Paisalo Digital Limited has informed the Exchange regarding 'Investor Presentation for the quarter ended 30.06.2025'.
PAISALO · price
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Paisalo Digital reported its highest-ever quarterly total income of Rs 2,187 mn, up 17% YoY, while AUM grew 14% YoY to Rs 52,302 mn and disbursements rose 16% YoY to Rs 7,581 mn. Net Interest Income increased 20% YoY to Rs 1,244 mn and PAT grew 14% YoY to Rs 472 mn. Asset quality improved with GNPA at 0.85% (vs 0.99% YoY) and NNPA at 0.68%, supported by a 99.8% collection efficiency. The company added a record 50 branches in the quarter, taking the total network to 3,997 touchpoints across 22 states, and added ~1.5 mn customers to reach ~11 mn total. NIM expanded 31 bps YoY to 6.5% while cost of borrowing fell 161 bps YoY to 10.7%. The company also announced an expanded co-lending partnership with SBI for MSME/SME loans, expected to go live from Q4FY26.
Strong all-round performance with double-digit growth in income, AUM, and profits, along with improving asset quality and expanding distribution network, is positive for shareholders. Margin protection amid declining yields and the deepening SBI co-lending tie-up should support future growth, though ROE dipped slightly to 11.85%.