This NBFC company accelerated its expansion with a 4x jump in touchpoints across India in the past 3 years
DSIJ Intelligence-1Categories: Mindshare, Trending
The company has a market cap of Rs 3,200 crore, and as of September 2025, SBI Life Insurance Co. Ltd. owned a 6.83 per cent stake.
Paisalo Digital Limited is aggressively scaling its physical and digital presence to advance its long-term strategy of financial inclusion across India. Between FY23 and Q2FY26, the company expanded its network by approximately four times, growing from 1,052 to 4,380 touchpoints across 22 states and union territories. This extensive infrastructure, which includes 402 branches, 2,585 distribution points, and 1,393 Business Correspondents, has enabled the company to increase its customer base more than six-fold, reaching approximately 13 million individuals in the first half of FY26.
This rapid expansion has translated into significant financial momentum, with Assets Under Management (AUM) reaching a record Rs 54,494 million. The company achieved a 25 per cent Compound Annual Growth Rate (CAGR) over the last three years, bolstered by a record-high quarterly disbursement of Rs 11,025 million in Q2FY26. Despite this fast-paced growth, Paisalo has maintained high asset quality through a technology-enabled model, reporting a strong collection efficiency of 98.4 per cent and keeping Gross Non-Performing Assets (GNPA) at a controlled 0.81 per cent.
To sustain this trajectory, Paisalo is investing heavily in human capital and operational efficiency, growing its workforce to 3,255 employees and leveraging digital training platforms. The company is also focusing on increasing its Banking as a Service (BaaS) share by cross-selling financial products through its existing branch and Business Correspondent networks. By prioritising last-mile connectivity and disciplined growth, Paisalo aims to solidify its position as a trusted partner for micro-entrepreneurs and small business owners while supporting India's broader financial inclusion goals.
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.
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 3,200 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.