Small-cap NBFC company has approved the issuance of 5,000 NCDs aggregating to Rs 50,00,00,000
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As of June 2025, SBI Life Insurance Co. Ltd owns an 8.96 per cent stake and Life Insurance Corporation of India (LIC) owns a 1.12 per cent stake.
On Tuesday, shares of Paisalo Digital Ltd gained 0.80 per cent to Rs 31.34 per share from its previous closing of Rs 31.09 per share. The stock’s 52-week high is Rs 69.18 per share and its 52-week low is Rs 29.40 per share.
The Operations and Finance Committee of the Board of Directors of Paisalo Digital Limited, in their meeting held on Tuesday, August 5, 2025, has approved the issuance of Non-Convertible Debentures (NCDs) through a private placement via the Electronic Book Provider (EBP) Platform. The issue size is up to 5,000 NCDs, each with a face value of Rs 1,00,000, aggregating to a total of Rs 50,00,00,000 (Rupees Fifty Crores Only). This includes a base issue of Rs 25,00,00,000 with an option to retain over-subscription (Green Shoe Option) of up to an additional Rs 25,00,00,000. These debentures are proposed to be listed on the BSE Limited.
The NCDs will have a tenure of 36 months, with a tentative allotment date of August 8, 2025, and redemption at maturity. They will carry a coupon interest rate of 9.75 per cent, per annum, payable quarterly, with principal redemption at maturity. The NCDs will be secured by a first-ranking pari-passu charge on loan receivables, ensuring the security value is maintained at 1.10 times the aggregate principal outstanding. In case of any delay or default in interest or principal payments, an additional 2 per cent interest per annum will be charged.
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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 has reported its highest-ever total income for the quarter ended June 30, 2025, reaching Rs 218.7 crore, a 17 per cent year-over-year increase. This financial milestone coincides with the company surpassing 1.1 crore customers, adding approximately 15 lakh new customers in a single quarter, which underscores its leadership in inclusive growth. Key highlights from the quarter include a 14 per cent YoY growth in Asset Under Management (AUM) to Rs 5,230.2 crore, a 16 per cent YoY increase in disbursements to Rs 758.1 crore and a 20 per cent rise in Net Interest Income to Rs 124.4 crore. The company also maintained strong asset quality with GNPA and NNPA at 0.85 per cent and 0.68 per cent, respectively and a robust Capital Adequacy Ratio of 39.5 per cent. Paisalo Digital further expanded its reach by adding 50 new branches, bringing its total to 401 and deepened its co-lending partnership with SBI to enhance credit delivery for MSME and SME loans across India.
The stock is up by 6.84 per cent from its 52-week low of Rs 29.40 per share. As of June 2025, SBI Life Insurance Co. Ltd owns an 8.96 per cent stake and Life Insurance Corporation of India (LIC) owns a 1.12 per cent stake.
Disclaimer: The article is for informational purposes only and not investment advice.