Paisalo Digital Limited, a leading non-banking finance company (NBFC) focused on inclusive lending, has demonstrated remarkable expansion momentum by accelerating its touchpoint network growth across India. The company has expanded its network by 4 times from 1,052 touchpoints across 18 states in FY23 to 4,380 touchpoints across 22 states and union territories as of Q2 FY26.

Network Expansion and Customer Growth

The current touchpoint network comprises 402 branches, 2,585 distribution points, and 1,393 Business Correspondents (BCs), strengthening the company's grassroots presence to drive financial inclusion and expand access to affordable credit.

Financial Performance Highlights

Asset Quality and Operational Excellence

Despite rapid expansion, Paisalo Digital maintains strong asset quality metrics with Gross NPA at 0.81% and Net NPA at 0.65%. The company achieved a collection efficiency of 98.4% and maintains a robust Capital Adequacy Ratio of 38.2%.

Strategic Growth Initiatives

Speaking on the expansion, Santanu Agarwal, Deputy Managing Director of Paisalo Digital Limited, emphasized that expanding touchpoints and strengthening customer franchise are central to the company's growth strategy. The technology-enabled, high-touch model combines local presence with technology-led underwriting to improve credit accessibility and service quality across Bharat.

The company is actively investing in workforce capacity and prioritizing cross-selling of financial products through its Business Correspondent (BC) and branch networks to boost Banking as a Service (BaaS) share and drive long-term customer value. Additionally, USD 4.00 million from the company's USD 50.00 million FCCB issuance were converted into share capital, with the allotment of 74.06 lakh equity shares at a premium of ₹44.74 per share.

This continued expansion reinforces Paisalo Digital's operational scale and position as a trusted financial partner for micro-entrepreneurs, small business owners, and self-employed individuals, supporting India's financial inclusion agenda while delivering long-term stakeholder value.

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:

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.