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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
Non Banking Financial Company (NBFC)
3,456 Cr
High Risk
15.4
18.6
0.8
2.1
41.50
29.40
Sales CAGR
Profit CAGR
ROE
ROCE
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Paisalo Digital Ltd (PAISALO) is currently trading at 39.01 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 3,456.18. 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 15.42 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 3,456.18 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 its sector 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 15.42. 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 primary purpose is to raise long-term, cost-effective capital from international markets to expand its lending portfolio, with a specific focus on MSMEs, income-generating activities, and other priority sectors.
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.
Discovery themes featuring this stockCommercial paper allotment
Paisalo Digital allotted 100 listed commercial papers (face value Rs.500,000 each) via private placement on Apr 10, 2026 at issue price Rs.479,544; tenure 173 days, maturing Sep 30, 2026; IPA: Bank of Maharashtra.
Pledge Release Disclosure
Equilibrated Venture Cflow Pvt. Ltd. disclosed release of 40,00,000 pledged shares of Paisalo Digital Ltd on 02-Apr-2026; post-release encumbered shares stand at 7,49,09,002 (8.24% of total); total promoter holding 18,67,63,880 (20.53%).
Bearish
8
Neutral
1
Bullish
5
Bearish
8
Neutral
1
Bullish
37
Bearish
0
Neutral
0
Bullish
32
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
226.50 | 3,789 Cr | 11.84 | 1.03 | 0.00 | 7.81 | 8.52 | 2.15 | ||
197.30 | 3,465 Cr | 5.48 | 0.78 | 0.00 | -10.94 | 3.10 | 5.87 | ||
35.80 | 3,456 Cr | 15.42 | 2.08 | 0.26 | 12.45 | 11.72 | 3.79 | ||
445.70 | 3,020 Cr | 29.03 | 1.99 | 0.00 | 9.37 | 7.21 | 3.65 | ||
91.43 | 2,560 Cr | 10.03 | 1.05 | 0.00 | 7.44 | 9.43 | 2.09 | ||
27.20 | 1,813 Cr | 5.26 | 0.61 | 0.00 | 11.75 | 13.19 | 6.21 | ||
99.81 | 1,781 Cr | 101.73 | 5.60 | 0.00 | 5.88 | 10.39 | 1.55 | ||
| Median: 7 Co. | — | 99.81 | 3,020 Cr | 11.84 | 1.05 | 0.00 | 7.81 | 9.43 | 3.65 |
