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.
Our Lenders
Banks
NBFCs
Development Finance Institution / Alternate Investment Fund
Interested in investing? Write us a message below
Kavita provides flowers and garlands for weddings, housewarming ceremonies and other functions. She took a loan through Vaya Finserv and increased her harvest and profits. With half her loan repaid, Kavita talks about her experience and hopes for the future.
Sangeetha has been rolling beedis for 20 years, but she was losing Rs. 50 of potential income every day because she couldn't afford to buy her own leaves. With Vaya's help, she's taken a step closer to independence.
Subbamma is a 35-year old sugarcane farmer who took it upon herself to form a 'sangam' - a group of women - so that they could all benefit from microloans. In 2015, she took a two-year loan from YES Bank through Vaya Finserv to increase her harvest. With the loan period drawing to a close, she tells us about her experience.
Assisted by Vaya in starting her puffed rice business, Gaya Devi has found a way to be fiscally independent and stand on her own two feet. Here, she describes her experience.
Armun runs an embroidery business with her husband. They do intricate "zari" work on vivid saris. With Vaya's help, she bought materials and paid an artisan. Now that she has repaid her loan, she wants a second one to hire more artisans and increase production. She has five beautiful daughters whose future she wants to secure.
Balamani and her husband took out a loan of INR 60,000 for their daughter's wedding. Her husband is working off the debt with their creditor; an entire year's salary will go towards repayment. Balamani, meanwhile, washes clothes, takes up agricultural work and sundry small jobs to help out. With a loan from Vaya, Balamani bought a buffalo, and with it, a steady supplement to her income. With only a few months left until their debt is cleared, Balamani describes her experience with the loan and her aspirations for the future - she wants to run a dairy farm, turning that steady trickle of income into a viable, reliable business.
When Surekha lost her husband to suicide 10 years ago, the care of their four children fell entirely on her vulnerable shoulders. With no business or work experience, it was difficult to find a lender who had faith in her ability to repay. But Surekha had faith in herself. With the help of Vaya's loan, she bought goats and became a goat farmer, learning about business and the management of money on the way. This is the story of her courage, resilience and optimism in the face of tragedy.
Shahana found her first loan from Vaya so useful to her business (apart from making flutes, she was able to help her son set up a mobile shop) that she took another loan soon after repaying her first one. 4 instalments into the repayment cycle of her second loan, she explains how she uses the loan money and what she hopes to gain for her business and her children.
Annapurna is a smiling young lady of very modest means. Every day, she weaves and sells towels. With Vaya's help, she was able to procure material in bulk. For her family, she dreams of owning a refrigerator, a grinder and her own home. For herself, she dreams of travelling, starting with Puri and Konark. Like so many of our customers, she is willing to work hard for a better future.
Sushama is a quiet lady who has honed her expertise in the colourful craft of painted wooden idols of the famous Puri Jagannath deity. Her aspirations are simple and universal: a flourishing business and a better quality of life for herself and her family. With Vaya's loan, she can begin to lay the practical groundwork for the expansion of her business.
Through her job with Vaya as a field credit officer, Jayamma is able to both help support her family, and give the women in her community the financial support they deserve. She is an independent woman who takes pride in her work and is touched by the affection and respect customers show her.
Kavita provides flowers and garlands for weddings, housewarming ceremonies and other functions. She took a loan through Vaya Finserv and increased her harvest and profits. With half her loan repaid, Kavita talks about her experience and hopes for the future.
Sangeetha has been rolling beedis for 20 years, but she was losing Rs. 50 of potential income every day because she couldn't afford to buy her own leaves. With Vaya's help, she's taken a step closer to independence.
Subbamma is a 35-year old sugarcane farmer who took it upon herself to form a 'sangam' - a group of women - so that they could all benefit from microloans. In 2015, she took a two-year loan from YES Bank through Vaya Finserv to increase her harvest. With the loan period drawing to a close, she tells us about her experience.
Assisted by Vaya in starting her puffed rice business, Gaya Devi has found a way to be fiscally independent and stand on her own two feet. Here, she describes her experience.
Armun runs an embroidery business with her husband. They do intricate "zari" work on vivid saris. With Vaya's help, she bought materials and paid an artisan. Now that she has repaid her loan, she wants a second one to hire more artisans and increase production. She has five beautiful daughters whose future she wants to secure.
Balamani and her husband took out a loan of INR 60,000 for their daughter's wedding. Her husband is working off the debt with their creditor; an entire year's salary will go towards repayment. Balamani, meanwhile, washes clothes, takes up agricultural work and sundry small jobs to help out. With a loan from Vaya, Balamani bought a buffalo, and with it, a steady supplement to her income. With only a few months left until their debt is cleared, Balamani describes her experience with the loan and her aspirations for the future - she wants to run a dairy farm, turning that steady trickle of income into a viable, reliable business.
Shahana found her first loan from Vaya so useful to her business (apart from making flutes, she was able to help her son set up a mobile shop) that she took another loan soon after repaying her first one. 4 installments into the repayment cycle of her second loan, she explains how she uses the loan money and what she hopes to gain for her business and her children.
When Surekha lost her husband to suicide 10 years ago, the care of their four children fell entirely on her vulnerable shoulders. With no business or work experience, it was difficult to find a lender who had faith in her ability to repay. But Surekha had faith in herself. With the help of Vaya's loan, she bought goats and became a goat farmer, learning about business and the management of money on the way. This is the story of her courage, resilience and optimism in the face of tragedy.
Annapurna is a smiling young lady of very modest means. Every day, she weaves and sells towels. With Vaya's help, she was able to procure material in bulk. For her family, she dreams of owning a refrigerator, a grinder and her own home. For herself, she dreams of travelling, starting with Puri and Konark. Like so many of our customers, she is willing to work hard for a better future.
Sushama is a quiet lady who has honed her expertise in the colourful craft of painted wooden idols of the famous Puri Jagannath deity. Her aspirations are simple and universal: a flourishing business and a better quality of life for herself and her family. With Vaya's loan, she can begin to lay the practical groundwork for the expansion of her business.
Through her job with Vaya as a field credit officer, Jayamma is able to both help support her family, and give the women in her community the financial support they deserve. She is an independent woman who takes pride in her work and is touched by the affection and respect customers show her.