Aye Finance Pilots Generative AI Model for Image

Aye Finance Limited has successfully completed a pilot program that leverages Generative AI technology for image-based underwriting of trading businesses, marking a significant advancement in micro-enterprise lending. The innovation targets the underserved micro-scale MSME segment in tier 2 and beyond cities, addressing traditional barriers to formal credit access. Technology Innovation and Implementation The cutting-edge solution, developed in-house, represents a breakthrough in financial technology application. The system utilizes advanced technological components to transform unstructured data into actionable financial insights: Technology Component: Application Generative AI Models: Sales estimation from store images Machine Learning Models: Predictive analysis and data processing Multimodal Large Language Model: Integration of visual and financial data Proprietary ML Models: Monthly sales estimation for specific store types The system specifically targets garment stores and grocery stores, using store images as primary input to generate reliable monthly sales estimates. This approach significantly reduces the "cost-to-serve" for the micro-enterprise segment while maintaining high levels of accuracy and consistency. Company Background and AI Journey Aye Finance's technological advancement builds on a strong foundation of innovation and investment. The company achieved a notable milestone as the first NBFC to receive equity investment from Google Capital in 2018. Subsequently, it established its Data Science and Artificial Intelligence Unit in 2019, successfully deploying multiple customized ML models across key processes throughout the customer lifecycle. This systematic approach to technology integration has enabled the optimization of unit economics while facilitating the inclusion of a larger population of grassroots businesses in the formal credit ecosystem. Operational Impact and Benefits The newly developed system addresses critical challenges in the micro-enterprise lending sector. By transforming store images into financial insights, the solution provides several operational advantages: Standardization: Reduces reliance on subjective individual judgment Speed: Enables unprecedented application processing speed Consistency: Ensures uniform underwriting standards across applications Scalability: Opens possibilities for extension to other sectors beyond trading The system is built on Aye Finance's extensive internal datasets and has undergone rigorous testing for consistency, ensuring reliability in real-world applications. Leadership Perspective and Market Context "Our leadership in lending to the underserved segment of micro MSMEs has been rooted in superior operational efficiency," said Mr Sanjay Sharma, Managing Director, Aye Finance Ltd. "This GenAI integration builds on our established efficiency. By automating income estimation through Generative AI, we will substantially reduce manual fieldwork with an accelerated, data-driven system that increases both the speed and the reliability of our credit decisions." The innovation addresses a fundamental challenge facing 60 million micro-entrepreneurs in India's Tier 2 cities and beyond, where the lack of formal accounting records and "paper trails" has traditionally created barriers to credit access. As a Middle-Layer Non-Banking Financial Company (NBFC-ML), Aye Finance has been successfully addressing these credit challenges since 2014, offering tailored working capital and expansion loans typically secured against working assets or property. Recent Financial Developments The company recently strengthened its financial position through a successful Initial Public Offering, raising INR 1,010 crores. This capital infusion further enhances the company's ability to expand its technology-driven lending solutions and reach a broader segment of underserved micro-enterprises across India's growing tier 2 and beyond markets. Aye Finance Limited has scheduled an earnings conference call to discuss its Q3FY26 unaudited financial results, providing investors and stakeholders with an opportunity to gain insights into the company's quarterly performance. The call represents a key milestone in the company's investor communication strategy for the fiscal year. Conference Call Details The earnings conference call is scheduled for Friday, March 6, 2026 at 4:00 PM IST. Nuvama Wealth Management will host the session, facilitating discussions between the company's management and participants. The timing has been strategically chosen to accommodate maximum participation from investors and analysts. Parameter: Details Date: Friday, March 6, 2026 Time: 4:00 PM IST Host: Nuvama Wealth Management Call Leader: Vaibhav Sharma Purpose: Q3FY26 Unaudited Financial Results Discussion Management Participation The conference call will feature senior management representatives who will provide comprehensive insights into the company's quarterly performance. The management team includes key executives responsible for strategic direction and financial oversight. The participating management members are: Sanjay Sharma - Managing Director Sovan Satyaparakash - Interim CFO Gaurav Seth - Head, Investor Relations Global Access Information Aye Finance Limited has ensured comprehensive accessibility for international participants by providing dial-in numbers across multiple countries and regions. The company has arranged toll-free access for several key markets to facilitate broader participation. Region/Country: Access Numbers India (Mumbai): +91 22 6280 1123 (Primary) India (Alternate): +91 22 7115 8024 USA: +1 866 7462 133 UK: +0 808 1011 573 Singapore: +800 1012 045 (Toll Free) Hong Kong: +800 9644 48 (Toll Free) Regulatory Compliance The announcement was made pursuant to Regulation 30 read with Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Company Secretary, Compliance Officer & CCO Vipul Sharma signed the regulatory filing on February 27, 2026, ensuring proper compliance with stock exchange requirements. The company has notified both BSE Limited and National Stock Exchange of India Limited about the scheduled conference call, maintaining transparency with all stakeholders and regulatory bodies. We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better. Stock Markets are the true indicator of the growth of any country's economy. 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