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Discovery themes featuring this stockPaisalo Digital Ltd (PAISALO) is currently trading at 32.24 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Paisalo Digital Limited is a systemically important NBFC focused on inclusive lending to MSMEs, small businesses and income-generation borrowers across India, offering product lines such as small income generation loans, SME/MSME loans and specialized asset finance with a 33-year legacy and AUM of Rs. 55,082 million as of Q3 FY2026. Management has made AI the company’s strategic core, aiming to double AUM, income and PAT over three years by embedding AI across sourcing, underwriting, collections and a proprietary dynamic business rule engine; Paisalo runs large-scale GenAI calling, AutoML pipelines and plans a MeitY-cloud migration to support this data-led scale. Q3 FY26 delivered record quarterly PAT of Rs. 663 million and total income of Rs. 2,401 million, while asset quality remained strong with GNPA of 0.83% and NNPA of 0.66%; cost of borrowing declined to 10.3% after raising Rs. 1,885 million at 8.5%, supporting margin stability and funding diversification. Paisalo’s distribution and inclusion footprint is a competitive advantage: roughly 14 million customers, 4,872 touchpoints across 22 states, a 93% secured portfolio and high collection efficiency of 98.8%, enabling low-ticket, high-frequency lending at scale and facilitating cross-sell and last-mile reach via BC partnerships with SBI and Bank of India. The liability strategy combines co-lending, bank lines, NCDs, FCCBs and CPs to lower cost of funds and preserve capital adequacy (CAR 38.3%); co-lending (80:20) and diversified NCD/CP issuance are explicit levers to reduce borrowing cost and improve ROA/ROE while preserving balance sheet resilience.
Over the past 52 weeks, Paisalo Digital Ltd has traded between a low of ₹29.40 and a high of ₹41.50. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Paisalo Digital Ltd has a market capitalization of approximately 2,988.69. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Paisalo Digital Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 13.98 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 2,988.69 Cr, Paisalo Digital Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Paisalo Digital Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Paisalo Digital Ltd is 13.98. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The Rs 10,000 crore SME Growth Fund provides equity to MSMEs, strengthening their financial health. This makes them more creditworthy borrowers for lenders like Paisalo Digital, reducing overall portfolio risk.
Bearish
5
Neutral
2
Bullish
7
Bearish
37
Neutral
2
Bullish
7
Bearish
32
Neutral
0
Bullish
0
Committee Meeting
Paisalo Digital informed stock exchanges that its Operations and Finance Committee will meet on March 11, 2026 to consider and approve fundraising by issuance of non-convertible debentures on a private placement basis.
Committee Meeting
Paisalo Digital Limited informed that its Operations and Finance Committee will meet on 11 March 2026 to consider and approve a fund‑raising proposal via issuance of Non‑Convertible Debentures on private placement basis.
Paisalo Digital Limited is a systemically important NBFC focused on inclusive lending to MSMEs, small businesses and income-generation borrowers across India, offering product lines such as small income generation loans, SME/MSME loans and specialized asset finance with a 33-year legacy and AUM of Rs. 55,082 million as of Q3 FY2026.
Management has made AI the company’s strategic core, aiming to double AUM, income and PAT over three years by embedding AI across sourcing, underwriting, collections and a proprietary dynamic business rule engine; Paisalo runs large-scale GenAI calling, AutoML pipelines and plans a MeitY-cloud migration to support this data-led scale.
Q3 FY26 delivered record quarterly PAT of Rs. 663 million and total income of Rs. 2,401 million, while asset quality remained strong with GNPA of 0.83% and NNPA of 0.66%; cost of borrowing declined to 10.3% after raising Rs. 1,885 million at 8.5%, supporting margin stability and funding diversification.
Paisalo’s distribution and inclusion footprint is a competitive advantage: roughly 14 million customers, 4,872 touchpoints across 22 states, a 93% secured portfolio and high collection efficiency of 98.8%, enabling low-ticket, high-frequency lending at scale and facilitating cross-sell and last-mile reach via BC partnerships with SBI and Bank of India.
The liability strategy combines co-lending, bank lines, NCDs, FCCBs and CPs to lower cost of funds and preserve capital adequacy (CAR 38.3%); co-lending (80:20) and diversified NCD/CP issuance are explicit levers to reduce borrowing cost and improve ROA/ROE while preserving balance sheet resilience.
Finance
Finance - Large
2,989 Cr
High Risk
14.0
24.4
0.9
1.8
41.50
29.40
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
380.80 | 11,217 Cr | 12.05 | 1.65 | 0.52 | 16.24 | 14.39 | 7.18 | |
302.55 | 5,512 Cr | 15.95 | 1.96 | 0.56 | 12.02 | 10.18 | 2.70 | |
32.45 | 2,989 Cr | 13.98 | 1.80 | 0.30 | 12.45 | 11.72 | 3.79 | |
171.05 | 2,760 Cr | -9.82 | 1.42 | 0.00 | -52.04 | -1.60 | -3.74 | |
155.00 | 2,646 Cr | -8.85 | 0.98 | 0.00 | -13.35 | 3.57 | -2.63 | |
149.00 | 1,649 Cr | 8.53 | 0.63 | 0.00 | 5.13 | 10.85 | 1.49 | |
96.05 | 7 Cr | — | 19.21 | 0.00 | — | — | 0.00 |
