Paisalo Digital Limited has successfully completed a significant fundraising exercise, raising approximately ₹188.50 crore at an annual ROI of 8.50% through its latest listed issuances in Q3. The systematically important non-deposit taking NBFC, focused on inclusive lending, has demonstrated strong credit profile and disciplined risk management capabilities through this successful capital raise.

Strategic Fundraising Details

The capital raise showcases Paisalo Digital's robust balance-sheet strength and strong market positioning. The fundraising is strategically designed to meaningfully reduce the company's cost of funds while strengthening its medium-term capital base and enhancing overall lending capacity.

Expansion and Growth Strategy

The raised capital will serve multiple strategic objectives for Paisalo Digital's ambitious growth plans. The funds are earmarked to support the company's pan-India expansion across 22 states and Union Territories, significantly broadening its geographical footprint in the Indian market. The expansion strategy will deepen the company's High Tech-High Touch distribution model, leveraging its existing network of 4,380 touchpoints.

Product Development and Market Positioning

Paisalo Digital plans to accelerate the rollout of new lending products specifically aimed at micro-entrepreneurs, self-employed borrowers, and underserved income segments. This product diversification strategy positions the company to capture a larger share of India's formalising MSME and income-generation credit ecosystem. The development of new lending solutions demonstrates the company's commitment to serving India's underserved population.

Market Outlook and Competitive Advantage

The fundraising comes at a strategic time when NBFCs with strong governance and disciplined underwriting are expected to emerge as beneficiaries of evolving market dynamics. With its rapidly growing customer franchise and established distribution network, Paisalo Digital is well-positioned to capitalize on the expanding financial inclusion opportunities in India's tier-2 and tier-3 markets.

These developments not only strengthen Paisalo Digital's credit profile but also establish the foundation for faster, more diversified, and more profitable growth over the medium term, further solidifying its role as a leading financial enabler for India's underserved population.

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.