Paisalo Digital Allots Rs 80 Crore Non-Convertible Debentures in Private Placement

Paisalo Digital Limited , a prominent player in the financial services sector, has announced the allotment of unsecured non-convertible debentures (NCDs) worth Rs 80 crore through private placement. The company's Operations and Finance Committee approved this allotment on November 6, 2025, marking a significant move in its financial strategy.

Key Details of the NCD Allotment

The allotment comprises two series of NCDs, each with distinct terms:

Feature	Series 1	Series 2
Number of NCDs	5,500	2,500
Face Value	Rs 1 lakh per NCD	Rs 1 lakh per NCD
Interest Rate	8.45% p.a.	8.50% p.a.
Maturity Date	November 6, 2027	November 6, 2028
Tenure	2 years	3 years
Total Value	Rs 55 crore	Rs 25 crore

Terms and Conditions

Both series of NCDs share several common features:

Type: Rated, Listed, Senior, Unsecured, Redeemable, Taxable, Transferable, Non-Convertible Debentures
Issuance Type: Private Placement
Coupon Payment Frequency: Annual
Redemption: To be redeemed at par on the respective maturity dates
Principal Repayment: One-time payment on maturity

Additional Information

The NCDs are unsecured, indicating they are not backed by any specific assets of the company.
In case of any delay in payment of interest or principal for more than three months from the due date, an additional interest of 2.00% per annum above the coupon rate will be applicable.
The company has confirmed that there are no special rights, interests, or privileges attached to these instruments.

This NCD issuance by Paisalo Digital Limited demonstrates the company's efforts to raise capital through debt instruments. The varying interest rates and maturity periods of the two series offer different options to potential investors, balancing the company's short-term and medium-term financial strategies.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
-4.50%	-4.28%	-2.11%	+13.73%	-21.23%	+82.45%

Paisalo Digital Limited , a prominent player in the Indian financial sector, has announced a significant move in the debt market. The company's Operations and Finance Committee has given the green light for the issuance of non-convertible debentures (NCDs) totaling Rs 150 crores, marking a notable development in its financial strategy.

Key Details of the NCD Issuance

The approved issuance comprises two series of unsecured NCDs, each with distinct features:

Particulars	Series 1	Series 2
Coupon Rate	8.45%	8.50%
Tenure	2 years	3 years
Number of NCDs	Up to 7,500	Up to 7,500
Face Value per NCD	Rs 1 lakh	Rs 1 lakh
Base Issue Size	Rs 25 crores	Rs 25 crores
Green Shoe Option	Rs 50 crores	Rs 50 crores
Total Issue Size	Rs 75 crores	Rs 75 crores
Coupon Payment	Annual	Annual
Listing	BSE Limited	BSE Limited

Issuance Structure and Timeline

Both series of NCDs will be issued through private placement via the Electronic Book Provider (EBP) Platform. The company has set a tentative allotment date of November 6, 2025, for both series. The NCDs will be redeemed at par on their respective maturity dates.

Additional Terms

In case of any delay in payment of interest or principal redemption, Paisalo Digital has stipulated an additional interest rate of 2.00% per annum above the coupon rate. This provision underscores the company's commitment to timely payments and investor protection.

Market Implications

This NCD issuance by Paisalo Digital reflects the company's strategy to diversify its funding sources and potentially optimize its capital structure. For investors, these NCDs offer an opportunity to invest in a debt instrument with attractive coupon rates in the current market scenario.

The successful execution of this NCD issuance could strengthen Paisalo Digital's financial position, potentially enhancing its ability to fund its operations and growth initiatives. However, investors should conduct their due diligence and consider their risk appetite before making investment decisions.

As the financial landscape continues to evolve, such corporate actions provide insights into how companies are navigating the debt markets and managing their capital requirements in the face of changing economic conditions.