Aye Finance Limited
133.55
INR
+0.35
(+0.26%)
Aye Finance Limited
BSE:AYE
(Bombay Stock Exchange)
Recent
price
133.55
P/E
ratio
25.15
div
yld
- -
ROIC.AI
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- Business
- Aye Finance Limited is an Indian non-banking financial company (NBFC) providing tailored debt financing solutions and credit facilities to underserved micro, small, and medium enterprises (MSMEs). The company specializes in lending to informal and unorganized micro-enterprises across manufacturing, trading, retail, and service sectors that lack traditional financial documentation. Aye Finance's core product and service offerings comprise hypothecation loans for working capital requirements and inventory financing; mortgage loans and loans against property for long-term business expansion, machinery acquisition, and premises construction; quasi-mortgage credit facilities secured by non-standard or informal property documentation; top-up and add-on business loans for established borrowers; dairy and livestock financing for rural and allied agricultural enterprises; and integrated digital credit management and repayment services. The company employs a proprietary cluster-based underwriting methodology combined with artificial intelligence-driven risk assessment models and behavioural data analytics to evaluate cash flows and creditworthiness at the regional cluster level. Founded in 2014 and headquartered in Gurugram, Haryana, India, Aye Finance operates an extensive branch network across northern, central, western, and southern India, serving hundreds of thousands of micro-enterprises in tier-2, tier-3, and rural markets. In recent operational developments, the company converted to a public limited entity, secured over INR 310 crore (USD 37 million) in Series F equity funding led by British International Investment with participation from existing investors, raised substantial debt capital from international impact financiers including ResponsAbility Investments and BlueOrchard, expanded its branch footprint across regional enterprise clusters, and deployed enhanced digital onboarding and loan origination platforms to optimize credit delivery.