Paisalo Digital Limited has announced a significant expansion of its business ecosystem through strengthened partnerships across multiple high-impact sectors. The non-banking finance company (NBFC), focused on inclusive lending, is rapidly broadening product accessibility for micro-entrepreneurs, self-employed individuals and small businesses across both urban and rural markets.

Healthcare and Education Equipment Partnerships

The company has strengthened access to essential infrastructure in healthcare and education through strategic collaborations. Key partnerships have been established with several entities to enable clinics, diagnostic centres, and educational institutions to upgrade critical equipment with structured credit support.

Agriculture Sector Expansion

Paisalo Digital has significantly strengthened its agriculture portfolio through collaborations with leading farm equipment providers. These partnerships promote mechanization and productivity for farmers and agri-entrepreneurs across India.

Industrial Equipment and Solar Energy Initiatives

In the industrial equipment sector, the company has partnered with established manufacturers to offer financing solutions that help MSMEs scale operations efficiently. The partnerships include collaborations with Kubota, Maks Genset, and Rishabh (Tata Genset).

The renewable energy footprint has expanded through collaborations with solar providers such as Loom Solar and UTL, supporting adoption of sustainable power solutions among small businesses and rural enterprises.

Alternative Fuel-Based Mobility Ecosystem

Paisalo Digital has significantly enhanced its alternative fuel-based mobility (ABF) ecosystem through key partnerships supporting cleaner and more efficient mobility solutions for last-mile operators. The comprehensive network includes:

• Piaggio Vehicles Pvt Ltd
• Mahindra Last Mile Mobility
• TVS Motor Company Ltd
• Montra
• Saera Electric Auto Pvt Ltd
• J.S Auto Pvt Ltd
• Baxy Ltd
• Eka Mobility

Strategic Vision and Market Impact

Santanu Agarwal, Deputy Managing Director, Paisalo Digital Limited, commented on the development: "As we expand our touchpoint network, strengthening our partner ecosystem is a natural extension of our mission. By broadening collaborations across healthcare, agriculture, clean energy, industrial equipment and mobility, we are ensuring that credit reaches sectors that directly impact livelihoods, productivity and sustainability. Our focus remains on building long-term partnerships that support inclusive growth across India."

The growing network of collaborations reflects Paisalo Digital's strategic focus on enabling access to affordable, purpose-driven credit that supports livelihood creation and economic self-reliance. With a steadily growing portfolio of sector-specific partnerships, the company continues to reinforce its commitment to financial inclusion by tailoring credit solutions to meet real-world economic needs.

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.