Paisalo Digital Limited , a prominent player in the digital lending space, has reported a significant change in its shareholding structure. Equilibrated Venture Ceflow (P) Ltd., a promoter group entity, has increased its stake in the company through a recent acquisition of shares.

Key Details of the Transaction

• Acquisition Date: November 13, 2025
• Shares Acquired: 43,94,034 equity shares
• Acquisition Method: Open market transactions
• Share Face Value: Re. 1 each

Shareholding Impact

The acquisition has resulted in a 0.32 percentage point increase in Equilibrated Venture Ceflow's stake in Paisalo Digital Limited.

Company Overview

Paisalo Digital Limited's total equity share capital remains unchanged at Rs. 90,95,21,874, divided into 90,95,21,874 equity shares of Re. 1 each. The company operates in the financial services sector, focusing on digital lending solutions.

Regulatory Compliance

This disclosure was made in compliance with SEBI regulations concerning substantial acquisition of shares. Such transparency is crucial for maintaining market integrity and keeping shareholders informed about significant changes in ownership structure.

Market Implications

While the immediate market reaction to this shareholding change may vary, it's worth noting that promoter group increases in shareholding are often viewed positively by investors. It may be interpreted as a sign of confidence in the company's future prospects.

Recent Financial Performance

Paisalo Digital recently reported its Q2 FY 2026 results:

• Assets Under Management (AUM): ₹54,494 million, up 20% year-over-year
• Net Non-Performing Assets (NNPA): 0.65%
• Profit After Tax (PAT): ₹515 million, a 3% year-over-year growth

These figures provide context to the company's current financial standing and recent performance.

Paisalo Digital , a leading digitally-enabled NBFC, has announced its financial results for the quarter ended September 30, showcasing robust growth and operational resilience.

Key Financial Highlights

• Assets Under Management (AUM) grew by 20% year-over-year to Rs 54,494.00 million
• Disbursements surged 41% YoY to Rs 11,025.00 million
• Total income increased by 20% YoY to Rs 2,240.00 million
• Net Interest Income rose by 15% YoY to Rs 1,262.00 million
• Profit After Tax (PAT) grew by 3% YoY to Rs 515.00 million

Operational Performance

Paisalo Digital continued to expand its reach and customer base during the quarter:

• Customer franchise expanded to approximately 13 million, with the addition of 1.8 million customers
• Total touchpoints increased to 4,380 across 22 states, comprising 402 branches, 2,585 distribution points, and 1,393 Business Correspondents
• Collection efficiency remained strong at 98.4%

Asset Quality and Capital Adequacy

The company maintained robust asset quality metrics:

• Gross Non-Performing Assets (GNPA) stood at 0.81%, down from 0.86% in the same quarter of the previous year
• Net Non-Performing Assets (NNPA) were at 0.65%, slightly up from 0.61% in the same period last year
• Capital Adequacy Ratio remained strong at 38.2%, with Tier 1 capital at 30.3%

Strategic Developments

Paisalo Digital made significant strides in strengthening its capital structure:

• Converted USD 4.00 million of its USD 50.00 million Foreign Currency Convertible Bonds (FCCBs) into share capital
• Expanded paid-up equity capital from Rs 90.21 crore to Rs 90.95 crore
• Promoters increased their stake to 41.2%, up by 4.1%, signaling strong long-term commitment

Management Commentary

Mr. Santanu Agarwal, Deputy Managing Director of Paisalo Digital Ltd, commented on the results: "Q2 demonstrated disciplined growth and consistent execution. Our customer base surpassed the significant milestone of ~13 million, with nearly 1.8 million new customers added during the quarter, underscoring the strong traction of our inclusive last-mile credit model. With a reinforced balance sheet and a scalable omnichannel platform, Paisalo is well-positioned for sustainable growth and to expand equitable credit access in the quarters ahead."

Outlook

Paisalo Digital's focus on technology-driven financial inclusion, coupled with its expanding geographic footprint and robust asset quality, positions the company for continued growth. The strategic conversion of FCCBs and increased promoter stake further strengthen the company's capital base, supporting its expansion plans in the underserved and emerging MSME/SME segments.

As Paisalo Digital continues to leverage its high-tech, high-touch approach, it remains well-placed to capitalize on the growing demand for accessible financial services across India's diverse economic landscape.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Investors should conduct their own research and consult with financial advisors before making investment decisions.