Paisalo Digital Results Updates: Robust AUM Growth of 16% YoY to Rs 55,082 Million

Paisalo Digital reported a strong financial performance for the quarter ended December 31, 2025, characterised by its highest-ever quarterly Profit After Tax (PAT) of Rs 663 million, a 6 per cent year-on-year increase. The company's Assets Under Management (AUM) grew by 16 per cent to Rs 55,082 million, supported by a 7 per cent rise in disbursements totalling Rs 10,574 million. This growth was bolstered by a significant expansion of its distribution network, which added 492 new touchpoints to reach a total of 4,872 across 22 states, while the customer franchise reached a record 14 million individuals.

The firm maintained a healthy balance sheet with stable asset quality, reporting a Gross NPA of 0.83 per cent and a Net NPA of 0.66 per cent, alongside a high collection efficiency of 98.8 per cent. On the liability side, Paisalo successfully optimised its borrowing costs, which dropped 92 basis points to 10.3 per cent. Financial stability remains a core strength, evidenced by a robust Capital Adequacy Ratio of 38.3 per cent and an 18 per cent growth in Net Worth to Rs 17,404 million. These metrics reflect a disciplined approach to scaling operations while navigating a favourable macro-economic environment influenced by supportive policies in the Union Budget 2026.

Looking toward the future, Paisalo is transitioning into an AI-first franchise by embedding artificial intelligence across its lending, risk management, and operational frameworks. This digital transformation aims to integrate advanced data ecosystems and automated workflows to enhance customer journeys and drive sustainable growth. By aligning its strategy with the expanding MSME sector and leveraging improved access to growth capital, the company is positioning its platform to remain competitive and future-ready within the evolving Indian financial landscape.

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 4,872 touch points 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. This integration of High Tech: High Touch, 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 by 25 per cent from its 52-week low of Rs 29.40 per share. The company has a market cap of Rs 3,200 crore and as of December 2025, SBI Life Insurance Co. Ltd. owned a 6.83 per cent stake. The Promoters Bought 53,71,434 shares and increased their stake to 41.75 per cent in December 2025 compared to September 2025.

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