Paisalo Digital Limited — PPTs, 10-05-2026: Investor Presentation

Paisalo Digital reported a strong Q4 FY26. AUM reached a record Rs 6,100.9 Cr (+17% YoY), with quarterly disbursements at Rs 1,344 Cr. Total income soared 35% YoY to Rs 260.9 Cr, driving a 56% YoY jump in PAT to Rs 72.2 Cr. The customer base grew to ~16 Mn across 5,299 touchpoints in 22 states. Asset quality improved significantly, with GNPA at 0.76% and NNPA at 0.61%.

Their core strategy involves an AI-led "Fin AI" transition for efficient, scalable lending, focusing on MSME & small income generation loans. They secured an "AA / Stable" credit rating and completed a maiden USD 15 million ECB issuance, diversifying funding. A new partnership with Indian Overseas Bank strengthens their BaaS ecosystem. Management targets 2x AUM, income, and PAT growth in three years, maintaining strong asset quality through tech innovation and strategic expansion.