Aye Finance Limited is a leading NBFC focused on providing business loans to micro and small enterprises across India. The company primarily serves underserved and informal businesses through secured and unsecured MSME loans. Revenue is earned through interest income on loans. It operates a branch-led “phygital” model, combining on-ground sourcing with technology-driven underwriting to serve semi-urban and rural borrowers efficiently .

The Comp led by Chairperson and Independent Director,Govinda Rajulu Chintala.

The Revenues from operations for the Period ended on Sep 30 2025, and Fiscals ended on Mar 31, 2025, 2024 and 2023 were ₹ 8,630.22 Million, ₹ 15,049.87 Million, ₹ 10,717.50 Million, and ₹ 6,433.35 Million, The EBITDA for the Period ended on Sep 30 2025, and Fiscals ended on Mar 31, 2025, 2024 and 2023 were ₹ 3,527.85 Million, ₹ 7,151.76 Million, ₹ 5,689.31 Million, and ₹ 2,808.03 Million, The Profit after Tax for the Period ended on Sep 30 2025, and Fiscals ended on Mar 31, 2025, 2024 and 2023 were were ₹ 645.97 Million, ₹ 1,752.52 Million, ₹ 1,716.79 Million, and ₹ 398.73 Million, respectively. This indicates a steady growth in financial performance.

The Company Key Performance Indicates the pre-issue  EPS of ₹ 9.34 and post-issue EPS of ₹ 7.10 for FY25. The pre-issue P/E ratio is 13.81x,while the post-issue P/E ratio is 18.17x against the Industry P/E ratio is 19.7x The company's ROE for FY25 is 12.12% and RoNW is 12.12% The Annualised EPS is ₹ 5.24x and P/E is ₹ 24.64x, These metrics suggest that the IPO is Fully priced.

 
The Grey Market Premium (GMP) of Aye Finance showing listing gains of 0%.Given the company's financial performance and the valuation of the IPO, we recommend  Investors to Avoid to the Aye Finance Limited. IPO for Listing gain or Long Term Purposes.