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Aye Finance Limited is a non-banking financial company (NBFC) specializing in providing small-ticket business loans to micro-scale Micro, Small, and Medium Enterprises (MSMEs) across India. The company focuses on serving the working capital and business expansion needs of entrepreneurs in manufacturing, trading, services, and allied agriculture sectors. Its product suite includes mortgage loans, 'Saral' Property Loans, and both secured and unsecured hypothecation loans, with an average ticket size of ₹0.15 million.
Feb 09, 2026
Feb 11, 2026
Feb 16, 2026
Mainboard
Closed
1010 Cr
710 Cr
300 Cr
₹122 - ₹129
116
The main objective of the Fresh Issue is to utilize the Net Proceeds for the following purpose:
Augmenting the company's capital base to meet future capital requirements arising from the growth of its business and assets, thereby ensuring compliance with regulatory capital adequacy ratios and supporting onward lending activities.
14.11
9.14
12.12%
5.57%
12.12%
—
11.64%
26.04%
1.71
Leading lender to micro-scale MSMEs with a comprehensive and diversified product portfolio.
Unique 'business cluster' based underwriting methodology for assessing customers with limited financial records.
Robust 'phygital' model combining a wide branch network with advanced technology for operational efficiency.
Strong and diversified lender base ensuring access to cost-effective financing.
Significant portion of the loan portfolio consists of unsecured hypothecation loans, posing higher credit risk.
Reliance on information provided by customers who often have limited formal financial documentation.
History of negative cash flows from operating activities due to high volume of disbursements.
Operations are subject to seasonality, with performance fluctuating in different quarters of the fiscal year.
Vast and underserved market of micro-enterprises in India with a substantial unmet credit demand.
Increasing financial inclusion and literacy in rural and semi-urban areas driving demand for formal credit.
Leveraging technology like AI/ML to further enhance underwriting precision and operational scalability.
Opportunity to increase penetration in existing geographies and grow the higher-ticket mortgage loan portfolio.
High sensitivity to interest rate volatility, which can impact net interest margins and loan demand.
Intense competition from banks, other NBFCs, and new-age fintech lenders.
Changes in regulations governing the financial services industry could adversely affect business operations.
Economic slowdowns or external shocks can disproportionately affect the micro-enterprise segment, leading to higher defaults.
Aye Finance Limited is a non-banking financial company (NBFC) specializing in providing small-ticket business loans to micro-scale Micro, Small, and Medium Enterprises (MSMEs) across India. The company focuses on serving the working capital and business expansion needs of entrepreneurs in manufacturing, trading, services, and allied agriculture sectors. Its product suite includes mortgage loans, 'Saral' Property Loans, and both secured and unsecured hypothecation loans, with an average ticket size of ₹0.15 million.
The Aye Finance Ltd. IPO is scheduled to open for subscription on Feb 09, 2026 and close on Feb 11, 2026. Investors can apply for shares during this period through eligible platforms.
The price band for the Aye Finance Ltd. IPO is ₹122 to ₹129. Investors can place bids within this range once the issue opens.
The minimum lot size for the Aye Finance Ltd. IPO is 116 shares. The minimum investment amount ₹14,964.
The total issue size of the Aye Finance Ltd. IPO is approximately ₹1,010.00. Issue size represents the total value of shares offered to the public.
As per the latest available information, the Aye Finance Ltd. IPO has been subscribed 0.17 times. Subscription levels can change significantly during the offer period.
The Grey Market Premium (GMP) for the Aye Finance Ltd. IPO is not available as of now. GMP reflects unofficial market sentiment and should not be considered a guarantee of listing performance.
The shares of Aye Finance Ltd. are expected to list on stock exchanges on Feb 16, 2026, subject to completion of the allotment process and regulatory approvals.
The net proceeds from the Aye Finance Ltd. IPO are proposed to be used for The main objective of the Fresh Issue is to utilize the Net Proceeds for the following purpose:, Augmenting the company's capital base to meet future capital requirements arising from the growth of its business and assets, thereby ensuring compliance with regulatory capital adequacy ratios and supporting onward lending activities.
Before applying for the Aye Finance Ltd. IPO, investors generally review the company’s business model, financial performance, valuation, industry outlook, and risk factors mentioned in the offer document.
