Paisalo Digital Limited — PPTs, 21-07-2025: Investor Presentation

**Financial Highlights:**

Paisalo Digital reported strong Q1 FY26 financial results. Total Income reached an all-time high of ₹218.7 Cr (+17% YoY), with Net Interest Income up 20% YoY to ₹124.4 Cr. Profit After Tax (PAT) grew 14% YoY to ₹47.2 Cr. Assets Under Management (AUM) expanded 14% YoY to ₹5,230.2 Cr, and disbursements rose 16% YoY to ₹758.1 Cr. Asset quality improved, with GNPA at 0.85% and NNPA at 0.68%.

**Strategic Initiatives & Growth Drivers:**

The company significantly expanded its network, adding 50 branches and 432 new touch points in Q1, reaching 3,997 across 22 states. A key initiative is the expanded co-lending partnership with SBI for MSME & SME loans, expected to operationalize from Q4FY26, leveraging SBI’s network and Paisalo’s digital platform.

**Business Developments:**

Paisalo continues to bridge the credit gap for underserved populations, focusing on small income generation and MSME/SME loans. Its "High Tech: High Touch" model utilizes digital onboarding, AI/ML-driven underwriting based on its CCC (Character, Credit, Credibility) model, and achieves 88% digital collection. The company also financed 678 EVs, promoting green mobility.

**Market Position & Competitive Advantage:**

Paisalo expanded its customer franchise to a record ~11 million, adding ~1.5 million in Q1. Its diversified network, coupled with robust in-house debt management and risk mitigation, resulted in a high collection efficiency of 99.8% and healthy capital adequacy of 39.5%.

**Investor Implications:**

These updates signal positive growth potential, driven by expanding reach, strategic partnerships, and effective asset quality management. The focus on digital integration and capital-efficient co-lending could support sustained profitability.