Paisalo Digital Limited — PPTs, 05-08-2026: Investor Presentation

**Business Performance:**

Paisalo Digital reported strong Q1FY27 results, with Assets Under Management (AUM) growing 28% YoY to ₹6,707.4 Cr. Disbursements surged 128% YoY to a record ₹1,730.9 Cr. Total income increased 19% YoY to ₹260.3 Cr, leading to a 30% YoY rise in Profit After Tax (PAT) to ₹61.3 Cr. Asset quality improved, with Gross NPA at 0.70% and Net NPA at 0.49%. The customer base expanded to 18 Mn across 23 states.

**Growth Drivers or Strategy:**

The company aims for approximately 2x growth in AUM, income, and PAT over the next three years, targeting a 25-30% CAGR. This will be driven by an AI-led lending franchise focused on maintaining best-in-class asset quality (sub-2%). Strategic pillars include broadening product offerings, expanding its 5,995-touchpoint distribution network, and diversifying borrowing sources.

**Recent Developments:**

Promoters increased their stake to 46.7% this quarter, reflecting strong confidence. Paisalo also launched its Tranche I public NCD issue of up to ₹300 Cr, part of a ₹900 Cr shelf limit, to bolster its liability franchise. Technology and AI efficiencies led to a 2% YoY reduction in headcount despite business growth.

**Key Financial Metrics:**

Q1FY27 saw Basic EPS jump 30% YoY to ₹0.67. The company maintains a robust Capital Adequacy Ratio of 33.1%.

**Management Commentary / Outlook:**

Management's three-year vision emphasizes AI-led scale alongside disciplined profitability. Key priorities involve boosting productivity through automation, digitizing front-end operations, and tech-driven cost compression to acquire customers efficiently.