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| RHP |
| Final Prospectus |
| Anchor List |
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Disclaimer: GMP is sourced from grey market dealers and is indicative only. Always conduct your own due diligence.
* Allotment, Refund, Demat Credit & Listing dates are tentative and subject to change.
Minimum bid: 116 shares and in multiples thereof
Aye Finance Limited is a non-banking financial company (NBFC) that provides both secured and unsecured working capital loans to small businesses. Its product portfolio includes mortgage loans, Saral property loans, and hypothecation-based financing, primarily catering to micro-scale MSMEs.
The company supports business growth and expansion by offering loans backed by business assets or property to enterprises operating in the manufacturing, trading, services, and allied agriculture sectors.
As of September 30, 2024, Aye Finance Limited serves 508,224 active customers across 18 states and three union territories, supported by a strong and growing assets-under-management base.
Aye Finance follows a “phygital” approach, blending personalized, on-ground service through 499 branches with advanced digital platforms to deliver efficient financial solutions nationwide.
Competitive Strengths:
The Company proposes to utilise the Net Proceeds from the Issue towards the following objects:
| # | Issue Objects | Est Amt (₹ Cr.) |
|---|---|---|
| 1 | Augmenting capital base to meet Company’s future capital requirements arising out of growth of business and assets | 672.24 |
| 2 | Issue Expenses | 53.73 |
| Total | 725.97 |
| Period Ended | 30 Sep 2025 | 31 Mar 2025 | 30 Sep 2024 | 31 Mar 2024 | 31 Mar 2023 |
|---|---|---|---|---|---|
| Assets | 7,116.01 | 6,338.63 | 5,819.05 | 4,869.59 | 3,126.00 |
| Total Income | 863.02 | 1,504.99 | 717.05 | 1,071.75 | 643.34 |
| Profit After Tax | 64.60 | 175.25 | 107.80 | 171.68 | 39.87 |
| NET Worth | 1,727.37 | 1,658.87 | 1,593.17 | 1,232.65 | 754.49 |
| Reserves and Surplus | 1,689.58 | 1,621.08 | 1,555.39 | 1,192.72 | 724.04 |
| Total Borrowing | 5,218.50 | 4,526.33 | 4,083.10 | 3,498.99 | 2,296.16 |
| Amount in ₹ Crore | |||||
| KPI | Sep 30, 2025 | Mar 31, 2025 |
|---|---|---|
| ROE | 7.63% | 12.12% |
| Debt / Equity | 3.02% | 2.73% |
| RoNW | 3.82% | 12.12% |
| Price to Book Value | 1.45 | 1.71 |
| Metric | Pre IPO | Post IPO |
|---|---|---|
| EPS (₹) | 9.14 | 5.24 |
| P/E (x) | 14.11 | 24.64 |
| Market Cap | ₹3183.52 Cr. | |
| # | Issue Expenses | Est Amt (₹ Cr.) |
|---|---|---|
| 1 | BRLMs fees and commissions (including underwriting commission, brokerage and selling commission) | 28.00 |
| 2 | Commission/ processing fee for SCSBs and Bankers to the Offer and fees payable to the Sponsor Bank(s) for Bids made by UPI Bidders. Brokerage, selling commission and bidding charges for Members of the Syndicate, Registered Brokers, RTAs and CDPs | 0.37 |
| 3 | Fees payable to the Registrar to the Offer | 0.03 |
| 4 | Fees payable to advisors, consultants and other parties to the Offer - Statutory Auditor | 1.83 |
| 5 | Independent Chartered Accountant | 0.09 |
| 6 | CRISIL | 0.85 |
| 7 | Fee payable to legal counsels | 10.14 |
| 8 | Others | |
| 9 | Listing fees, SEBI filing fees, upload fees, BSE and NSE processing fees, book building software fees and other regulatory expenses | 3.51 |
| 10 | Printing and stationery | 1.30 |
| 11 | Advertising and marketing expenses | 4.07 |
| 12 | Miscellaneous | 3.55 |
| Total | 53.73 |
Last Updated on 16-Jun-2026 18:10:14
