Paisalo Digital Reports 20% YoY AUM Growth to Rs 54,494 Mn in Q2 Results

Paisalo Digital , a digitally-enabled NBFC with over three decades of experience in lending to underserved segments, has reported significant growth in its quarterly results. The company's financial performance shows robust expansion across various metrics.

Key Financial Highlights

Metric	Performance
Assets Under Management (AUM)	Grew 20% YoY to Rs 54,494.00 million
Total Income	Increased 20% YoY to Rs 2,240.00 million
Disbursements	Surged 41% YoY to Rs 11,025.00 million
Net Interest Income	Rose 15% YoY to Rs 1,262.00 million
Profit After Tax	Grew 3% YoY to Rs 515.00 million
Net Worth	Increased 19% YoY to Rs 16,799.00 million

Asset Quality and Operational Metrics

Gross NPA: Maintained at 0.81%
Net NPA: Stood at 0.65%
Customer Base: Expanded to a record 13 million, with 1.8 million new customers added during the quarter
Collection Efficiency: Achieved 98.4%
Capital Adequacy Ratio: Strong at 38.2%
Geographic Footprint: Expanded to 4,380 touchpoints across 22 states

Other Developments

USD 4.00 million from the company's USD 50.00 million FCCB issuance were converted into share capital in September 2025
The company allotted 74.06 lakh equity shares at a premium of Rs 44.74 per share upon conversion of Foreign Currency Convertible Bonds

Paisalo Digital's strong performance in AUM growth, disbursements, and customer acquisition demonstrates its continued focus on digital lending and serving underserved segments. The company's stable asset quality and robust capital adequacy ratio position it well for sustained growth in the coming quarters.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+0.36%	-8.72%	-11.59%	-4.10%	-19.53%	+63.93%

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.