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NSE:PAISALO

PAISALO DIGITAL LIMITED

Financial Services › Finance·NIFTY MICROCAP 250NIFTY TOTAL MARKET
₹78.88
at close · 28 Oct 2026
▲ 1.17 (+1.51%)

Latest filings

  1. Promoter entity pledges 1.04 crore Paisalo shares to Jio Credit for loan collateral · Ownership Changes
  2. Promoter entity pledges 1.10% of Paisalo Digital shares · Ownership Changes
  3. Paisalo Q2 profit rises 27%, net interest margin seen near 6% · Investor Communications
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Operates as a non-banking financial company (NBFC) that lends primarily to micro, small and medium enterprises (MSMEs) and underserved households in India's Tier-3, 4 and 5 geographies. Earns revenue principally through interest on its loan book; assets under management stood at Rs 61,009 million in FY26, up 17% year-on-year. The lending franchise is delivered through a 5,299-touchpoint distribution network across 22 states, comprising 422 branches, 3,381 distribution points and 1,496 business correspondents, serving approximately 16 million customers. Net interest margin was 6.83% in FY26 and net interest income reached Rs 5,694 million (up 29% YoY); total income was Rs 9,437 million and profit after tax was Rs 2,372 million. In Q4 FY26, six new product segments were launched — medical, industrial, Agri-equipment, two-wheeler, small commercial vehicles and alternative-fuel financing — alongside roughly 18–20 partnerships. AI is embedded across loan origination, underwriting, servicing, collections and portfolio monitoring, processing around 1.6 lakh loan applications in Q4 alone. Funding is raised through bank borrowings, secured redeemable non-convertible debentures (a Rs 900 crore shelf public issue is in process, with Tranche I of up to Rs 300 crore), commercial paper and a maiden USD 15 million external commercial borrowing; the average cost of borrowing was 10.2% in FY26.

Operating scale
Distribution network
5,299 touchpoints across 22 states (422 branches, 3,381 distribution points, 1,496 business correspondents)Q4 FY26
Customer franchise
~16 million customersFY26
Net interest margin
6.83%FY26
Collection efficiency
98.5%FY26
Asset quality
GNPA 0.76%, NNPA 0.61%FY26
Capital adequacy ratio
35.8% (debt-to-equity 2.43x)FY26
Who pays it
Micro, small and medium enterprises (MSMEs) and underserved households in Tier-3, 4 and 5 Indian geographies, across lending categories including medical, industrial, agri-equipment, two-wheeler, small commercial vehicle and alternative-fuel financing.
Biggest cost
Cost of borrowed funds, with average cost of borrowing at 10.2% in FY26; funding sourced from bank borrowings, secured NCDs, commercial paper and a USD 15 million ECB.
Kind of business
Capital-intensive NBFC lending to MSMEs and underserved borrowers across India; spread-driven earnings with asset quality and cost of borrowing as the key operating levers.
Where it sits
Operates an NBFC lending model focused on financial inclusion in Tier-3 to Tier-5 India, holding an AA stable rating and serving roughly 16 million customers through a 22-state distribution network.
Market Cap
₹7,175 Cr
P / E (TTM)
24.0×
EV / EBITDA
—
Div Yield
0.13%
Growth
22.2%▲
Revenue 5y CAGR
PAT +31.1% · EBITDA +23.4%
Quality
—·
ROCE (FY26)
ROE 13.0% (5y median) · margin 74.7%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
2.7×▲
Margin +7.4 pts
₹346 Cr → ₹944 Cr
Moves on a normal day
1.36%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#115/200
P/B#227/253
ROE#28/257
EBITDA margin#60/249
Revenue growth#99/231
Profit growth#100/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Revenue compounding 22% a year over 5 years
Profit compounding 31% a year over 5 years
Profit grew in every one of the last 5 years
Concerns
EPS grew slower than profit — the share count rose (bonus or dilution)

Charts

How has the market priced it — with filings on the timeline?

PAISALO · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from PAISALO DIGITAL LIMITED's filed financials and exchange disclosures

What does PAISALO DIGITAL LIMITED do?

PAISALO DIGITAL LIMITED is a Finance company listed on NSE and BSE, trading under the symbol PAISALO.

Is PAISALO DIGITAL LIMITED profitable?

Yes. Over the trailing twelve months PAISALO DIGITAL LIMITED reported a net profit of ₹299 Cr on revenue of ₹1,204 Cr.

Does PAISALO DIGITAL LIMITED pay a dividend?

Yes. The dividend yield is 0.13% at the current price. It paid out 4% of its profit as dividend in FY26.

Is PAISALO DIGITAL LIMITED expensive compared with its peers?

On trailing P/E, PAISALO DIGITAL LIMITED ranks 115 of 200 in Non Banking Financial Company (NBFC) — cheaper than 42% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the PAISALO DIGITAL LIMITED share price move in a day?

On a typical session PAISALO DIGITAL LIMITED moves 1.36% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

Where can I track PAISALO DIGITAL LIMITED's announcements?

Every NSE and BSE filing by PAISALO DIGITAL LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.