Paisalo Digital Limited (ISIN: INE420C01059) has reported strong financial results for the second quarter of fiscal year 2026, demonstrating resilient growth and operational efficiency in the face of market challenges.

Key Financial Highlights

• Assets Under Management (AUM): Reached INR 54,494.00 million, marking a 20% year-on-year growth
• Disbursements: Increased by 41% year-on-year to INR 11,025.00 million
• Total Income: Rose to INR 2,240.00 million, up 20% from the previous year
• Net Interest Income (NII): Grew by 15% year-on-year to INR 1,262.00 million
• Profit After Tax (PAT): Reached INR 515.00 million, reflecting a 3% year-on-year growth

Operational Performance

Paisalo Digital has shown impressive operational metrics, indicating strong market positioning and efficient risk management:

• Collection Efficiency: Maintained at 98.40%
• Gross NPA: Contained at 0.81%
• Net NPA: Held at 0.65%
• Capital Adequacy Ratio (CAR): Stood at 38.20%

Expansion and Innovation

The company has made significant strides in expanding its reach and enhancing its technological capabilities:

• Added 383 new touchpoints in Q2 FY26, bringing the total to:
  • 402 branches
  • 2,585 distribution points
  • 1,393 business correspondent points
• Implemented an AI-based calling system, automating approximately 350,000 calls daily for loan recovery and borrower communication

Product Diversification

Paisalo Digital has completed pilot programs for several new products, including:

• Loan against property
• Tractor financing
• Medical equipment financing
• General equipment lending

These initiatives are aimed at diversifying the company's product portfolio and tapping into new market segments.

Management Commentary

Santanu Agarwal, Deputy Managing Director, stated, "We remain deeply committed to driving sustainable and inclusive growth by harnessing the power of technology, expanding our reach to underserved communities, and maintaining rigorous risk management."

Outlook

Despite some regional challenges, particularly in Bihar due to ongoing elections, Paisalo Digital maintains a positive outlook:

• Expects to normalize any temporary stress in the upcoming quarters
• Aims to maintain the guided Net Interest Margin (NIM) of 6.50% for the full year
• Targets to continue the 20% CAGR in AUM growth, potentially doubling AUM in the next 3 years

Paisalo Digital's strong Q2 FY26 performance, coupled with its strategic initiatives in technology and product diversification, positions the company well for sustained growth in India's evolving financial services landscape.

Paisalo Digital Limited , a prominent player in the digital lending space, has reported a significant change in its shareholding structure. Equilibrated Venture Ceflow (P) Ltd., a promoter group entity, has increased its stake in the company through a recent acquisition of shares.

Key Details of the Transaction

• Acquisition Date: November 13, 2025
• Shares Acquired: 43,94,034 equity shares
• Acquisition Method: Open market transactions
• Share Face Value: Re. 1 each

Shareholding Impact

The acquisition has resulted in a 0.32 percentage point increase in Equilibrated Venture Ceflow's stake in Paisalo Digital Limited.

Company Overview

Paisalo Digital Limited's total equity share capital remains unchanged at Rs. 90,95,21,874, divided into 90,95,21,874 equity shares of Re. 1 each. The company operates in the financial services sector, focusing on digital lending solutions.

Regulatory Compliance

This disclosure was made in compliance with SEBI regulations concerning substantial acquisition of shares. Such transparency is crucial for maintaining market integrity and keeping shareholders informed about significant changes in ownership structure.

Market Implications

While the immediate market reaction to this shareholding change may vary, it's worth noting that promoter group increases in shareholding are often viewed positively by investors. It may be interpreted as a sign of confidence in the company's future prospects.

Recent Financial Performance

Paisalo Digital recently reported its Q2 FY 2026 results:

• Assets Under Management (AUM): ₹54,494 million, up 20% year-over-year
• Net Non-Performing Assets (NNPA): 0.65%
• Profit After Tax (PAT): ₹515 million, a 3% year-over-year growth

These figures provide context to the company's current financial standing and recent performance.