Aye Finance Limited

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About the Company

Aye Finance Limited was incorporated in 1993 and is registered as a non-banking financial company (NBFC) with the Reserve Bank of India. The Company operates as an NBFC–Middle Layer and focuses on providing credit to micro and small enterprises across India. It does not have an identifiable promoter under applicable regulations. The Company primarily serves micro-scale MSMEs engaged in manufacturing, trading, services, and allied sectors, with a strong presence in semi-urban and underserved markets. Its loan portfolio includes secured and unsecured hypothecation loans, mortgage loans, and ‘Saral’ Property Loans, designed to meet working capital and business expansion needs. Aye Finance follows a branch-led, technology-enabled operating model that combines local market understanding with data-driven credit assessment. It emphasises small-ticket loans, granular diversification, and relationship-based sourcing. Key strengths include deep penetration in the micro-MSME segment, a pan-India branch network, specialised underwriting for informal businesses, and consistent focus on risk management and collections. The Company aims to bridge the credit gap for micro enterprises while maintaining scalable and sustainable growth. Discuss on Trading Q&A