Paisalo Digital Limited has informed the Exchange about Investor Presentation
PAISALO · price
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Paisalo Digital reported its highest-ever quarterly performance for Q4 FY2026 with AUM of Rs 61,009 million (up 17% YoY) and PAT of Rs 722 million (up 56% YoY). Total income grew 35% YoY to Rs 2,609 million, while Net Interest Income jumped 61% YoY to Rs 1,733 million. The company expanded its customer franchise to ~16 million customers across 5,299 touchpoints in 22 states. Asset quality improved with GNPA at 0.76% and NNPA at 0.61%, down approximately 23 bps and 15 bps YoY respectively. The company achieved a dual AA/Stable credit rating and closed its maiden ECB issuance of USD 15 million. Technology-led efficiencies are showing early results with headcount declining 3% despite AUM growth.
The strong operational metrics with improving margins (NIM up 43 bps to 6.8%) and declining borrowing costs (down 33 bps to 10.2%) signal continued profitability improvement. The three-year roadmap targeting 2x AUM, Income, and PAT growth provides clear multi-year visibility. Positive credit rating upgrade and international funding access strengthen the liability franchise.