Penny stock under Rs 50: Paisalo Digital Allots 7,000 Rated, Listed, Senior, Unsecured, Redeemable, Taxable, Transferable NCDs at 8.45%

Paisalo Digital Limited, through its Operations and Finance Committee, has successfully allotted two tranches of Non-Convertible Debentures (NCDs) via private placement on November 06, 2025. The first tranche consists of 5,500 NCDs with a face value of Rupees One Lakh each. These debentures carry an annual coupon/interest rate of 8.45 per cent and have a tenure of 2 years, with the principal due as a one-time payment on the maturity date of November 06, 2027. The second tranche comprises 2,500 NCDs, also with a face value of Rupees One Lakh each, but offering a slightly higher annual coupon of 8.50 per cent and a 3-year tenure, maturing on November 06, 2028.

Both sets of NCDs are Rated, Listed, Senior, Unsecured, Redeemable, Taxable, and Transferable, with interest paid annually. Notably, both instruments stipulate a penalty for delayed payments: if the principal or interest payment is delayed for more than three months from the due date, the penalty interest rate will be the original coupon rate plus 2.00% per annum. These allotments, made today, represent a strategic move by Paisalo Digital Limited to raise capital through the debt market, utilising these fixed-income securities.

About the Company

Paisalo Digital Limited focuses on providing accessible, small-ticket income generation loans to underserved populations across 22 states and UTs in India, leveraging a network of 3,997 touch points. Their mission is to be a trusted, high-tech and high-touch financial companion, using a customer-centric approach and data analytics to deliver tailored, scalable solutions while ensuring strong governance and regulatory compliance.

Paisalo Digital achieved a record-breaking performance in the quarter ending June 30, 2025, with its total income hitting an all-time high of Rs 218.7 crore, marking a 17 per cent year-over-year increase. The company's customer base expanded significantly, surpassing 1.1 crore by adding 15 lakh new customers in just one quarter. This growth was supported by strong operational metrics, including a 14 per cent rise in Assets Under Management (AUM) to Rs 5,230.2 crore and a 16 per cent increase in disbursements to Rs 758.1 crore.

Paisalo also maintained excellent asset quality, with a low Gross Non-Performing Asset (GNPA) ratio of 0.85 per cent and a strong Capital Adequacy Ratio of 39.5 per cent. To further its reach, the company opened 50 new branches and strengthened its partnership with SBI to improve credit access for MSMEs and SMEs across India. The stock is up over 30 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.