Paisalo Digital Limited announced that promoter shareholding increased to 46.72% in Q1FY27, rising from 41.75% in FY26, following a series of open-market acquisitions. The promoter group added 4.97% this quarter, continuing a multi-year pattern of increased ownership that has grown from approximately 26% in FY19. Alongside this, the company has projected a 30-35% growth rate for AUM, PAT, and Revenue over the next three years, underpinned by reduced fund costs over the past four years and borrowing costs expected at 10.5% for the three-year plan.

Promoter Holding History

The steady rise in promoter ownership over the years underscores a consistent long-term commitment to the company's growth trajectory, as illustrated below.

Three-Year Growth Projections

Paisalo Digital's three-year roadmap targets the doubling of Assets Under Management (AUM), Total Income, and Profit After Tax (PAT), with a projected growth rate of 30-35% across these key metrics. Supporting this trajectory, the company has successfully reduced its fund costs over the past four years, with borrowing costs expected to be maintained at 10.5% for the duration of the three-year plan. This cost discipline is expected to strengthen operating leverage and improve profitability as the company scales its lending franchise.

Strategic Roadmap and AI-Led Transformation

Central to the company's strategy is a transition from a "High Touch – High Tech" model to a "Fin AI"-led lending franchise. This shift involves integrating artificial intelligence across customer acquisition, underwriting, risk assessment, portfolio monitoring, and collections to improve speed, accuracy, and risk outcomes.

Four Pillars of Growth

Paisalo Digital's growth strategy is anchored on four key pillars. The first is AI-powered lending to deepen the use of AI and ML in underwriting, fraud detection, early-warning signals, and collections. The second focuses on pristine asset quality through disciplined credit selection, robust collections infrastructure, and real-time monitoring. The third pillar involves distribution expansion, building on a network of 5,299 touchpoints across 22 states and union territories to deepen existing markets and enter new geographies. The final pillar emphasises long-term sustainable growth by scaling MSME and micro-enterprise loans, broadening the product suite, improving operating leverage, and diversifying liabilities to optimise the cost of capital.

Management Commentary

Santanu Agarwal, Deputy Managing Director of Paisalo Digital Limited, stated that the increase in promoter shareholding is a strong reflection of long-term confidence in the company's growth journey. He highlighted the focus on building a scalable, AI-led, and risk-disciplined lending franchise anchored on responsible growth, technology-led underwriting, deep distribution, strong governance, and pristine asset quality. Agarwal expressed confidence in delivering sustainable, profitable growth given the proven execution track record and large underserved market opportunity.

Paisalo Digital Limited is engaged in providing formal credit to underserved borrowers, MSMEs, and micro-enterprises across India. The company operates with a network of 5,299 touchpoints across 22 states and union territories, aiming to simplify loans through a trusted, technology-enabled, and customer-centric approach.

SBI Life Insurance Co Ltd has reduced its shareholding in Paisalo Digital Ltd by disposing of 50,00,000 equity shares via an open market transaction on July 01, 2026. The disclosure was made to the stock exchanges pursuant to Regulation 29(2) of the SEBI (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.

Prior to the transaction, SBI Life Insurance Company Limited held 6,21,14,267 shares, which accounted for 6.83% of the total share capital and 6.27% of the total diluted share capital of the target company. The acquirer clarified that it does not belong to the promoter or promoter group of Paisalo Digital Limited.

Shareholding Details

The sale of 50,00,000 shares constituted 0.55% of the total share capital and 0.50% of the total diluted share capital. Post-disposal, the insurer's holding has adjusted to 5,71,14,267 shares. The total voting capital of Paisalo Digital Limited remained unchanged at 90,95,21,874 shares, while the total diluted share capital stood at 99,09,61,314 shares.

The shares of Paisalo Digital Limited are listed on the National Stock Exchange of India Ltd and BSE Limited. The disclosure was signed by Girish Manik, Company Secretary of SBI Life Insurance Company Limited.