Aye Finance Ltd IPO
IPO Timeline
Category-wise Subscription
| Category | Sub (x) | Offered | Bid For | Amt (Cr)* |
|---|---|---|---|---|
| QIB | — | 58,720,929 (75%) | — | ₹75,750 Cr |
| NII (HNI) | — | 11,744,186 (15%) | — | ₹15,150 Cr |
| Retail | — | 7,829,457 (10%) | — | ₹10,100 Cr |
| Σ Total | — | 78,294,572 (100%) | — | ₹1,010,000 Cr |
Only available investor categories are shown. Amount is auto-calculated when shares offered and issue price are available.
Issue Details
Minimum Investment (Lot-wise)
| Category | Lots | Shares | Amount (₹) |
|---|---|---|---|
| Retail (Min) | 1 | 116 | ₹14,964 |
| Retail (Max) | 13 | 1,508 | ₹194,532 |
| S-HNI (Min) | 14 | 1,624 | ₹209,496 |
| B-HNI (Min) | 67 | 7,772 | ₹1,002,588 |
Financial Statements Amount in ₹ Crore
| Metric | 30 Sep 2025 | 31 Mar 2025 | 30 Sep 2024 |
|---|---|---|---|
| Revenue | 863 | 1,505 | 717 |
| Profit After Tax | 65 | 175 | 108 |
| Net Worth | 1,727 | 1,659 | 1,593 |
| Total Assets | 7,116 | 6,339 | 5,819 |
| Reserves & Surplus | 1,690 | 1,621 | 1,555 |
| Total Borrowing | 5,219 | 4,526 | 4,083 |
Valuation & Key Ratios
Grey Market Premium (GMP)
GMP is an unofficial grey market indicator and does not guarantee actual listing price. Invest at your own risk.
Objects of the Issue
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Company Overview
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 offers business loans for business expansion, secured by working assets or property, to customers in manufacturing, trading, service, and allied agriculture sectors.
The company is serving 586,825 active customers across 18 states and three union territories with significant assets under management.
Product Offerings:
- Mortgage Loans
- Saral’ Property Loans
- Secured Hypothecation Loans
- Unsecured Hypothecation Loans
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:
- Leading Lender of Small-Ticket Loans to Micro Scale MSMEs with Comprehensive Product Offerings and Focus on Serving Large and Unaddressed TAM
- Strong Sourcing Capabilities Supported by a Diversified Pan-India Presence and High Customer Retention
- Effective Underwriting Methodology
- Robust Multi-Tiered Collection Capabilities
- Building Resilience through Technological Prowess
- Access to Diversified Lender Base and Cost-Effective Financing
- Experienced and Professional Management Team backed by Marquee Investors with a Committed Employee Base