Penny stock under Rs 50: Paisalo Digital updates on private placement of unsecured NCDs up to Rs 75 crore for 2-year at 8.45% and 3-year at 8.50%

DSIJ Intelligence-1 / 30 Oct 2025/ Categories: Penny Stocks, Trending

Penny stock under Rs 50: Paisalo Digital updates on private placement of unsecured NCDs up to Rs 75 crore for 2-year at 8.45% and 3-year at 8.50%

The stock is up by 34 per cent from its 52-week low of Rs 29.40 per share.

Paisalo Digital Limited has announced that its Operations and Finance Committee has approved the issuance of two tranches of Non-Convertible Debentures (NCDs) through a Private Placement on the Electronic Bidding Platform (EBP). Both issues are for an aggregate maximum size of up to Rs 75 crore each, which includes a base issue of Rs 25 crore and a Green Shoe Option to retain over-subscription of up to Rs 50 crore. Both sets of NCDs are unsecured, have a face value of Rs 1,00,000 per debenture, and are proposed to be listed on BSE Limited. The tentative allotment date for both is November 6, 2025.

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The first tranche of NCDs offers a coupon rate of 8.45 per cent, per annum for a tenure of two years, with redemption scheduled at the end of the second year from the allotment date. The second tranche offers a slightly higher coupon of 8.50 per cent, per annum for a three-year tenure, with redemption at the end of the third year. In both cases, the coupon is payable annually, and the debentures will be redeemed at par on their respective maturity dates. Notably, in the event of a delay or default in payment of the interest or principal, a penal interest of the Coupon rate plus 2 per cent, per annum will be applicable.

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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 by 34 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.