Paisalo Digital Limited has entered into a co-lending memorandum of understanding worth ₹500 crore with FatakPay. Signed on August 13, 2026, the agreement aims to expand formal credit access for micro-enterprises, micro, small and medium enterprises (MSMEs) and other underserved borrowers across India.

The partnership operates on an 80:20 participation basis. Paisalo will fund 80% of each loan extended under the facility, while FatakPay will contribute the remaining 20%. This structure reinforces Paisalo’s strategy of scaling growth through strategic alliances and technology-led distribution.

Deal Structure and Operations

The co-lending framework focuses on extending credit to eligible borrowers within the specified sectors. As part of the operational responsibilities, Paisalo will undertake Know Your Customer (KYC) verification of customers. The company will also handle customer data storage in compliance with regulatory requirements.

Strategic Context

This MOU fits into Paisalo’s broader strategic direction of using partnerships to expand reach while maintaining credit discipline. The company’s growth framework is centered on the Triple A approach: Accessibility, Affordability and Awareness. This strategy is supported by distribution expansion, technology and artificial intelligence integration, strategic partnerships and responsible growth.

Santanu Agarwal, Deputy Managing Director at Paisalo Digital Limited, stated that the ₹500 crore co-lending MOU represents an important milestone in the company's growth journey. He noted that such partnerships complement distribution capabilities and help expand access to formal credit at scale.

Agarwal added that these alliances remain a key growth driver as the company works towards its three-year roadmap of doubling assets under management (AUM), income and profit after tax (PAT).

What the Numbers Show

The 80:20 funding split indicates a high capital commitment from Paisalo relative to its partner. By assuming 80% of the loan value, Paisalo retains the majority of the interest income and associated credit risk for this portfolio segment. This structure suggests the partnership is primarily designed to leverage FatakPay’s distribution or customer acquisition capabilities rather than to significantly reduce Paisalo’s balance sheet exposure per loan ticket.

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.