Documents and Information for Investors

With 4,89,259 customers across 7 states and 266 branches, Vaya has one of the fastest-growing Microfinance networks in the country. Through the implementation of effective, tech-savvy models Vaya has enabled the integration of unbanked, underserved low-income women entrepreneurs into the formal economy.

As we grow confidently into business as a NBFC- MFI, we look forward to create new benchmarks in the financial inclusion space, achieving 400 branches in more than 150 districts across 10 states with a 3000-strong team in the next 2 years. This will enable us to achieve greater penetration into under-banked regions and further financial inclusion by optimizing efficiency, delivery and customizing our products and services.

Report on completion of the Redemption of Non-Convertible Debentures (NCDs) by early/premature redemption pursuant to the requirements of Regulation 15(9) of SEBI (Issue and Listing of Non-Convertible Securities) Regulations, 2021.

Certificate of Principal & Interest Payment in respect of Non-Convertible Debentures (“NCDs”)

Certificate confirming the payment of interest/ dividend/ principal amount paid on NCDs and the details of unpaid interest/ dividend/ principal in relation to NCDs during the quarter from 01 st October 2022 to 31 st December 2022.

Intimation under regulation 57(4) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) (Fifth Amendment) Regulations, 2021

Regulation 15(7) of the Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021

Regulation 51 (2) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015

Intimation under Regulation 60(2) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015

Disclosure of information having bearing on the performance or operation of Vaya Finserv Private Limited or price-sensitive information

Regulation 50(1) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015

Exercise of Call option for redemption of 12.95%, 350, Secured, Rated, Listed, Redeemable, Transferable, Non-Convertible Debentures (‘NCD’) issued under Private Placement and fixation of Record date for redemption in full of the principal outstanding amount along with annual interest due thereon. (ISIN: INE02DI07050)

Prior intimation of Record Date(s) and Due Date(s) of Principal & Interest Amount(s) Payable on Non Convertible Debentures (‘NCDs’) during the quarter October, 2022 to December, 2022.

Prior intimation of Interest/Dividend/Principal Amount(s) Payable on Non Convertible Debentures (‘NCDs’) during October 2022 - December 2022 quarter

Intimation related to exercising of call options of Non Convertible Debentures (‘NCD’) (ISIN: INE02DI07050)

Intimation under Regulation 50(2) and Regulation 53(2) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 as amended.

Regulation 57(1) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“LODR”) as amended

Intimation of Security Cover details for the Secured Listed Non-Convertible Debentures (NCDs) for the quarter ended 30 June 2022

Declaration in respect of Unaudited Financial Results for the quarter ended 30 June, 2022 with unmodified opinion on Limited Review Report.

Regulation 51(2) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015.

Regulation 57(1) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“LODR”) as amended.

Regulation 50 (1) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015

Certificate confirming payment of Interest/Dividend/Principal amount paid on NCDs and the details of unpaid interest/ dividend/ principal in relation to NCDs during the quarter from 1st April, 2022 to 30th June, 2022.

Prior intimation of Record Date(s) and Due Date(s) of Principal & Interest Amount(s) Payable on NCDs during the quarter July 2022 to September 2022.

Prior intimation of Interest/Dividend/Principal Amount(s) Payable on NCDs during July 2022 - September 2022 quarter.

Certificate of Principal & Interest Payment in respect of Non-Convertible Debentures (“NCDs”)

Certificate of Interest Payment in respect of Non-Convertible Debentures (“NCDs”).

Declaration in respect of Audited Financial Statements for the year ended 31 st March, 2022 with unmodified opinion on Auditor’s Report.

Intimation of Security Cover details for the Secured Listed Non-Convertible Debentures (NCDs) for the year ended 31 st March 2022.

Regulation 51(2) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015 as amended

Certificate of Principal & Interest Payment in respect of Non-Convertible Debentures (“NCDs”).

Regulation 50 (1) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015.

Certificate of Interest Payment in respect of Non-Convertible Debentures (“NCDs”)

Certificate of Interest Payment in respect of Non-Convertible Debentures (“NCDs”).

Submission of Practicing Company Secretary Certificate for the year ended 31 st March 2022.

Regulation 7(3) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 as amended.

Half-yearly statement of ISINs for debt securities

Certificate confirming the payment of interest/ dividend/ principal amount paid on NCDs and the details of unpaid interest/ dividend/ principal in relation to NCDs during the quarter from 01 st January, 2022 to 31 st March, 2022.

Prior intimation of Record Date(s) and Due Date(s) of Principal & Interest Amount(s) Payable on NCDs during the quarter April 2022 to June 2022.

Prior intimation of Interest/Dividend/Principal Amount(s) Payable on NCDs during April 2022 - June 2022 quarter.

Regulation 57 (1) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“LODR”) as amended

Regulation 51(2) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015

Declaration in respect of Un-Audited Financial Results for the Quarter and year to date as on 31 st December, 2021 with unmodified opinion on Limited Review Report

Intimation of Asset Cover details for the Secured Listed Non-Convertible Debentures (NCDs) for the Quarter ended 31 st December, 2021.

Regulation 51(2) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015

Regulation 50 (1) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015

Certificate of Interest & Princpal Payment in respect of Non-Convertible Debentures (“NCDs”) under Regulation 57(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Prior intimation of Record Date and Due Date of Interest Amount Payable on NCDs in the month of February 2022.

Certificate confirming the payment of interest/ dividend/ principal amount paid on NCDs and the details of unpaid interest/ dividend/ principal in relation to NCDs during the quarter from 01 st October, 2021 to 31 st December, 2021.

Certificate of Interest & Princpal Payment in respect of Non-Convertible Debentures (“NCDs”) under Regulation 57(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Certificate of Interest Payment in respect of Non-Convertible Debentures (“NCDs”) under Regulation 57(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Intimation in respect of Un-Audited Financial Results for the quarter & half-financial year ended 30 t h September, 2021 with unmodified opinion.

Intimation of Asset Cover details for the Secured Listed Non-Convertible Debentures (NCDs) for the half-year ended 30th September, 2021

Regulation 51(2) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015.

Regulation 51(2) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015

Regulation 52(7) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015

Prior intimation of Record Date and Due Date of Interest & Principal Amounts Payable on NCDs in the month of November 2021.

Regulation 50 (1) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015

Certificate of Interest Payment in respect of Non-Convertible Debentures (“NCDs”) under Regulation 57(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Half-yearly statement of ISINs for debt securities issued under the SEBI (Issue and Listing of Debt Securities) Regulations, 2008

Certificate Confirming Payment of Interest/Dividend/Principal Obligation(s) for NonConvertible Securities which were due in July-September 2021 quarter.

Disclosure under Regulation 51(2) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015

Disclosure under Regulation 50(2) and Regulation 53(2) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) ("SEBI LODR") Regulations, 2015

Change of Statutory Auditor, pursuant to Reserve Bank of India Guidelines for Appointment of Statutory Central Auditor (SCA)/ Statutory Auditors (SAs) of Commercial Banks (excluding RRBs), UCBs and NBFCs (including HFCs) ("Guidelines")

Prior intimation of Interest/Dividend/Principal Amount Payable on NCDs during October- December 2021 quarter.

Prior intimation of Record Date and Due Date of Interest Amount Payable on NCDs in the month of October 2021

Prior intimation of Record Date and Due Date of Interest Amount Payable on NCDs in the month of October 2021

Vaya's Directors' Report, AOC, Annual Report, and Financials for the financial year 2021-22 can be downloaded here.

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies’

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies’

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies.

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies.

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies.

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies

Vaya's Directors' report, AOC, Annual Report, and Financials for the financial year 2020-21 can be downloaded here.

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies

Vaya's Directors' report, AOC, Annual Report, and Financials for the financial year 2019-20 can be downloaded here.

Public Disclosure of Liquidity Risk as per RBI’s notification - RBI/2019-20/88 and DOR.NBFC (PD) CC. No.102/03.10.001/2019-20 dated 04th November 2019 regarding ‘Liquidity Risk Management Framework for Non-Banking Financial Companies and Core Investment Companies

Vaya's Directors' report, AOC, Annual Report, and Financials for the financial year 2018-19 can be downloaded here.

Vaya's Directors' report, AOC, Annual Report, and Financials for the financial year 2017-18 can be downloaded here.

Vaya's AGM notice, Directors' report, AOC, Annual returns, and Financials for the financial year 2016-17 can be downloaded here.

Vaya's AGM notice, Directors' report, AOC, Annual returns, and Financials for the financial year 2015-16 can be downloaded here.