Aye Finance IPO: Aye Finance has come up with its IPO of ₹1,010.00 cr., which is a book build issue. In this IPO, 5.50 cr. Fresh shares worth ₹710.00 cr. are being issued, while 2.33 cr. shares worth ₹300.00 cr. will be sold over Offer for Sale. Bidding for Aye Finance IPO for investment will start from 9-Feb, 2026 and will continue till 11-Feb, 2026. The process of allotment of shares is estimated to be finished by February 12, after which it is likely to be listed on BSE and NSE on 16-Feb, 2026.
The share price band for this IPO has been fixed at ₹122 to ₹129 per share. The minimum lot size for retail investors is 116 shares, which would require an investment of ₹14,964 based on the upper price. Additionally, investors in the sNII category will require a minimum of 14 lots (₹2,09,496) and for the bNII category 67 lots (₹10,02,588). Axis Capital Ltd is the lead manager of the issue, while Kfin Technologies Ltd is acting as its registrar.
Aye Finance IPO Overview
Aye Finance Ltd. IPO is a book-built issue of ₹1,010 cr., containing of fresh issue of shares worth ₹710 cr. and an offer for sale of ₹300 cr. The company focusses in providing secured and unsecured loans to micro enterprises (MSMEs) and will use the funds to strengthen its future capital base and business expansion.
| Details | Descriptions |
|---|---|
| IPO Date | 9 to 11 Feb, 2026 |
| Listing Date | Mon, Feb 16, 2026 |
| Face Value | ₹2 per share |
| Issue Price Band | ₹122 to ₹129 |
| Issue Price | – |
| Lot Size | 116 Shares |
| Sale Type | Fresh Capital & OFS |
| Total Issue Size | 7,82,94,572 shares (agg. up to ₹1,010 Cr) |
| Fresh Issue | 5,50,38,759 shares (agg. up to ₹710 Cr) |
| Offer for Sale | 2,32,55,813 shares of ₹2 (agg. up to ₹300 Cr) |
| Issue Type | Bookbuilding IPO |
| Listing At | BSE, NSE |
| Share Holding Pre Issue | 19,17,45,507 shares |
| Share Holding Post Issue | 24,67,84,266 shares |
Aye Finance IPO Schedule
| Details | Description |
|---|---|
| IPO Open Date | Mon, Feb 9, 2026 |
| IPO Close Date | Wed, Feb 11, 2026 |
| Tentative Allotment | Thu, Feb 12, 2026 |
| Initiation of Refunds | Fri, Feb 13, 2026 |
| Credit of Shares to Demat | Fri, Feb 13, 2026 |
| Tentative Listing Date | Mon, Feb 16, 2026 |
| Cut-off time for UPI mandate confirmation | 5 PM on January 23, 2026 |
Aye Finance IPO Lot Size Details
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Individual investors (Retail) (Min) | 1 | 116 | ₹14,964 |
| Individual investors (Retail) (Max) | 13 | 1,508 | ₹1,94,532 |
| S-HNI (Min) | 14 | 1,624 | ₹2,09,496 |
| S-HNI (Max) | 66 | 7,656 | ₹9,87,624 |
| B-HNI (Min) | 67 | 7,772 | ₹10,02,588 |
Aye Finance IPO Allocation
Quotas have been set for various investors in this public issue, with 75% reserved for qualified institutional buyers (QIBs). 15% share has been reserved for Non-Institutional Investors and 10% for Retail Individual Investors, so that transparency and balance is maintained in the investment process.
| Investor Category | Shares Offered |
|---|---|
| QIB Shares Offered | 5,87,20,929 (75.00%) |
| − Anchor Investor Shares Offered | 3,56,98,420 (45.60%) |
| − QIB (Ex. Anchor) Shares Offered | 2,30,22,509 (29.40%) |
| NII (HNI) Shares Offered | 1,17,44,186 (15.00%) |
| − bNII > ₹10L | 78,29,457 (10.00%) |
| − sNII < ₹10L | 39,14,729 (5.00%) |
| Retail Shares Offered | 78,29,457 (10.00%) |
| Total Shares Offered | 7,82,94,572 (100.00%) |
Aye Finance IPO Promoter Holding
| Details | Promoter Holding (%) |
|---|---|
| Promoter Holding Pre Issue | 94.87% |
| Promoter Holding Post Issue | 68.88% |
Aye Finance IPO Anchor Investors Details
Aye Finance IPO collects ₹3,183.52 crores from anchor investors. Aye Finance IPO anchor bidding date is Fri, Feb 6, 2026.
| Details | Description |
|---|---|
| Bid Date | Fri, Feb 6, 2026 |
| Shares Offered | 3,56,98,420 |
| Anchor Portion Size (In Cr.) | 460.51 |
| Anchor lock-in period end date for 50% shares (30 Days) | Sat, Mar 14, 2026 |
| Anchor lock-in period end date for remaining shares (90 Days) | Wed, May 13, 2026 |
Overview of Aye Finance Ltd
Established in 1993, Aye Finance Ltd. is a leading Non-Banking Finance Company (NBFC), catering exclusively to the working capital needs of micro industries and small businesses. The company offers diverse options like Saral Property Loan, Mortgage Loan and Secured-Unsecured Hypothecation Loan for business expansion in manufacturing, trading, service and agriculture related sectors. Currently, Aye Finance has expanded its services to 18 states and 3 union territories in India, where it has won the trust of more than 5,86,825 active customers. The company huge Assets under Management (AUM) shows its strong hold in the market.
The main basis of Aye Finance success is its efficient functioning and experienced team. As of September 2025, the company had more than 10,400 full-time employees, streamlining its operations across the country. Its key features include special loan products for micro-MSMEs, effective underwriting technology and technology-based loan recovery process. Furthermore, the support of marquee investors and access to diverse financial sources make the company a safe and competitive financial institution. With modern technology and better customer retention, Aye Finance is providing financial assistance to areas where banking services are not easily available.
Major Products (Product Offerings):
- Mortgage Loan: Loan based on the security of property.
- ‘Saral’ Property Loan: Easy property loans for small businesses.
- Secured and Unsecured Hypothecation Loan: Financial assistance based on working assets.
Company Financials
Aye Finance Ltd. Financial Information (Restated Standalone)
The company reported a net profit of ₹175.25 cr. in Financial year 2025, showing steady growth compared to previous years. The company net worth has increased from ₹3,126 cr. as of March 2023 to more than ₹6,338 cr. by March 2025, witness to its strong portfolio and growing presence in the market.
| Period Ended | 30 Sep 2025 | 31-Mar-25 | 30 Sep 2024 | 31-Mar-24 | 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 |
Key Performance Indicator (KPI)
The market cap. of Aye Finance Ltd. IPO is ₹3,183.52 Crores.
KPI as of Mon, Mar 31, 2025.
| 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 |
| Pre IPO | Post IPO | |
|---|---|---|
| EPS Rs | 9.14 | 5.24 |
| P/E (x) | 14.11 | 24.64 |
Aye Finance IPO Contact Details
- Aye Finance Ltd.
- M-5, Magnum House-I,
- Community Centre, Karampura
- New Delhi, New Delhi, 110015
- +91 124 484 4000
- secretarial@ayefin.com
- Website – https://www.ayefin.com/
Aye Finance IPO Registrar
Kfin Technologies Ltd.
| Details | Descriptions |
|---|---|
| Phone: | 04067162222, 04079611000 |
| Email: | ayefinance.ipo@kfintech.com |
| Website: | https://ipostatus.kfintech.com/ |
Aye Finance IPO FAQs
When When Aye Finance IPO become available?
The IPO will open on Mon, Feb 9, 2026.
What is the minimum lot size for the Aye Finance IPO?
The minimum lot size is 116 shares.
When will the shares for the Aye Finance IPO be allotted?
The allotment is expected to be finalized on Thu, Feb 12, 2026.
What is the expected listing date for the Aye Finance IPO?
The tentative listing date is Mon, Feb 16, 2026.
How can I apply for the Aye Finance IPO?
You can apply online through your bank or a broker using either the UPI or ASBA payment methods.
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