Investor Presentation for the quarter ended 31.03.2026
PAISALO · price
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Paisalo Digital reported its highest-ever quarterly performance for Q4 FY2026 with AUM growing 17% YoY to Rs 61,009 mn. Total income jumped 35% YoY to Rs 2,609 mn, while PAT reached a record Rs 722 mn (up 56% YoY). Net Interest Income surged 61% to Rs 1,733 mn driven by improved NIM of 6.8%. The company expanded its customer franchise to 16 million across 5,299 touchpoints in 22 states. Asset quality improved with GNPA at 0.76% and NNPA at 0.61%. Key highlights include securing dual AA/Stable rating, maiden ECB issuance of USD 15 million, and strong AI-led efficiency gains with 3% reduction in headcount despite expansion.
Strong quarterly results with margin expansion and improving asset quality signal solid execution. The AA credit rating upgrade and international ECB access should reduce cost of funds, while AI-driven efficiency gains provide operating leverage for sustained profitability growth.