Paisalo Digital Limited informed the promoter group entity of Paisalo Digital Ltd, EQUILIBRATED VENTURE CFLOW (P) LTD, enhanced its stake in the company through open market transactions, demonstrating continued confidence in the Non-Banking Financial Company (NBFC). Specifically, the promoter entity acquired 9,77,400 equity shares over two days, raising its overall percentage shareholding. This latest purchase follows an earlier acquisition by the same promoter group entity of 3,94,034 equity shares, contributing to a sustained, incremental increase in the total promoter group shareholding in Paisalo Digital Ltd.
Additionally, a meeting of the Operations and Finance Committee of the Board of Directors of Paisalo Digital Limited is scheduled to be held on November 21, 2025, to consider and approve the fundraising proposal by way of issuance of Non-Convertible Debentures on a Private Placement basis.
Furthermore, the company has also taken a significant step toward its sustainability and Generative AI goals by installing a high-efficiency liquid immersion cooling server at its Mumbai office, projecting an annual avoidance of approximately 55.8 tonnes of CO2 emissions and savings of nearly 79,716 kWh of electricity by improving the Power Usage Effectiveness (PUE) from 1.8 to 1.15. This move supports the company's ongoing AI developments, aligns with multiple United Nations Sustainable Development Goals (SDGs), and will be featured in its Q3 sustainability reporting.
About the Company
Paisalo Digital Limited is engaged in the business of providing convenient and easy loans to the financially excluded at the bottom of India's economic pyramid. The company has a wide geographic reach, with a network of 4,380 touchpoints across 22 states & UTs in India. The company’s mission is to simplify small-ticket size income generation loans by establishing ourselves as a trusted, high-tech, high-touch financial companion for the people of India.
The company reported strong financial growth for the quarter ending September 30, 2025. The company's Assets Under Management (AUM) demonstrated robust growth, increasing 20 per cent year-over-year (YoY) to Rs 5,449.40 crore. This growth was supported by a significant increase in disbursements of 41 per cent YoY to Rs 1,102.50 crore. Overall, the company's Total Income grew by 20 per cent YoY to Rs 224 crore, with Net Interest Income (NII) rising by 15 per cent YoY to Rs 126.20 crore. The expansion efforts are evident in the increased geographical reach, which grew to 4,380 touchpoints across 22 states, and the customer franchise expanded to a record of approximately 13 million, adding about 1.8 million customers during the quarter. The company also saw USD 4 million of its maiden $50 Mn Foreign Currency Convertible Bond (FCCB) converted into share capital during the quarter.
The company maintained a stable and healthy asset quality, with Gross Non-Performing Assets (GNPA) standing at a low 0.81 per cent and Net Non-Performing Assets (NNPA) at 0.65 per cent. This stable asset quality is complemented by a strong collection efficiency of 98.4 per cent for the quarter. Furthermore, Paisalo Digital's financial position remains robust, highlighted by a Capital Adequacy Ratio of 38.2 per cent (with Tier 1 capital at 30.3 per cent), which significantly exceeds regulatory requirements. The Net Worth also saw a substantial increase, growing 19 per cent YoY to Rs 1,679.90 crore. These results underscore Paisalo Digital's effective strategy in leveraging its digital capabilities and three decades of experience to achieve sustainable, high-growth lending to the financially excluded while maintaining strict control over asset quality and capital strength.
This integration of High Tech: High Touch, a customer-centric approach, and data analytics empowers Paisalo to deliver tailored, scalable solutions while minimising risks and maintaining the highest standards of governance and regulatory adherence. The stock is up 16 per cent from its 52-week low of Rs 29.40 per share. As of September 2025, SBI Life Insurance Co. Ltd owns a 6.83 per cent stake.
Disclaimer: The article is for informational purposes only and not investment advice.
Promoter of Paisalo Digital Ltd buys 9,77,400 shares via the open market