Transcript of Conference Call in respect of Financial Results for the quarter ended 31.03.2026

Paisalo Digital delivered its highest-ever quarterly profit after tax of Rs.722 million in Q4 FY26, up 56% year-on-year. AUM grew 17% YoY to Rs.61,009 million with disbursements of Rs.13,440 million. Total income rose 35% YoY to Rs.2,609 million while net interest income grew 61% to Rs.1,733 million. Asset quality improved with GNPA at 0.76% and NNPA at 0.61%, while collection efficiency stood at 98.5%. The company expanded its distribution network to 5,299 touchpoints across 22 states and crossed 16 million customers. Management reaffirmed its three-year guidance to double AUM, income, and net profit, while guiding to maintain NIM at approximately 6.5% going forward. The company completed compliance for SBI co-lending partnerships and added 6 new product segments including medical equipment, two-wheelers, and small commercial vehicles.