Paisalo Digital Limited , a specialized digitally-enabled NBFC, has reported robust financial performance for the quarter ended June 30, marking a strong start to the fiscal year with significant growth across key metrics.

Strong Financial Performance

The company's assets under management (AUM) reached INR 52,302.00 crore, representing a 14% year-on-year growth. This growth was supported by a 16% increase in disbursements, which stood at INR 758.10 crore for the quarter.

Paisalo Digital achieved its highest-ever total income of INR 218.70 crore, up 17% year-on-year. The company's net interest income saw a substantial rise of 28%, reaching INR 124.40 crore, underscoring the strength of its core lending operations.

Profitability and Asset Quality

The company reported a profit after tax of INR 47.20 crore, marking a 14% year-on-year growth. Return on equity stood at 11.90%, while return on assets was 3.70%, indicating healthy profitability ratios amid continued investments in growth.

Asset quality showed improvement, with Gross NPA at 0.85% and Net NPA at 0.68%. The company's collection efficiency strengthened to 99.80% from 99.20% in the previous year, reflecting the resilience of its portfolio and effective risk management practices.

Expansion of Customer Base and Distribution Network

Paisalo Digital crossed a significant milestone by surpassing 11 million customers, adding approximately 1.5 million new customers during the quarter. This rapid expansion of the customer base highlights the growing relevance of the company's inclusive last-mile credit and Banking-as-a-Service (BaaS) model.

The company continued to strengthen its pan-India distribution network, which now spans 3,997 touchpoints across 22 states and union territories. This includes:

• 401 branches
• 2,214 distribution points
• 1,382 business correspondents

Notably, Paisalo added a record 50 new branches during the quarter, reinforcing its commitment to expanding its physical presence in strategic locations.

Strategic Partnership with State Bank of India

In a significant development, Paisalo Digital expanded its co-lending partnership with State Bank of India (SBI) to include the MSME and SME segments. The operational rollout of this expanded partnership is expected by Q4 FY26. This collaboration is anticipated to significantly scale the company's MSME and SME loan offerings by leveraging SBI's nationwide banking infrastructure and low-cost funds with Paisalo's agile digital credit platform.

Management Commentary

Santanu Agarwal, Deputy Managing Director of Paisalo Digital, commented on the results, stating, "Q1 reflects not just strong numbers but also strategic execution aligned with our mission to enable equitable credit access and support India's growth story from the grassroots up. We remain confident in our ability to scale responsibly while maintaining superior risk management, governance, and customer-centric innovation."

Outlook

With a strong start to the fiscal year, Paisalo Digital appears well-positioned to capitalize on the growing demand for credit in underserved and financially excluded segments. The company's focus on expanding its distribution network, coupled with strategic partnerships and a robust digital platform, is expected to drive sustainable growth in the coming quarters.

As Paisalo Digital continues to execute its growth strategy, investors and stakeholders will be watching closely to see how the company leverages its expanded partnership with SBI and its growing customer base to further strengthen its market position in the NBFC sector.

Paisalo Digital Limited , a prominent player in the financial services sector, has seen a significant change in its shareholding structure. Equilibrated Venture Cflow (P) Ltd, a promoter group entity, has increased its stake in the company through substantial open market purchases.

Stake Increase Details

Equilibrated Venture Cflow acquired 74,70,000 equity shares of Paisalo Digital Limited through open market transactions on July 24 and 25, 2025. This strategic move has resulted in an increase in their shareholding from 15.67% to 16.50% of the total share capital.

Transaction Specifics

• Shares Acquired: 74,70,000
• Face Value: ₹1 per share
• Acquisition Dates: July 24 and 25, 2025
• Mode of Acquisition: Open Market

Shareholding Impact

Company Share Capital

Paisalo Digital's total equity share capital remains unchanged at ₹90,21,18,289, divided into 90,21,18,289 equity shares with a face value of ₹1 each.

Stock Exchange Listings

Paisalo Digital Limited's shares continue to be listed on both the National Stock Exchange of India Limited (NSE) and BSE Limited.

Upcoming Dividend Announcement

In a separate announcement, Paisalo Digital has set Monday, September 22, 2025, as the Record Date for determining shareholder eligibility for the final dividend for the financial year ended March 31, 2025. The proposed dividend is subject to shareholder approval at the upcoming 33rd Annual General Meeting scheduled for Monday, September 29, 2025.

This increase in promoter stake, coupled with the upcoming dividend announcement, reflects ongoing developments in Paisalo Digital's corporate structure and shareholder returns strategy.