Paisalo Digital Allotted 3,000 Secured NCDs of Rs 1 Lakh Each, Aggregating to Rs 30 Crore at 8.45% Per Annum

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Paisalo Digital Allotted 3,000 Secured NCDs of Rs 1 Lakh Each, Aggregating to Rs 30 Crore at 8.45% Per Annum

The company has a market cap of Rs 3,300 crore, and as of September 2025, SBI Life Insurance Co. Ltd. owned a 6.83 per cent stake.

Paisalo Digital Limited has allotted 3,000 Fully Paid, Rated, Listed, Senior, Secured, Redeemable, Taxable, Transferable, Non-Convertible Debentures (NCDs) through a Private Placement. Each NCD has a face value of Rupees One Lakh, a tenure of 24 months, and offers an annual coupon/interest rate of 8.45 per cent P.A. The NCDs are secured by a first-ranking exclusive charge on loan receivables, maintained at a value of 1.10 times the principal outstanding. The principal amount will be redeemed at par on the maturity date, December 15, 2027, with a default penalty of an additional 2.00% per annum on the coupon rate for delays exceeding three months.

Additionally, the company has significantly upgraded its credit risk management by launching an advanced AI-powered customer profiling and fraud detection framework alongside a GenAI-based automated calling system for loan recovery. This new technology is designed to enhance underwriting accuracy and mitigate fraud by assessing every customer, guarantor, and co-borrower as a distinct financial identity, detecting duplicates, monitoring cumulative exposures, and flagging high-risk patterns. The framework will be integrated across secured and unsecured lending verticals, using dynamic customer scoring based on parameters like repayment behaviour, income stability, and Bank transactions, enabling more reliable, tailored lending decisions for underserved customers across semi-urban and rural India while ensuring financial inclusion goals are met in India's evolving digital financial landscape.

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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.

Paisalo Digital Limited reported a strong financial quarter ending September 30, 2025, with Assets Under Management (AUM) growing 20 per cent year-over-year (YoY) to Rs 5,449.40 crore, driven by a 41 per cent YoY increase in disbursements to Rs 1,102.50 crore. Total Income rose 20 per cent YoY to Rs 224 crore, complemented by a stable and healthy asset quality with Gross NPA at a low 0.81 per cent and strong collection efficiency of 98 per cent. The company's expansion efforts increased its reach to 4,380 touchpoints across 22 states. They expanded their customer base by 1.8 million during the quarter, while maintaining a robust financial position with a Capital Adequacy Ratio of 38 per cent and a 19 per cent YoY growth in Net Worth to Rs 1,679.90 crore.

The stock is up by 26 per cent from its 52-week low of Rs 29.40 per share. The company has a market cap of Rs 3,300 crore, and as of September 2025, SBI Life Insurance Co. Ltd. owned a 6.83 per cent stake.

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