Aye Finance Limited

Aye Finance Limited, established in FY2014, is an NBFC concentrated on delivering financial services in semi-urban areas across India, having built a strong position in the niche lending space through expertise in extending credit to self-employed individuals and micro-businesses. The company was founded under the leadership of Mr. Sanjay Sharma, whose background includes extensive retail lending experience, and is backed by well-known private equity investors including Capital G (Google), Falcon Edge, SAIF Partners (now Elevation Capital), A91 Partners, LGT Impact, Maj Invest, British International Investments, and ABC Impact, among others. Its core business involves extending secured and unsecured loans to micro and small businesses such as kirana stores, dairies, manufacturers, and traders, structured either as hypothecation loans or mortgage-backed products, with a lending model emphasising assessed income-based lending tailored to underserved micro-enterprises. Supported by a strong capital base and an innovative, scalable business model targeting semi-urban markets, the company maintains a diversified geographical footprint across 21 states, benefiting from consistent equity inflows and strategic support from reputed investors, along with proven expertise in managing risk within volatile market segments.