Penny stock under Rs 50: Paisalo Digital Ltd to meet on December 09 to allot NCDs and to raise funds via NCDs

Paisalo Digital Limited informed that the meeting of the operations and finance committee of the board of directors of the company is scheduled to be held on December 9, 2025 to consider and approve inter alia:

1. Allotment of non-convertible debentures through a private placement basis.
2. The fundraising proposal is by way of the issuance of non-convertible debentures on a private placement basis.

The sustained and deliberate increase in the promoter group's shareholding in Paisalo is a robust signal of their unwavering conviction in the company's long-term growth and core fundamentals. This commitment has been demonstrated consistently through open-market acquisitions, strategically boosting their stake from approximately 26 per cent in FY19 to 37 per cent in FY25, and further to 41.75 per cent in the current fiscal year. This escalating ownership acts as a powerful internal endorsement, reinforcing their deep alignment with Paisalo's strategic vision—driving responsible, tech-enabled credit delivery to crucial segments like MSMEs and micro-enterprises across Bharat—and firmly supports the company's robust business model and strong execution capabilities.

About the Company

Paisalo Digital Limited is engaged in the business of providing convenient and easy loans to the financially excluded at the bottom of India's economic pyramid. The company has a wide geographic reach, with a network of 4,380 touchpoints across 22 states & UTs in India. The company’s mission is to simplify small-ticket size income generation loans by establishing ourselves as a trusted, high-tech, high-touch financial companion for the people of India.

The company reported strong financial growth for the quarter ending September 30, 2025. The company's Assets Under Management (AUM) demonstrated robust growth, increasing 20 per cent year-over-year (YoY) to Rs 5,449.40 crore. This growth was supported by a significant increase in disbursements of 41 per cent YoY to Rs 1,102.50 crore. Overall, the company's Total Income grew by 20 per cent YoY to Rs 224 crore, with Net Interest Income (NII) rising by 15 per cent YoY to Rs 126.20 crore. The expansion efforts are evident in the increased geographical reach, which grew to 4,380 touchpoints across 22 states, and the customer franchise expanded to a record of approximately 13 million, adding about 1.8 million customers during the quarter. The company also saw USD 4 million of its maiden $50 Mn Foreign Currency Convertible Bond (FCCB) converted into share capital during the quarter.

The company maintained a stable and healthy asset quality, with Gross Non-Performing Assets (GNPA) standing at a low 0.81 per cent and Net Non-Performing Assets (NNPA) at 0.65 per cent. This stable asset quality is complemented by a strong collection efficiency of 98.4 per cent for the quarter. Furthermore, Paisalo Digital's financial position remains robust, highlighted by a Capital Adequacy Ratio of 38.2 per cent (with Tier 1 capital at 30.3 per cent), which significantly exceeds regulatory requirements. The Net Worth also saw a substantial increase, growing 19 per cent YoY to Rs 1,679.90 crore. These results underscore Paisalo Digital's effective strategy in leveraging its digital capabilities and three decades of experience to achieve sustainable, high-growth lending to the financially excluded while maintaining strict control over asset quality and capital strength.

This integration of High Tech: High Touch, a customer-centric approach, and data analytics empowers Paisalo to deliver tailored, scalable solutions while minimising risks and maintaining the highest standards of governance and regulatory adherence. The stock is up 25 per cent from its 52-week low of Rs 29.40 per share. As of September 2025, SBI Life Insurance Co. Ltd owns a 6.83 per cent stake.

Disclaimer: The article is for informational purposes only and not investment advice.