Paisalo Digital Limited — PPTs, 09-02-2026: Investor Presentation

Paisalo Digital delivered strong Q3 FY26 results, with Asset Under Management (AUM) hitting a record 5,508.2 Cr, up 16% YoY. Total income grew 18% YoY to 240.1 Cr, and Profit After Tax (PAT) rose 6% YoY to 66.3 Cr. The customer base expanded to 1.4 Cr. Asset quality remains robust with GNPA at 0.83% and NNPA at 0.66%.

The company is strategically shifting to an AI-led framework for acquisition, underwriting, and portfolio management, aiming for a scalable 'Phygital' engine. Recent developments include adding 492 new touchpoints for a total of 4,872 across 22 states, broadening its product suite with new OEM and institutional partnerships, and raising 188.5 Cr to strengthen its equity. Promoters also increased their stake to 41.7%.

Management outlined a three-year roadmap targeting 2x AUM, income, and PAT growth, focusing on expanding MSME and small income generation loans while preserving asset quality. The core purpose is to connect unbanked and underserved populations to formal finance with accessible loan offerings.