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AYE FINANCE PRIVATE LIMITED
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The company provides loans to micro-enterprises in rural and semi-urban areas.
Aye Finance Private Limited, is an unlisted private company incorporated on 12 August, 1993. It is classified as a private limited company and is located in West Delhi, 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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Industry
- Loans to institutional and small businesses.
** All rupee values in INR crores. Based on March 2023 numbers.
44.34%
191.23%
8.85%
50.99%
35.56%
21.11
18.66
13.47
9.32
0.84
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Locations
India
(88)
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Tofler Score
Risk
Severe Risk
- No risks identified
Moderate Risk
- LOW INTEREST COVERAGE
Low Risk
- No risks identified
About Tofler Score
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Financial Highlights
| 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 | - | - | - | - | - |
Margins
Balance Sheet
| 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 |
Total assets
Profit & Loss
| 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 |
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 | - | - | - | - | - |
Ratios
Charges on assets
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PIRAMAL TRUSTEESHIP SERVICES PRIVATE LIMITED
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CSB BANK LIMITED
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Tata Capital Financial Services Limited
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Total Amount : 55.0 cr
SBICap Trustee Company Limited
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Total Amount : 50.0 cr
Small Industries Development Bank of India
No. of Loans: 1
Total Amount : 50.0 cr
JANA SMALL FINANCE BANK LIMITED
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Total Amount : 50.0 cr
UTKARSH SMALL FINANCE BANK LIMITED
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Total Amount : 47.5 cr
Tata Capital Limited
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A. K. CAPITAL FINANCE LIMITED
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SBM BANK (INDIA) LIMITED
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Hinduja Leyland Finance Limited
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Total Amount : 40.0 cr
DCB Bank Limited
No. of Loans: 2
Total Amount : 35.0 cr
UJJIVAN SMALL FINANCE BANK LIMITED
No. of Loans: 1
Total Amount : 30.0 cr
Axis Bank Limited
No. of Loans: 1
Total Amount : 26.0 cr
Union Bank of India
No. of Loans: 1
Total Amount : 25.0 cr
Dhanlaxmi Bank Limited
No. of Loans: 1
Total Amount : 25.0 cr
IndusInd Bank Limited
No. of Loans: 1
Total Amount : 25.0 cr
STCI FINANCE LIMITED
No. of Loans: 1
Total Amount : 25.0 cr
IDBI Bank Limited
No. of Loans: 1
Total Amount : 25.0 cr
ESAF SMALL FINANCE BANK LIMITED
No. of Loans: 1
Total Amount : 25.0 cr
SURYODAY SMALL FINNACE BANK LTD
No. of Loans: 1
Total Amount : 25.0 cr
Aditya Birla Finance Limited
No. of Loans: 1
Total Amount : 25.0 cr
RBL Bank
No. of Loans: 1
Total Amount : 25.0 cr
MAANAVEEYA DEVELOPMENT & FINANCE PRIVATE LIMITED
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Total Amount : 25.0 cr
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Total Amount : 20.0 cr
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Total Amount : 20.0 cr
CASPIAN IMPACT INVESTMENTS PRIVATE LIMITED
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Total Amount : 15.0 cr
ICICI Bank Limited
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Total Amount : 13.5 cr
State Bank of India
No. of Loans: 1
Total Amount : 0.9 cr
Charges
People
| Designation | Name | DIN/PAN | Tenure |
|---|---|---|---|
| Director | Sanjaya Gupta | 02939128 | 2 years |
| Managing Director | Sanjay Sharma
Shareholder
|
03337545 | 11 years |
| Director | Kartik Srivatsa | 03559152 | 5 years |
| Director | Vivek Kumar Mathur | 03581311 | 9 years |
| Director | Govinda Rajulu Chintala | 03622371 | 2 years |
| Director | Padmaja Nair | 06841868 | 1 years |
| Director | Kanika Tandon Bhal | 06944916 | 2 years |
| Director | Vinay Baijal | 07516339 | 1 years |
| Director | Gaurav Malhotra | 07640504 | 1 years |
| Director | Kaushik Anand Kalyana Krishnan | 07719742 | 5 years |
| Director | Navroz Darius Udwadia | 08355220 | 6 years |
| Director | Aditya Misra | 09376632 | 1 years |
| Kmp | Krishan Gopal | <HIDDEN> | 2 years |
| Kmp | Vipul Sharma | <HIDDEN> | 1 years |
Company Network
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Companies connected through Directors
Subsidiary Companies
| Name | State / Country | Incorporation Year | Paidup Capital |
|---|---|---|---|
| FOUNDATION FOR ADVANCEMENT OF MICRO ENTERPRISES | Haryana | 2019 | ₹ 25.0 L |
Registered Details
CIN
U65921DL1993PTC283660PAN
AABCD8717BIncorporation
1993, 31.7 yearsCompany Email
corporate@ayefin.comPaid up Capital
₹ 38.3 CrAuthorised Capital
₹ 82.0 CrAGM
Sep 2024Type
FAQ - AYE FINANCE PRIVATE LIMITED
What is the incorporation date of AYE FINANCE PRIVATE LIMITED?
The incorporation date of AYE FINANCE PRIVATE LIMITED is 12 August, 1993
What is the authorized share capital of AYE FINANCE PRIVATE LIMITED?
The authorized share capital of AYE FINANCE PRIVATE LIMITED is INR ₹ 82.0 Cr.
What is the paid-up capital of AYE FINANCE PRIVATE LIMITED?
The paid-up capital of AYE FINANCE PRIVATE LIMITED is INR ₹ 38.3 Cr.
What is the registered address of AYE FINANCE PRIVATE LIMITED?
The registered address of AYE FINANCE PRIVATE LIMITED is M-5,MAGNUM HOUSE-I,COMMUNITY CENTRE, KARAMPURA NA NEW DELHI West Delhi Delhi - 110015
What is the CIN number of AYE FINANCE PRIVATE LIMITED?
The CIN number of AYE FINANCE PRIVATE LIMITED is U65921DL1993PTC283660.
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