Paisalo Digital Limited has successfully redeemed unlisted unsecured non-convertible debentures worth Rs 1,00,00,000, the company announced in a regulatory filing on February 12, 2026. The redemption was completed in accordance with the respective terms of issue and represents a significant corporate action for the financial services company.

Debenture Redemption Details

The company has redeemed 1 unlisted unsecured unrated 12% non-convertible debenture (NCD) from Series PDL 2020-2. The redemption was executed at par value through full and final payment, ensuring complete settlement of the obligation.

Regulatory Compliance

Paisalo Digital Limited has informed both BSE Limited and National Stock Exchange of India Limited about this redemption under Regulation 30 of SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015. The company maintains multiple scrip codes across various instruments including equity shares, NCDs, and commercial papers.

Corporate Communication

The redemption notice was signed by Company Secretary Manendra Singh and communicated to the stock exchanges' corporate relationship departments. The company emphasized that the redemption was conducted in strict accordance with the terms of issue established for the debenture series.

This redemption represents the completion of the company's obligation under the Series PDL 2020-2 debentures, demonstrating Paisalo Digital's commitment to honoring its debt obligations as per the agreed terms and timeline.

Paisalo Digital Limited has announced strong Q3FY26 financial results through its official regulatory filing under Regulation 30 of SEBI (LODR) Regulations, 2015. The digitally enabled NBFC reported Assets Under Management (AUM) growth of 16% year-over-year to ₹55,082 million and total income growth of 18% year-over-year to ₹2,401 million for the quarter ended December 31, 2025.

Financial Performance Highlights

The company achieved its highest quarterly Profit After Tax (PAT) of ₹663 million, marking a 6% year-over-year increase. Net Interest Income grew by 19% year-over-year from ₹1,217 million to ₹1,453 million, while maintaining a steady Net Interest Margin (NIM) of 6.6%.

Asset Quality and Operational Metrics

Paisalo Digital maintained healthy asset quality with Gross Non-Performing Assets (GNPA) at 0.83% and Net Non-Performing Assets (NNPA) at 0.66%. Collection efficiency for the quarter stood at 98.8%, reflecting strong operational performance. The company expanded its customer franchise to a record ~14 million, adding ~1.6 million customers during the quarter.

Capital Position and Cost Management

The company's financial foundation remains robust with a Capital Adequacy Ratio of 38.3% and Tier 1 capital at 30.7%. Net Worth grew by 18% year-over-year to ₹17,404 million. Cost of borrowing improved significantly to 10.3%, down 92 basis points from 11.3% in Q3FY25, reflecting effective refinancing strategies. Return on Assets (ROA) stood at 3.8% while Return on Equity (ROE) reached 12.6%. Total borrowings stood at ₹38,579 million as of December 2025.

Business Expansion and AI Transformation

During the quarter, Paisalo Digital broadened its reach by adding 492 new touchpoints, bringing the total to 4,872 across 22 states. Disbursements rose 7% year-over-year to ₹10,574 million, reflecting sustained credit demand. The company raised ₹1,885 million at an 8.5% cost of funds, optimizing its liability profile to support capital-efficient growth.

Q3FY26 Earnings Call Details

Following the announcement of quarterly results, Paisalo Digital conducted its Q3FY26 earnings call on February 9, 2026. The company has made the audio recording of the earnings call available on its website for stakeholders and investors. The presentation materials were disclosed to the exchanges on the same date, providing comprehensive insights into the company's quarterly performance and strategic outlook.

Management Commentary

Commenting on the performance, Mr. Santanu Agarwal, Deputy Managing Director, highlighted the favorable macro environment created by India-US trade engagement and Union Budget 2026 policy support for MSMEs. He emphasized Paisalo's transformational journey to become an AI-first franchise, integrating advanced data ecosystems and automated workflows across its lending and operations platform to drive sustainable, tech-led growth.