IIM Founders + Google Backing: Should You Apply for Aye Finance IPO?

Описание: 0:00 - Introduction & Milestone 1:08 - Business Model: Who are the borrowers? 3:58 - Secured vs Unsecured Portfolio 8:45 - Using Tech to reduce Operating Costs 10:35 - Addressing the High NPA & Credit Costs 16:40 - Over-lending in the industry: The truth 22:37 - Future Growth & Valuations 30:38 - Investor Exit Strategy

The Aye Finance IPO is finally here, and it's one of the more interesting stories in the Indian lending space.

We spoke with Mr. Sanjay Sharma, Managing Director and Sovan Satyaprakash, CFO to understand how they’ve managed to scale a business that lends to the people banks usually ignore—kirana stores, small-scale footwear makers in Agra, to bangle artisans in Jaipur.

We also asked them the tough stuff: Why are NPAs hitting 4.85%? Are some early investors exiting in future? And how do you actually lend to someone who has zero formal income documents?

What we covered:

The "Phygital" Secret: How they use tech to keep costs down without losing the human touch of 600+ branches.

The NPA Reality Check: They believe the worst of the credit cycle is behind them. We discuss why.

The "Lakh" Bangle Test: How they underwrite businesses that have no paper trail.

Aye Finance IPO Pricing: We break down the P/E and P/B ratios and whether this is a fair deal for retail investors.

If you’re looking for a stock that plays on the massive MSME gap in India, this interview should give you a clear picture of what's happening under the hood at Aye Finance.

Aye Finance IPO, Aye Finance IPO Review, Sanjay Sharma Aye Finance, Aye Finance Founder Interview, Upcoming IPO 2026, MSME Lending India, NBFC Sector Stocks, Aye Finance Business Model, Aye Finance NPA Analysis, Sohan Bhartiya Aye Finance, IPO Analysis Hindi, Best IPO to buy now, Stock Market India, Micro-finance Loans, IIT IIM Founders Finance, should you invest in Aye Finance, Aye Finance ka IPO kesa he, Aye Finance IPO Review, Aye Finance IPO GMP, Aye Finance Anil Singhvi, Aye Finance IPO profit outlook, is Aye finance IPO good or bad.
Aye Finance IPO, Aye Finance IPO Review, Aye Finance IPO Analysis, Aye Finance IPO Details, Aye Finance IPO GMP, Aye Finance IPO Date, Aye Finance IPO Price Band, Aye Finance IPO Lot Size, Aye Finance IPO Subscription Status, Aye Finance IPO Listing Date, Upcoming IPO February 2026.Sanjay Sharma Aye Finance, Sovan Aye Finance, Aye Finance Founder Interview, Aye Finance Management Interview, Aye Finance NPA Analysis, Aye Finance 4.85% NPA, Aye Finance Bad Loans, NBFC Overlending Crisis 2026, Aye Finance Credit Cost, Aye Finance Underwriting Process, Is Aye Finance IPO Risky?, Aye Finance Portfolio Quality, Aye Finance MSME Lending, Aye Finance Business Model, Aye Finance vs SBFC Finance, Aye Finance vs Five Star Business Finance, NBFC Sector India 2026, Aye Finance Revenue Growth, Aye Finance Profitability, Micro Enterprise Loans India,Google Capital Aye Finance, Elevation Capital Aye Finance, Aye Finance OFS Truth, Why Investors are exiting Aye Finance, Aye Finance Valuation Review, Aye Finance P/E Ratio, Aye Finance Price to Book Value, Business Loans Aye Finance