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

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.

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