Aye Finance IPO Review – Should You Apply? | GMP, Price, Financials, Apply or Avoid? #shortsvideo

Aye Finance IPO Review – Should You Apply? | GMP, Price, Financials, Apply or Avoid? #shorts

Aye Finance IPO 2026 is a ₹1,010 crore mainboard MSME lending NBFC issue backed by marquee investors like CapitalG and LGT Capital—but should you apply for listing gains or only as a long‑term financials bet?

IPO details: ₹1,010 crore mainboard issue (fresh issue ~₹710 crore + OFS ~₹300 crore); price band ₹122–₹129 per share (FV ₹2); lot size 116 shares (min investment ~₹14,152–₹14,964); IPO opens 9 Feb and closes 11 Feb; listing 16 Feb 2026 on NSE+BSE.

Business: Aye Finance is a Gurugram‑based NBFC providing secured and unsecured business loans to micro and small enterprises using a cash‑flow based underwriting model. Its key strength is a diversified MSME portfolio with pan‑India presence and relatively tight asset quality versus peers.

Financials: Revenue (total income) rose ~41% YoY to ~₹1,501 crore in FY25 from ~₹1,066 crore in FY24. PAT improved steadily from ~₹161–172 crore in FY24 to ~₹171–175 crore in FY25, though H1 FY26 PAT of ~₹64.6 crore shows some moderation as the franchise scales. Key metrics: ROE is around 12–14% on FY25 numbers with cost‑to‑income ratio improving to nearly 50%, but net NPA has inched up to ~1.7–1.8%, so asset‑quality trend is a watchpoint.

Use of funds: Fresh issue proceeds of ~₹710 crore will primarily go towards augmenting the capital base to fund future loan book growth and for general corporate purposes. The ₹300 crore OFS provides a partial exit and liquidity to existing financial investors, signalling confidence but also some profit‑taking at current valuations.

GMP today: Grey‑market premium is hovering around ₹1–₹7 per share, implying roughly ~1–5% listing upside over the upper band, which is a lukewarm to mildly healthy sentiment given the size and NBFC nature of the issue.

One‑line view: This IPO looks better suited for conservative investors comfortable with financials/NBFC risk who want steady MSME‑lending exposure, with only modest listing‑gain expectations and clear asset‑quality/regulatory risks to track.

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