# Aye Finance

Aye Finance is an Asset Manager based in Gurugram, India.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Gurugram, India
- **Region:** Asia
- **Address:** 7th Floor, Unitech Commercial Tower-2, Sector-45, Arya Samaj Road, Gurugram – 122003, Haryana, India
- **Founded:** 2014
- **Assets under management:** Undisclosed
- **Website:** www.ayefin.com
- **LinkedIn:** https://www.linkedin.com/company/aye-finance-pvt-ltd

## Regulatory record

- **Reports private funds:** No

## About

Aye Finance - Empowering micro and small enterprises with innovative financial solutions. Discover our products and services tailored for your business growth.

## Sectors

- Financial Services
- Private Credit

## People

- Sanjay Sharma — Managing Director

## Questions

### Who runs investment and credit decisions at Aye Finance?

Managing Director Sanjay Sharma leads the firm, supported by Deputy CEO Niraj Kumar Kaushik and a specialist leadership team that includes Piyush Maheshwari as Head of Credit & Field Operations and Akash Damodar Purswani as Head of Collection. The Board of Directors provides governance oversight under Chairman Govinda Rajulu Chintala.

### What investment stages and products does Aye Finance target?

The firm solely targets India's micro, small, and medium enterprise (MSME) segment. Its core product is a secured hypothecation loan backed by movable assets, designed to fund working capital needs, inventory procurement, and minor business renovations without requiring real estate collateral.

### What is Aye Finance's known posture on co-investments alongside external GPs?

Aye Finance does not operate a co-investment or fund-commitment program for external limited partners. The firm has historically raised growth capital through private equity rounds — hitting a Series-G at ₹250 crore — and transitioned to a public-market posture with its June 2026 IPO, which saw Goldman Sachs increase its stake.

### How is Aye Finance governed, and what is its succession structure?

The Board of Directors blends independence with operating continuity. Chairman Govinda Rajulu Chintala and a majority-independent board oversee Managing Director Sanjay Sharma's executive team, which is departmentalized into credit, collections, operations, technology, finance, and strategy under named functional heads — a structure designed to withstand single-person departure risk.

### Which sectors does Aye Finance explicitly avoid?

Aye Finance's public disclosures do not list excluded sectors by name, but the firm's entire underwriting infrastructure is built around hyper-local, cluster-based micro-enterprise lending. Large-ticket corporate credit, real estate development financing, and unsecured consumer lending sit outside its observable behavioral perimeter.

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Last updated: 2026-06-03T20:00:00.000Z

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