Paisalo Digital Ltd

Net profit of Paisalo Digital rose 6.13% to Rs 66.26 crore in the quarter ended December 2025 as against Rs 62.43 crore during the previous quarter ended December 2024. Sales rose 17.82% to Rs 240.05 crore in the quarter ended December 2025 as against Rs 203.75 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Sales240.05203.75 18 OPM %78.0881.29 - PBDT92.7183.54 11 PBT89.5882.30 9 NP66.2662.43 6 Powered by Capital Market - Live

Paisalo Digital will hold a meeting of the Board of Directors of the Company on 6 February 2026.Powered by Capital Market - Live

Paisalo Digital has successfully raised Rs 188.5 crore at an annual ROI of 8.5% through its latest listed issuances in Q3. This raise highlights the Company's strong credit profile, disciplined risk management, and robust balance‑sheet strength. This issuance is expected to meaningfully reduce Paisalo's cost of funds, strengthen its medium-term capital base, and enhance its lending capacity. Paisalo will deploy the proceeds to support its pan‑India expansion across 22 states and UTs, deepen its High Tech-High Touch distribution model, and accelerate the rollout of new lending products aimed at micro‑entrepreneurs, self‑employed borrowers, and underserved income segments.Powered by Capital Market - Live

Paisalo Digital is accelerating the expansion of its touchpoint network and strengthening its customer franchise across India as part of its long-term growth and financial inclusion strategy. The company has demonstrated remarkable growth momentum, expanding its touchpoint network by ~4 times from 1,052 touchpoints across 18 states in FY23 to 4,380 touchpoints across 22 states and union territories as of Q2FY26, comprising 402 branches, 2,585 distribution points, and 1,393 Business Correspondents (BCs). The customer franchise stood at ~2 million in FY23 which grew substantially to ~13 million in H1FY26. This increase of more than six times highlights robust market penetration and underscores the effectiveness of our business development strategies. The expanding network has also contributed to sustained business momentum. Paisalo Digital reported a record Assets Under Management (AUM) of Rs 5449.4 crore, reflecting ~25% CAGR in the last 3 years, driven by the highest-ever quarterly disbursements of Rs 1102.5 crore, up 41% YoY in Q2FY26. Speaking on the expansion, Santanu Agarwal, Deputy Managing Director of Paisalo Digital, said: 'Expanding our touchpoints and strengthening our customer franchise are central to Paisalo's growth strategy. With a robust on-ground network of 4,380 total touchpoints, we remain closely connected to our customers, particularly first-time and underserved borrowers. By combining local presence with technology-led underwriting, we are improving credit accessibility, service quality, and financial awareness across Bharat.' Paisalo Digital's technology-enabled, high-touch model continues to support scale with stability. The Company reported a collection efficiency of 98.4%, with GNPA and NNPA at well-controlled levels of 0.81% and 0.65%, respectively, highlighting strong asset quality even amid rapid expansion. As part of its strategic expansion plans, Paisalo Digital is also actively investing in workforce capacity. The company's employee base has grown to 3,255, complemented by digital platforms and training programs to support its growing footprint. Additionally, Paisalo Digital is prioritizing the cross-selling of financial products through its Business Correspondent (BC) and branch networks to boost BaaS (Banking as a Service) share and drive long-term customer value.Powered by Capital Market - Live

Paisalo Digital has approved the issuance of up to 7,500 Unsecured Non-Convertible Debentures, each having a face value of Rs. 1,00,000/- each aggregating upto Rs. 75 crore inclusive of base issue of Rs. 25 crore with an option to retain over subscription (Green Shoe Option) upto Rs. 50 crore in total aggregating upto Rs. 75 crore. The tentative date of allotment is 09 December 2025. Powered by Capital Market - Live

Net profit of Paisalo Digital rose 3.25% to Rs 51.54 crore in the quarter ended September 2025 as against Rs 49.92 crore during the previous quarter ended September 2024. Sales rose 19.77% to Rs 224.01 crore in the quarter ended September 2025 as against Rs 187.03 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Sales224.01187.03 20 OPM %75.4277.80 - PBDT71.1868.18 4 PBT69.0067.14 3 NP51.5449.92 3 Powered by Capital Market - Live

Paisalo Digital will hold a meeting of the Board of Directors of the Company on 10 November 2025.Powered by Capital Market - Live

Despite the pullback, the scrip remains up 33.28% in the last three months, though it is still down 34.58% over the past year. Paisalo Digital is a non-banking finance company (NBFC) that provides small-ticket income generation loans to financially underserved segments in India. On a consolidated basis, the company's net profit rose 13.69% to Rs 47.17 crore on 17.24% increase in total income to Rs 218.71 crore in Q1 June 2025 over Q1 June 2024. Powered by Capital Market - Live

Paisalo Digital has allotted 5000 Rated, Listed, Senior, Secured, Redeemable, Taxable, Transferable, Non-Convertible Debentures of face value of Rs 1 lakh each aggregating Rs 50 crore on private placement basis on 10 September 2025. Powered by Capital Market - Live

The company will issue upto 5,000 non-convertible debentures (NCDs) with a face value of Rs 1 lakh each, aggregating to Rs 50 crore. The NCDs will carry a coupon rate of 10% per annum, with a tenure of 36 months. The coupon will be payable monthly and redemption will be made in 4 equal quarterly instalment starting from 9th quarter. The debentures are proposed to be listed on Bombay Stock Exchange (BSE). Paisalo is an NBFC focused on providing small-ticket loans to financially excluded segments, including SMEs, MSMEs and self-employed individuals. The company has co-lending tie-ups with major banks. On a consolidated basis, the company's net profit rose 13.69% to Rs 47.17 crore on 17.24% increase in total income to Rs 218.71 crore in Q1 June 2025 over Q1 June 2024.Powered by Capital Market - Live