Paisalo Digital Limited has executed a strategic debt management move by exercising the call option for partial redemption of its unlisted, unsecured redeemable non-convertible debentures (NCDs). The company notified stock exchanges of this early redemption, demonstrating proactive financial management.

NCD Redemption Details

The redemption covers specific debentures from the company's debt portfolio:

This early redemption represents a strategic move to optimize the company's long-term liabilities and reduce future interest obligations. The action enhances balance sheet efficiency while demonstrating financial discipline to stakeholders and investors.

Upcoming Board Meeting and Trading Window

Paisalo Digital has scheduled important corporate activities for the coming weeks. The Board of Directors meeting is set for February 6, 2026, to consider and approve standalone and consolidated financial results for the quarter ended December 31, 2025.

In compliance with insider trading regulations, the company has implemented trading restrictions:

• Trading Window Closure: January 1, 2026
• Reopening: 48 hours after financial results publication
• Regulatory Framework: SEBI Prohibition of Insider Trading Regulations, 2015

The notification was officially signed by Manendra Singh, Company Secretary, and submitted to both BSE and NSE for information and record-keeping purposes.

Recent Capital Raising Success

Paisalo Digital's debt management strategy follows a successful capital raising initiative. On January 6, 2025, the company announced acquiring over Rs 188.5 crore through listed issuances in the third quarter at an annual ROI of 8.5%.

The capital raise objectives include:

• Reducing overall cost of funds
• Strengthening medium-term capital base
• Enhancing total lending capacity
• Supporting growth initiatives across India

As a prominent non-deposit-taking NBFC focusing on inclusive lending, Paisalo operates across 22 states and Union Territories with 4,380 touchpoints. The company continues developing its "High Tech-High Touch" distribution approach while introducing new loan products for micro-entrepreneurs, self-employed borrowers, and underserved income groups.

Strategic Positioning

The early NCD redemption aligns with Paisalo's broader strategy to establish itself as a financial facilitator for underserved segments in India. With a strong balance sheet and comprehensive risk management framework, the company aims to capture a larger share of the formalizing MSME credit ecosystem while building foundations for profitable and diversified medium-term growth.

Paisalo Digital has executed a strategic debt management initiative by redeeming ₹1.00 crore worth of unlisted, unsecured redeemable non-convertible debentures (NCDs) seven years ahead of their scheduled maturity. The company exercised a call option to partially redeem 10 NCDs under Series PDL-09-2023, which were originally set to mature on September 2, 2033.

Debt Redemption Details

The partial redemption represents a proactive approach to balance sheet optimization. The company has formally notified both the National Stock Exchange of India Limited and BSE Limited about this transaction for record-keeping and informational purposes.

Recent Capital Raising Activities

Paisalo Digital successfully completed public issuances in Q3, raising ₹188.50 crores at an annual return on investment of 8.50%. This capital infusion is expected to significantly reduce the company's cost of funds while enhancing its lending capabilities and strengthening its medium-term capital foundation.

The raised funds will support the company's High Tech-High Touch distribution strategy and facilitate pan-Indian expansion across 22 states and union territories. Additionally, the capital will accelerate the launch of new lending products targeting micro-entrepreneurs, self-employed borrowers, and underserved income segments.

Shareholding and Market Performance

SBI Life Insurance maintains a significant stake in the company, holding 6,21,14,267 shares representing approximately 6.83% of total voting rights as of the December quarter. The company's market capitalization stands at approximately ₹2,981.00 crores with a trailing price-to-earnings ratio of 14.18.

Company Background

Paisalo Digital Limited was originally incorporated as SE Investment Limited on March 5, 1992, and was renamed to its current identity on January 12, 2018. The company operates as a Non-Banking Financial Company (NBFC) specializing in providing small funding facilities to microbusinesses and financially disadvantaged individuals across India.