Paisalo Digital Limited has disclosed the schedule for its upcoming non-deal roadshow of investor meetings, set to take place in Switzerland on August 18, 2026. The company confirmed that the events will involve a mix of group and one-on-one meetings conducted in a physical format.

The disclosure was made pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Manendra Singh, Company Secretary at Paisalo Digital, signed the intimation addressed to the listing departments of both the BSE Limited and the National Stock Exchange of India Limited.

Meeting Schedule

The investor interactions are scheduled as follows:

The company noted that the schedule is subject to change due to exigencies on the part of analysts, institutional investors, or the company itself.

Regulatory Compliance

Paisalo Digital emphasized that no unpublished price-sensitive information is proposed to be shared during these meetings. The filing serves as an official intimation to record holders and regulatory bodies regarding the planned engagement with market participants.

Paisalo Digital Limited company name reported a robust start to FY27, with assets under management (AUM) rising 28% year-on-year to ₹67,074 million as of June 30, 2026. The company achieved its highest-ever quarterly disbursement of ₹17,309 million, marking a 128% year-on-year increase, driven by expanded distribution and strong demand in the MSME segment. Profit after tax grew 30% to ₹613 million, outpacing income growth due to operating leverage and a 64-basis-point decline in the cost of borrowing to 10.1%. Deputy Managing Director Santanu Agarwal highlighted that these results reflect compounding investments in distribution, technology, and liability management.

The financial performance was underpinned by total income of ₹2,603 million, up 19% year-on-year, and net interest income of ₹1,447 million. The net interest margin remained stable at 6.6%, while return on assets stood at 3.6% and return on equity at 13.4%. Asset quality improved despite rapid scaling, with gross NPA at 0.70% and net NPA at 0.49%. Collection efficiency was maintained at 97.5%. Total borrowings reached ₹48,467 million, supported by a diversified funding mix, while net worth increased to ₹18,298 million, keeping capital adequacy at 33.1%.

Strategic Pillars Driving Growth

Management outlined four core pillars reinforcing the company’s scalable franchise. First, distribution expansion saw touch points rise from 5,299 to 5,995 across 23 states. The business correspondent network crossed USD 1 billion in gross transaction value, validating the asset-light model. Second, product diversification introduced six new lines in agri, industrial, and alternative fuel equipment financing, ensuring no single industry exceeds 25% concentration. Third, technology and AI integration processed 180,000 onboarding applications and 500,000 voice-to-data conversions, with AI-enabled outbound calls reaching 200,000 daily. Fourth, liability management efforts reduced borrowing costs significantly compared to the 13% level in FY21.

Regulatory Tailwinds and Funding

The Reserve Bank of India’s circular increasing the collateral-free lending threshold for micro and small enterprises to ₹20 lakh presents a significant opportunity. Agarwal noted this shift favors cash-flow-based lending and technology-led underwriting, aligning with Paisalo’s strengths. To fund future growth, the company launched tranche 1 of a public issue of non-convertible debentures (NCDs) aggregating up to ₹300 crore under a ₹900 crore shelf limit, opening on August 7, 2026. Additionally, foreign currency convertible bonds worth USD 44 million are due for conversion, which will further reduce leverage.

What the Numbers Show

The divergence between interest expense growth (up 32% quarter-on-quarter) and operating expense decline (down 32%) reflects a temporary lag between debt issuance and loan deployment, typical in Q1. Management expects normalization in subsequent quarters as funds are deployed and FCCB conversions occur. The sustained improvement in asset quality alongside record disbursements indicates that AI-driven underwriting and disciplined collection practices are effectively mitigating risk even as the loan book expands rapidly. The company aims to double its AUM, income, and profitability within three years, leveraging these structural efficiencies.