Paisalo Digital Limited has entered into a Memorandum of Understanding (MOU) with Chakrawiu Gannlalen Company Limited for the provision of technology services and artificial intelligence support. Dated August 14, 2026, the agreement outlines a comprehensive scope of services aimed at supporting Chakrawiu's digital services business.

Scope of Engagement

Under the terms of the MOU, Paisalo will deliver a wide range of technology solutions. The scope includes software and digital platform development, data processing, technology consulting, system integration, process automation, and technology infrastructure management. Additionally, the company will provide technical support and training services.

A key component of the partnership involves knowledge transfer. Paisalo will share its AI-related learnings and expertise with Chakrawiu to facilitate the development and implementation of relevant technology solutions.

Financial Impact

The engagement is structured to contribute a recurring income stream to Paisalo's financials. Based on the current scope of services, the company expects the deal to generate other income of approximately ₹4 crore to ₹5 crore per annum.

The MOU marks Paisalo Digital's expanded engagement in the technology and artificial intelligence services space, leveraging its existing capabilities to serve new clients in the digital services sector.

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.