What we do Aye Finance is a non-banking financial company providing small-ticket loans to micro scale MSMEs across India for working capital and expansion. |
Founded in 1,993 |
Market share AUM crossed Rs 5,000 Crore in FY 2025 with rapid branch expansion to over 560 branches nationwide. |
Problem solved Addresses lack of formal credit for micro MSMEs by offering flexible, secured and unsecured business loans using tech-enabled underwriting. |
Top clients or who we serve Micro scale MSMEs in manufacturing, trading, services and allied agriculture sectors across India; mainly B2B clients. |
Key management Sanjay Sharma (Founder, MD & CEO) - IIT Bombay, IIM Bangalore; Akash Purswani (Head Collections) - IIT Bombay, IIM Bangalore. |
Our journey and innovations Incorporated 1993, rebranded 2014, expanded from 1 to 568+ branches by FY25; technology and data science driven ‘phygital’ lending model. |
Where we operate Pan-India presence with 571 branches across 18 states and 3 Union Territories, serving diverse regional MSME markets. |
Top products or what we offer Small business loans including mortgage loans, secured/unsecured hypothecation loans, and Saral Property Loans for MSMEs. |
Top brands Saral Property Loans (market niche in micro MSME mortgage loans); secured and unsecured hypothecation loan products; recognized for tech-enabled underwriting. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from recurring interest and fee income on loans disbursed to MSME clients. |
Our industry position Emerging leader in micro MSME lending with strong branch network and tech-centric underwriting among NBFCs. |
Financial highlights FY25 Revenue Rs 1459.73 Cr; Net Profit Rs 171.27 Cr; AUM grew 23.5% YoY to Rs 6356 Cr; IPO raised Rs 1010 Cr in 2026. |
Geographical revenue split - |
Order book - |
Whats driving growth Growth driven by MSME credit demand, branch expansion, improved asset quality, technology adoption, and mortgage loan upselling. |
Our future plans Target 28%-33% CAGR growth with continued portfolio diversification, technology investments, and enhanced profitability metrics. |
Our green promise - |
Our people and values 10,785 employees; strong training focus with 396,829 training hours; 97% employee satisfaction; diverse inclusion culture. |
Key challenges ahead Managing credit risk, sustaining asset quality, competitive pressures, and regulatory compliance amid rapid expansion. |
Interesting facts Achieved 4 consecutive quarters' reduction in credit cost; only 3.33% average foreclosure rate; recognized as one of India's Best Workplaces. |
Risks and strategy Risks include credit defaults and operational risks; mitigation via data science models, robust collections, legal remedies, and strong governance. |
