Paisalo Q1 FY27: Faster disbursals, stable asset quality, and an AI-led operating model

As of Q1 FY27, the company reported AUM of INR 67,074 million, disbursements of INR 17,309 million, customer franchise of about 18 million, and 5,995 touchpoints across 23 states.

The company reported total income of INR 2,603 million and PAT of INR 613 million in Q1 FY27, with ROA of 3.6 percent and ROE of 13.4 percent.

As of June 30, 2026, Paisalo reported GNPA of 0.70 percent and NNPA of 0.49 percent, with collection efficiency of 97.5 percent for the quarter.

Total borrowings were INR 48,467 million, debt to equity was 2.61x, and capital adequacy was reported at 33.1 percent. Cost of borrowing was 10.1 percent.

Management articulated a three-year ambition to approximately double AUM, income and profitability, targeting around 25 to 30 percent CAGR, while maintaining asset quality at sub 2 percent through cycles.

Management stated AI is embedded across the lending lifecycle, with about 180,000 onboarding applications processed per quarter, about 200,000 AI-driven outbound calls per day, and 18 live AI bots, aimed at improving productivity and operating leverage.

Management said the SBI co-lending tie-up remained at status quo and they were awaiting bank-side compliance completion, resulting in slow disbursements on that partnership.