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AYE FINANCE LIMITED

Active
Updated: 21 Nov 2025

The company provides loans to micro-enterprises in rural and semi-urban areas.

Aye Finance Limited, is an unlisted public company incorporated on 12 August, 1993. It is classified as a public limited company and is located in , Delhi. It's authorized share capital is INR 82.00 cr and the total paid-up capital is INR 38.35 cr.

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Subscription Plans
Industry and products
Finance
  • Loans to institutional and small businesses.
Company size
Auth Capital
₹ 82.0 Cr
Paidup Capital
₹ 38.3 Cr
Revenue
₹ 500-750 cr
# Key metrics of Aye Finance Limited - All rupee values in INR crores. Based on March 2023 numbers. | Metric | Value | Change | |---|---|---| | Auth Capital | ₹ 82.0 Cr | | | Paidup Capital | ₹ 38.3 Cr | | | Revenue | ₹ 500-750 cr | | | Total Revenue | ₹643.3 | 45.07% | | EBITDA | ₹260.9 | 191.23% | | Net Profit | ₹53.8 | None% | | Networth | ₹768.5 | 8.85% | | Borrowings | ₹2,296.2 | 50.99% | | Assets | ₹3,140.0 | 35.56% | | Gross Margin | -% | None | | Operating Margin | 41.9% | 21.11 | | Net Profit Margin | 8.4% | 18.66 | | Return on Equity | 7.0% | 13.47 | | ROCE | 110.9% | 9.32 | | Debt to Equity | 3.0 | 0.84 |
Key Metrics

** All rupee values in INR crores. Based on March 2023 numbers.

Total Revenue
45.07%
₹ 643.3
EBITDA
191.23%
₹ 260.9
Net Profit
-
₹ 53.8
Networth
8.85%
₹ 768.5
Borrowings
50.99%
₹ 2,296.2
Assets
35.56%
₹ 3,140.0
Gross Margin
-
- %
Operating Margin
21.11
41.9 %
Net Profit Margin
18.66
8.4 %
Return on Equity
13.47
7.0 %
ROCE
9.32
110.9 %
Debt to Equity
0.84
3.0
Sales
Mar 2023
Net worth
Mar 2023

Locations

indian flag India (88)
State Type Address

location icon Locations on Map

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People

Designation Name DIN/PAN Tenure
Managing Director Sanjay Sharma
Shareholder
03337545 12 years
Director Vinay Baijal 07516339 1 years
Director Kanika Tandon Bhal 06944916 2 years
Director Padmaja Nair 06841868 1 years
Director Aditya Misra 09376632 1 years
Director Sanjaya Gupta 02939128 2 years
Director Govinda Rajulu Chintala 03622371 2 years

Financial Highlights

** All numbers in INR crores
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Sales 209.8 411.7 451.3 431.9 623.4
Operating profit 111.3 187.5 218.9 89.6 260.9
Net profit -9.6 32.4 16.9 -45.7 53.8
Gross margin - - - - -
Operating margin 53.0 45.5 48.5 20.7 41.9
Net margin -4.6 7.8 3.7 -10.3 8.4
Networth 481.2 516.7 746.7 706.0 768.5
Borrowings 755.1 1,389.0 1,325.7 1,520.7 2,296.2
Assets 1,289.3 2,012.0 2,138.5 2,316.3 3,140.0
Debt to equity 1.6 2.7 1.8 2.1 3.0
Current ratio - - - - -
ROE -2.0 6.3 2.3 -6.5 7.0
Days payable - - - - -
WC days - - - - -
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Margins

Gross margin
Operating margin
Net margin

Balance Sheet

%
** All numbers in INR crores
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 27.0 27.0 30.5 30.5 30.5
Reserves 454.2 489.7 716.3 675.6 738.0
Borrowings + 755.1 1,389.0 1,325.7 1,520.7 2,296.2
Long term borrowings 755.1 1,389.0 1,325.7 1,520.7 2,296.2
Short term borrowings - - - - -
Trade payables + 10.0 16.4 - - -
Days payable - - - - -
Other liabilities + 52.9 106.3 66.1 89.5 75.3
Other non-current liabilities - - - - -
Other current liabilities 42.9 89.9 66.1 89.5 75.3
Total liabilities 1,289.3 2,012.0 2,138.5 2,316.3 3,140.0
Fixed Assets + 4.1 7.5 6.9 6.2 6.5
Tangible assets 3.1 5.8 5.3 4.8 5.5
CWIP - 1.2 - - 0.5
Intangible assets 1.0 0.5 1.6 1.4 0.6
LT loans and advances 1,002.6 1,685.3 1,500.8 1,687.7 2,555.4
Other non-current assets 142.1 142.8 438.9 460.7 284.3
Current assets + 140.4 176.5 192.0 161.7 293.8
Inventories - - - - -
Trade receivables - - - - -
Cash and cash equivalents 140.4 172.1 191.6 152.8 272.6
ST loans and advances - - - - -
Other current assets - 4.3 0.4 8.8 21.1
Total assets 1,289.3 2,012.0 2,138.5 2,316.3 3,140.0
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Total assets

Profit & Loss

%
** All numbers in INR crores
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Sales + 209.8 411.7 451.3 431.9 623.4
Sales growth % 163.07 96.26 9.62 -4.3 44.34
Expenses + 176.7 373.0 432.8 510.8 571.9
Cost of goods - - - - -
Employee cost 60.0 122.6 141.4 175.8 212.2
Other costs 38.5 101.6 91.0 166.5 150.3
Operating profit + 111.3 187.5 218.9 89.6 260.9
Operating margin % 53.0 45.5 48.5 20.7 41.9
Other income 0.6 1.2 4.7 11.6 19.9
Interest 73.2 140.9 191.1 158.5 198.0
Depreciation 5.0 7.9 9.3 10.0 11.4
Exceptional items - - - - -
Profit before tax 33.7 39.9 23.3 -67.4 71.4
Tax 9.6 7.5 6.4 -21.7 17.6
Profit - disc. ops - - - - -
Net profit -9.6 32.4 16.9 -45.7 53.8
Net margin % -4.6 7.8 3.7 -10.3 8.4
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Revenue from operations

Ratios

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Solvency +
Total Debt/Equity 1.6 2.7 1.8 2.1 3.0
Net Debt/Equity 1.3 2.4 1.5 1.9 2.6
Total Debt/Assets 0.6 0.7 0.6 0.7 0.7
Total Assets/Equity 2.7 3.9 2.9 3.3 4.1
Liquidity +
Current Ratio - - - - -
Quick Ratio - - - - -
Interest Coverage - - - - -
Performance
Gross Margin - - - - -
Operating Margin 53.0 45.5 48.5 20.7 41.9
Net Margin -4.6 7.8 3.7 -10.3 8.4
Return +
Return on Equity -2.0 6.3 2.3 -6.5 7.0
Pre-tax ROCE 116.0 231.3 157.9 101.6 110.9
Return on Assets -0.8 1.6 0.8 -2.0 1.7
Pre-tax ROIC 9.7 10.4 11.2 3.8 8.9
Efficiency +
Days Payable - - - - -
Days Inventory - - - - -
Days Receivable - - - - -
Fixed Asset Turnover 50.6 55.1 65.5 69.7 96.2
Total Asset Turnover 0.2 0.2 0.2 0.2 0.2
Working Capital
Cash Conversion Cycle - - - - -
Working Capital Days - - - - -
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Ratios

Current ratio
Debt/equity ratio

Charges on assets

Bank wise
Charges
1

Catalyst Trusteeship Limited

No. of Loans: 35

Total Amount : 2,188.6 cr

2

RBL Bank Limited

No. of Loans: 4

Total Amount : 265.0 cr

3

IDFC First Bank Limited

No. of Loans: 2

Total Amount : 255.0 cr

4

SBICap Trustee Company Limited

No. of Loans: 2

Total Amount : 250.0 cr

5

The Hongkong and Shanghai Banking Corporation Limited

No. of Loans: 4

Total Amount : 231.0 cr

6

HDFC Bank Limited

No. of Loans: 5

Total Amount : 230.0 cr

7

KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED

No. of Loans: 5

Total Amount : 210.0 cr

8

NORTHERN ARC CAPITAL LIMITED

No. of Loans: 4

Total Amount : 160.0 cr

9

JM FINANCIAL PRODUCTS LIMITED

No. of Loans: 3

Total Amount : 150.0 cr

10

The Federal Bank Limited

No. of Loans: 5

Total Amount : 141.1 cr

11

AU SMALL FINANCE BANK LIMITED

No. of Loans: 4

Total Amount : 135.0 cr

12

POONAWALLA FINCORP LIMITED

No. of Loans: 3

Total Amount : 135.0 cr

13

PIRAMAL TRUSTEESHIP SERVICES PRIVATE LIMITED

No. of Loans: 2

Total Amount : 105.0 cr

14

Kotak Mahindra Investments Limited

No. of Loans: 2

Total Amount : 100.0 cr

15

Bajaj Finance Limited

No. of Loans: 4

Total Amount : 95.0 cr

16

CSB BANK LIMITED

No. of Loans: 3

Total Amount : 85.0 cr

17

Hinduja Leyland Finance Limited

No. of Loans: 2

Total Amount : 85.0 cr

18

Standard Chartered Bank

No. of Loans: 2

Total Amount : 82.0 cr

19

IDBI Bank Limited

No. of Loans: 2

Total Amount : 75.0 cr

20

SBM BANK (INDIA) LIMITED

No. of Loans: 3

Total Amount : 70.0 cr

21

Axis Bank Limited

No. of Loans: 2

Total Amount : 61.0 cr

22

UJJIVAN SMALL FINANCE BANK LIMITED

No. of Loans: 2

Total Amount : 60.0 cr

23

NABSAMRUDDHI FINANCE LIMITED

No. of Loans: 1

Total Amount : 55.0 cr

24

NABKISAN FINANCE LIMITED

No. of Loans: 2

Total Amount : 55.0 cr

25

Tata Capital Financial Services Limited

No. of Loans: 3

Total Amount : 55.0 cr

26

Yes Bank Limited

No. of Loans: 1

Total Amount : 50.0 cr

27

PTC India Financial Services Limited

No. of Loans: 1

Total Amount : 50.0 cr

28

BANDHAN BANK LIMITED

No. of Loans: 1

Total Amount : 50.0 cr

29

MAANAVEEYA DEVELOPMENT & FINANCE PRIVATE LIMITED

No. of Loans: 1

Total Amount : 50.0 cr

30

JANA SMALL FINANCE BANK LIMITED

No. of Loans: 1

Total Amount : 50.0 cr

31

Small Industries Development Bank of India

No. of Loans: 1

Total Amount : 50.0 cr

32

UTKARSH SMALL FINANCE BANK LIMITED

No. of Loans: 2

Total Amount : 47.5 cr

33

IndusInd Bank Limited

No. of Loans: 2

Total Amount : 45.0 cr

34

Union Bank of India

No. of Loans: 2

Total Amount : 45.0 cr

35

Tata Capital Limited

No. of Loans: 2

Total Amount : 45.0 cr

36

MAS Financial Services Limited

No. of Loans: 5

Total Amount : 45.0 cr

37

OTHERS

No. of Loans: 1

Total Amount : 41.4 cr

38

SURYODAY SMALL FINANCE BANK LIMITED

No. of Loans: 1

Total Amount : 35.0 cr

39

DCB Bank Limited

No. of Loans: 2

Total Amount : 35.0 cr

40

The South Indian Bank Limited

No. of Loans: 2

Total Amount : 26.0 cr

41

Hero FinCorp Limited

No. of Loans: 1

Total Amount : 25.0 cr

42

The Karur Vysya Bank Limited

No. of Loans: 1

Total Amount : 25.0 cr

43

A. K. CAPITAL FINANCE LIMITED

No. of Loans: 1

Total Amount : 25.0 cr

44

Dhanlaxmi Bank Limited

No. of Loans: 1

Total Amount : 25.0 cr

45

STCI FINANCE LIMITED

No. of Loans: 1

Total Amount : 25.0 cr

46

ESAF SMALL FINANCE BANK LIMITED

No. of Loans: 1

Total Amount : 25.0 cr

47

SURYODAY SMALL FINNACE BANK LTD

No. of Loans: 1

Total Amount : 25.0 cr

48

RBL Bank

No. of Loans: 1

Total Amount : 25.0 cr

49

MITCON CREDENTIA TRUSTEESHIP SERVICES LIMITED

No. of Loans: 1

Total Amount : 20.0 cr

50

SHIVALIK SMALL FINANCE BANK LIMITED

No. of Loans: 1

Total Amount : 20.0 cr

51

ICICI Bank Limited

No. of Loans: 1

Total Amount : 13.5 cr

52

State Bank of India

No. of Loans: 1

Total Amount : 0.9 cr

53

Punjab National Bank

No. of Loans: 1

Total Amount : 0.0 cr

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Charges

Catalyst Trusteeship Limited
RBL Bank Limited
IDFC First Bank Limited
SBICap Trustee Company Limited
Others

Company Network

Companies connected through Directors

Name Status Paid up Capital Common Directors Address
AYE FINANCE PRIVATE LIMITED
Active
38.3 Cr 7 Delhi
AYE FINSERVE PRIVATE LIMITED
Strike Off
1.0 L 1 Haryana
FOUNDATION FOR ADVANCEMENT OF MICRO ENTERPRISES
Active
25.0 L 1 Haryana
SHANKH CORPORATION LLP
Active
5.0 L 1 Haryana
SHVET CORPORATION LLP
Active
5.0 L 1 Haryana
AYE MICRO VENTURES LLP
Defunct
1.0 L 1 Haryana
NSL SUGARS LIMITED
Active
135.5 Cr 1
KAVERI SEED COMPANY LTD.
Active
10.3 Cr 1 Telangana
NSL KRISHNAVENI SUGARS LIMITED
Active
99.4 Cr 1 Telangana
IIFL SAMASTA FINANCE LIMITED
Active
668.4 Cr 1 Karnataka
ANNAPURNA FINANCE PRIVATE LIMITED
Active
104.6 Cr 1 Odisha
UC INCLUSIVE CREDIT PRIVATE LIMITED
Active
71.9 Cr 1 Karnataka
NEW DELHI MUNICIPAL COUNCIL SMART CITY LIMITED
Active
394.0 Cr 1 Delhi
RAMAGUNDAM FERTILIZERS AND CHEMICALS LIMITED
Active
1,890.2 Cr 1 Delhi
PERIDOT FINANCIAL SERVICES (INDIA) PRIVATE LIMITED
Active
5.2 Cr 1 Karnataka
DREAMPLUG PAYTECH SOLUTIONS PRIVATE LIMITED
Active
45.0 Cr 1
INFINITY FINCORP SOLUTIONS PRIVATE LIMITED
Active
149.9 Cr 1 Maharashtra
INDIFI TECHNOLOGIES PRIVATE LIMITED
Active
101.2 Cr 1 Haryana
INDIFI CAPITAL PRIVATE LIMITED
Active
18.6 Cr 1 Haryana
CAREFIN MONEY PRIVATE LIMITED
Active
11.0 Cr 1 Karnataka
FINCARE SMALL FINANCE BANK LIMITED
Amalgamated
254.0 Cr 2 Gujarat

Subsidiary Companies

Name State / Country Incorporation Year Paidup Capital
FOUNDATION FOR ADVANCEMENT OF MICRO ENTERPRISES Haryana 2019 ₹ 25.0 L

Tofler Score

Very Good
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Risk

Severe Risk
  • No risks identified
Moderate Risk
  • LOW INTEREST COVERAGE
Low Risk
  • No risks identified
About Tofler Score
Tofler Score measures the quality of performance and integrity of a company. It is dependent on three key factors - Sustainability, Governance, and Growth.

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Registered Details

CIN

U65921DL1993PLC283660

PAN

AABCD8717B

Incorporation

1993, 32.3 years

Company Email

corporate[at]ayefin[dot]com

Paid up Capital

₹ 38.3 Cr

Authorised Capital

₹ 82.0 Cr

AGM

Sep 2025

Type

Public
Others

FAQ - AYE FINANCE LIMITED

What is the incorporation date of AYE FINANCE LIMITED?

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The incorporation date of AYE FINANCE LIMITED is 12 August, 1993

What is the authorized share capital of AYE FINANCE LIMITED?

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The authorized share capital of AYE FINANCE LIMITED is INR ₹ 82.0 Cr.

What is the paid-up capital of AYE FINANCE LIMITED?

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The paid-up capital of AYE FINANCE LIMITED is INR ₹ 38.3 Cr.

What is the registered address of AYE FINANCE LIMITED?

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The registered address of AYE FINANCE LIMITED is M-5,MAGNUM HOUSE-I,COMMUNITY CENTRE, KARAMPURA, West Delhi, NEW DELHI, Delhi, India, 110015 - 110015

What is the CIN number of AYE FINANCE LIMITED?

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The CIN number of AYE FINANCE LIMITED is U65921DL1993PLC283660.

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