Paisalo Digital , a leading digitally-enabled NBFC, has announced its financial results for the quarter ended September 30, showcasing robust growth and operational resilience.

Key Financial Highlights

• Assets Under Management (AUM) grew by 20% year-over-year to Rs 54,494.00 million
• Disbursements surged 41% YoY to Rs 11,025.00 million
• Total income increased by 20% YoY to Rs 2,240.00 million
• Net Interest Income rose by 15% YoY to Rs 1,262.00 million
• Profit After Tax (PAT) grew by 3% YoY to Rs 515.00 million

Operational Performance

Paisalo Digital continued to expand its reach and customer base during the quarter:

• Customer franchise expanded to approximately 13 million, with the addition of 1.8 million customers
• Total touchpoints increased to 4,380 across 22 states, comprising 402 branches, 2,585 distribution points, and 1,393 Business Correspondents
• Collection efficiency remained strong at 98.4%

Asset Quality and Capital Adequacy

The company maintained robust asset quality metrics:

• Gross Non-Performing Assets (GNPA) stood at 0.81%, down from 0.86% in the same quarter of the previous year
• Net Non-Performing Assets (NNPA) were at 0.65%, slightly up from 0.61% in the same period last year
• Capital Adequacy Ratio remained strong at 38.2%, with Tier 1 capital at 30.3%

Strategic Developments

Paisalo Digital made significant strides in strengthening its capital structure:

• Converted USD 4.00 million of its USD 50.00 million Foreign Currency Convertible Bonds (FCCBs) into share capital
• Expanded paid-up equity capital from Rs 90.21 crore to Rs 90.95 crore
• Promoters increased their stake to 41.2%, up by 4.1%, signaling strong long-term commitment

Management Commentary

Mr. Santanu Agarwal, Deputy Managing Director of Paisalo Digital Ltd, commented on the results: "Q2 demonstrated disciplined growth and consistent execution. Our customer base surpassed the significant milestone of ~13 million, with nearly 1.8 million new customers added during the quarter, underscoring the strong traction of our inclusive last-mile credit model. With a reinforced balance sheet and a scalable omnichannel platform, Paisalo is well-positioned for sustainable growth and to expand equitable credit access in the quarters ahead."

Outlook

Paisalo Digital's focus on technology-driven financial inclusion, coupled with its expanding geographic footprint and robust asset quality, positions the company for continued growth. The strategic conversion of FCCBs and increased promoter stake further strengthen the company's capital base, supporting its expansion plans in the underserved and emerging MSME/SME segments.

As Paisalo Digital continues to leverage its high-tech, high-touch approach, it remains well-placed to capitalize on the growing demand for accessible financial services across India's diverse economic landscape.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Investors should conduct their own research and consult with financial advisors before making investment decisions.

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.