Paisalo Digital , a systemically important non-deposit taking NBFC, has unveiled an advanced AI-powered customer profiling and fraud detection framework to strengthen its credit risk management ecosystem on December 11, 2025. The new system is designed to enhance underwriting accuracy, mitigate fraud and enable more reliable lending decisions for underserved customers across semi-urban and rural India.

Advanced AI-Driven Assessment Framework

Under the new system, every customer, guarantor and co-borrower is assessed as a distinct financial identity. The AI engine detects duplicate identities, monitors cumulative exposure limits and flags high-risk patterns. This approach provides greater transparency into borrower histories and helps prevent overlapping liabilities that could otherwise compromise repayment capacity or signal concerns about loan intent.

Integration with GenAI Technology

The framework comes alongside the rollout of Paisalo Digital's GenAI-based calling system, an automated platform that enhances the loan recovery process and borrower communication. The system will be integrated across Paisalo Digital's secured and unsecured lending verticals, including:

• Micro Loan Against Property (MicroLAP)
• Income Generation Loans
• MSME financing

Dynamic Customer Scoring Capabilities

The technology enables dynamic customer scoring by analysing multiple data parameters, including repayment behaviour, asset ownership, demographic attributes, income stability, bank transactions and collateral linkages. This approach enables tailored lending decisions without compromising financial inclusion goals.

Management Commentary

Commenting on the initiative, Santanu Agarwal, Deputy Managing Director, Paisalo Digital, said, "AI-driven risk assessment is not just a technological milestone for us, it reinforces the foundation of responsible lending. By treating each customer, guarantor and co-borrower as a distinct identity, our system ensures fairness in decision-making, transparency in evaluation and early detection of risky patterns. It reflects our commitment to strong governance and prepares us for the next era of digital credit, where intelligence and accuracy will define industry leadership."

Market Context and Strategic Positioning

The launch comes at a time when India's financial services landscape is rapidly evolving, and digital risk-assessment tools are becoming indispensable for secure and scalable lending. With growing demand for secured and small-ticket credit, robust fraud-prevention mechanisms are crucial to sustaining long-term growth and maintaining customer trust.

Paisalo Digital Limited has successfully made the scheduled interest payment on its outstanding Foreign Currency Convertible Bonds (FCCBs) on December 10, 2025. The company informed both stock exchanges about this timely payment in compliance with regulatory requirements.

FCCB Interest Payment Details

The interest payment pertains to the company's outstanding FCCBs with specific financial parameters:

Regulatory Compliance

Paisalo Digital Limited has fulfilled its disclosure obligations under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company formally notified both BSE Limited and National Stock Exchange of India Limited about the interest payment through official communication.

The notification was signed by Manendra Singh, Company Secretary of Paisalo Digital Limited, confirming the company's adherence to its debt servicing schedule. This timely payment reflects the company's commitment to meeting its financial obligations as per the agreed terms and conditions of the FCCBs.

About the Communication

The official intimation was addressed to the listing departments of both major Indian stock exchanges. The company requested the exchanges to take the interest payment information on record, ensuring transparency and proper documentation of this significant financial transaction for stakeholders and investors.