates named statutory auditor for 3 years after AGM.

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