Paisalo Digital Approves Rs 100 Crore Fundraising via NCDs

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Paisalo Digital Approves Rs 100 Crore Fundraising via NCDs

Paisalo Digital plans to raise funds via 9.25% secured debentures with a 30-month tenure through private placement.

 

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Share price of Paisalo Digital Limited is in focus after the company announced a fund-raising plan through the issuance of Non-Convertible Debentures (NCDs). The stock has recorded a 52-week high of Rs 41.70 on 18 September 2025 and a 52-week low of Rs 29.38 on 20 June 2025.

Debenture Issue Details (Paisalo Digital)

Paisalo Digital’s Operations and Finance Committee has approved the issuance of 9.25% secured Non-Convertible Debentures (NCDs) through private placement via the Electronic Book Provider (EBP) platform, with each debenture having a face value of Rs 10,000 and a total of up to 1,00,000 NCDs proposed.

The issue comprises a base size of Rs 50 crore with a green shoe option of Rs 50 crore, taking the total issue size to up to Rs 100 crore, with a 30-month tenure, 9.25% annual coupon payable monthly, tentative allotment on March 18, 2026, redemption at par on maturity, secured by loan receivables and proposed to be listed on BSE.

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What Are Non-Convertible Debentures (NCDs)?

A fixed-income debt instrument issued by a company to raise funds from investors is known as a Non-Convertible Debenture (NCD). The company pays a fixed rate of interest in exchange for funds and returns the principal amount at maturity.

About the Company

Paisalo Digital Ltd was incorporated in 1992 and operates as a Non-Deposit Taking Non-Banking Financial Company (NBFC-ND). The company primarily focuses on providing small-ticket loans and financial services, particularly catering to underserved and rural segments through its lending network. Paisalo Digital mainly offers retail loans, SME financing, and income-generation loans, working through partnerships and distribution networks to expand financial inclusion.

Paisalo Digital Ltd has a market capitalisation of around Rs 2,977 crore. The company reports a return on capital employed (ROCE) of about 13.1 per cent and a return on equity (ROE) of around 13.9 per cent. Over the past five years, the company has delivered profit growth at a CAGR of approximately 29.8 per cent.

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