Sanjay Sharma

Aye Finance Ltd is a non-banking financial company (NBFC) based in Gurugram, Haryana, India. Founded in 2013, the company specializes in providing business loans to micro and small enterprises (MSEs), particularly in underserved markets. Aye Finance employs a unique cluster-based lending model that allows it to assess businesses without formal financial documentation, enabling access to credit for those typically excluded from the financial system. The company integrates data science and artificial intelligence into its operations to streamline loan origination and decision-making processes. With a customer base exceeding 200,000 clients and a loan portfolio surpassing Rs 1700 crore, Aye Finance has established a significant presence across multiple Indian states, operating over 100 branches. The company is committed to social impact, focusing on empowering micro enterprises, including initiatives aimed at supporting female entrepreneurs. Aye Finance has received several awards for its innovation and leadership in the financial services sector.