Paisalo Digital files FY26 sustainability report with exchanges
- Paisalo Digital filed its FY26 BRSR report detailing operations across 22 states
- MSME loans drove 86.31% of turnover while vehicle loans accounted for 4.30%
- Total energy consumption fell to 17,860.03 GJ from 27,601.88 GJ in FY25
- Scope 1 and 2 greenhouse gas emissions rose to 1,501.64 tonnes CO2e
- CSR spending reached ₹43.78 million benefiting over 135,000 people
*this image is generated using AI for illustrative purposes only.
Paisalo Digital submitted its Business Responsibility and Sustainability Report (BRSR) for FY26 to the National Stock Exchange and BSE on August 28, 2026. The filing outlines the non-banking financial company’s operational footprint, governance structures, and environmental performance for the period ending March 31, 2026.
The report confirms that Paisalo operates exclusively within the domestic market, serving customers across 22 states through a network of 422 branches and 5,299 touch points. The entity reported total energy consumption of 17,860.03 GJ from non-renewable sources, a decline from 27,601.88 GJ in FY25. Water withdrawal stood at 15,256.96 kilolitres, primarily sourced from third parties.
Operational and Environmental Metrics
Paisalo’s lending portfolio remains concentrated in financial services, accounting for 100% of turnover. MSME and SME commercial loans contributed 86.31% of total turnover, followed by small income generation loans at 9.39% and vehicle loans at 4.30%.
| Metric | FY26 | FY25 |
|---|---|---|
| Total Energy Consumption (GJ) | 17,860.03 | 27,601.88 |
| Energy Intensity (GJ/Mn INR) | 1.89 | 3.76 |
| Water Withdrawal (KL) | 15,256.96 | 15,762.88 |
| GHG Emissions (Scope 1+2) | 1,501.64 tonnes | 796.62 tonnes |
The company initiated the measurement of selected Scope 3 emissions, recording 287.004 metric tons of CO2 equivalent in FY26. Waste generation remained minimal at 0.08 metric tonnes, entirely comprised of e-waste which was fully recycled.
Governance and Human Rights
The Board of Directors comprises 10 members, with one female director representing 10% of the board. Key Management Personnel included six individuals, none of whom were female. The company reported no penalties, fines, or settlements with regulators during FY26. Training coverage for human rights policies reached 100% of the 3,076 permanent employees.
What the Numbers Show
A notable divergence exists between the reduction in total energy consumption and the rise in greenhouse gas emissions. While total energy use fell by approximately 35% from FY25 to FY26, combined Scope 1 and Scope 2 emissions increased from 796.62 tonnes to 1,501.64 tonnes. This suggests a shift in the fuel mix or emission factors associated with the energy consumed, despite lower overall volume.
Corporate Social Responsibility
Paisalo spent ₹43.78 million on CSR initiatives in FY26, benefiting 135,420 individuals. Key projects included food distribution, healthcare promotion, and skill development across Uttar Pradesh, Delhi, and other states. The company also reported a turnover rate of 31.21% for permanent employees in FY26, down from 36.42% in FY25.
Historical Stock Returns for Paisalo Digital
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -0.49% | -3.50% | -4.17% | +89.82% | +122.11% | +122.85% |
How does Paisalo Digital plan to address the divergence between reduced energy consumption and rising Scope 1+2 GHG emissions in its upcoming sustainability roadmap?
What specific strategies will Paisalo employ to expand its Scope 3 emissions measurement beyond the initial pilot, and how might this impact its carbon footprint reporting?
Given the 100% turnover concentration in financial services, what risks or diversification plans exist to mitigate sector-specific volatility for MSME and SME lenders?
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