The Aye Finance IPO is drawing strong attention from investors looking for opportunities in the NBFC and MSME lending space. Aye Finance Limited, a Gurugram-based non-banking financial company, focuses on providing credit to micro, small and medium enterprises across India. With MSME financing becoming a key growth driver, the Aye Finance IPO is positioned as one of the closely watched public issues this season.
In this detailed guide, we cover the Aye Finance IPO date, Aye Finance IPO price band, Aye Finance IPO GMP, Aye Finance IPO subscription status, Aye Finance IPO allotment status, and a practical review for retail investors.
Aye Finance IPO Overview
The Aye Finance IPO consists of a mix of fresh issue and offer for sale. The company plans to raise approximately ₹1,010 crore through this public issue.
IPO Structure:
- Company: Aye Finance Limited (NBFC focused on MSME lending)
- IPO Size: ₹1,010 crore (approx.)
- Fresh Issue: ₹710 crore
- Offer for Sale (OFS): ₹300 crore
- Face Value: ₹2 per share
The fresh proceeds from the Aye Finance IPO will primarily be used to strengthen the capital base and support future lending growth and asset expansion. This is important for an NBFC because higher capital adequacy supports loan book growth.
Aye Finance IPO Date and Timeline
Investors tracking the Aye Finance IPO date should note the full schedule to avoid missing the bidding window.
Aye Finance IPO Date Details:
- IPO Opens: Feb 9, 2026
- IPO Closes: Feb 11, 2026
- Basis of Allotment: Feb 12, 2026 (tentative)
- Refunds / Credit of Shares: Around Feb 13, 2026
- Expected Listing: Feb 16, 2026
- Listing Exchange: BSE & NSE
Knowing the Aye Finance IPO date and allotment timeline helps investors plan their application and fund blocking efficiently.
Aye Finance IPO Price Band and Lot Size
The Aye Finance IPO price band has been fixed in the lower-mid range, making it accessible for retail investors.
Aye Finance IPO Price Band & Investment Size:
- Price Band: ₹122 – ₹129 per share
- Lot Size: 116 shares
- Minimum Investment (Retail at upper band): ~₹14,964
At the upper end of the Aye Finance IPO price band, retail participation remains affordable compared to many recent IPOs. Investors can apply in multiples of the lot size.
Aye Finance IPO Issue Allocation
The Aye Finance IPO follows the standard allocation structure:
- QIB (Qualified Institutional Buyers): 75%
- NII (Non-Institutional Investors): 15%
- Retail Investors: 10%
Lower retail allocation means the Aye Finance IPO subscription status in the retail category will be important to watch, as oversubscription can reduce allotment probability.
Aye Finance IPO GMP (Grey Market Premium)
The Aye Finance IPO GMP gives an unofficial indication of market sentiment before listing. Grey market premiums change daily and should not be treated as guaranteed returns.
Aye Finance IPO GMP (Early Estimates):
- Estimated GMP: ₹3 – ₹5 per share
- IPO Price Band: ₹122 – ₹129
Estimated Listing Price Based on Aye Finance IPO GMP:
- If GMP is ₹5 → Estimated listing near ₹134
- If GMP is ₹3 → Estimated listing near ₹132
Based on current Aye Finance IPO GMP, the expected listing gain ranges roughly between 2% and 4%. This suggests moderate but not aggressive listing expectations.
Aye Finance IPO Subscription Status
The Aye Finance IPO subscription status will be available live during the bidding period. Investors should track category-wise demand across QIB, NII, and Retail segments.
Strong Aye Finance IPO subscription status in the QIB category is often considered a positive signal, as institutional demand reflects deeper due diligence. Retail investors typically review day-2 and day-3 data before making last-day bids.
Aye Finance IPO Allotment Status
After the issue closes, investors can check the Aye Finance IPO allotment status online through the registrar’s website and stock exchange portals.
How to check Aye Finance IPO allotment status:
- Visit registrar website
- Enter PAN / Application Number / DP ID
- Submit details to view allotment result
The Aye Finance IPO allotment status is expected around Feb 12, 2026, on a tentative basis.
Aye Finance IPO Review – Should You Consider It?
From a business perspective, Aye Finance operates in the MSME lending segment, which has long-term growth potential due to under-penetration of formal credit. The company’s focus on small businesses and granular lending can support diversification, but it also carries credit risk typical of MSME portfolios.
Positives:
- Strong MSME financing theme
- Capital infusion from fresh issue
- Backed by known institutional investors
- Reasonable Aye Finance IPO price band
Risks:
- NBFC sector sensitivity to credit cycles
- MSME borrower risk
- Moderate Aye Finance IPO GMP indicates limited listing premium expectation
Overall, the Aye Finance IPO may suit investors with a medium- to long-term view on MSME lending and NBFC growth, rather than those looking only for short-term listing gains.
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Disclaimer: IPO investments carry market risk. Always review the RHP and consult your financial advisor before applying to the Aye Finance IPO.