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Paisalo Digital reported strong Q3 FY26 results. **Business Performance:** AUM grew 16% YoY to ₹5,508.2 crore, with disbursements rising 7% YoY to ₹1,057.4 crore. Total Income jumped 18% YoY to ₹240.1 crore, leading to a 6% YoY increase in profit (PAT) to ₹66.3 crore. Asset quality remains robust with GNPA at 0.83% and NNPA at 0.66%, supported by 98.8% collection efficiency. The customer base expanded significantly to ~1.4 crore.
**Growth Drivers & Strategy:** The company is aggressively adopting an AI-led 'Phygital' model for sourcing, underwriting, and collections. Its three-year roadmap aims to double AUM, Income, and PAT by scaling MSME and small income generation loans, broadening product offerings through new OEM and institutional partnerships (e.g., medical, solar equipment), and expanding its 4,872-touchpoint network across 22 states. **Recent Developments:** Paisalo also successfully raised ₹188.5 crore at an 8.5% interest rate and promoters increased their stake to 41.7%.
**Management Outlook:** The focus is on disciplined execution of its Fin AI strategy and co-lending partnerships to achieve aggressive growth targets while maintaining top-tier asset quality.