Paisalo Digital

NSE: PAISALOBSE: 532900
Compare with peers
₹ 79.00▲ 0.86 (+1.1%)28 Oct, 03:29 pm IST
Market cap
₹ 7,009 Cr.
P/E
27.1x
P/B
4.08x
52-week range
30 – 94.88
ROE
14%
Dividend yield
0.1%
Debt / equity
2.44
Sector
Finance
Industry
Non Banking Financial Company (NBFC)
Listed on
NSE, BSE

About

Paisalo Digital Limited is an India-based Non-Banking Financial Company (NBFC) engaged in providing loans. The Company is primarily focusing on financing self-employed borrowers. The Company's products include small income generation loans, mobility loans, and entrepreneurial loans. Its small income generation loans include Umeed loan, Pragati loan, and Vikas loan. It offers financial solutions for individuals or small businesses to purchase seeds, fodder, cattle, and others. Its mobility loans offer solutions for purchasing mobility products for individuals, such as auto rickshaws, electric rickshaws, two-wheelers or tempo, which include Gati loan, Raftaar loan, Do Ka Dum loan, and Ready Steady Go loan. The Company offers customizable micro, small and medium enterprises (MSME), small and medium enterprises (SME), and commercial loans based on the borrower’s profiles. Its Udaan loan is provided for small businesses. It operates through approximately 351 branches.

Quick check

The five things to look at first. Open one for more.

Paisalo Digital against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.

  • Valuation (P/E)27.1 against a typical 22.5: pricier than most peers (1st = cheapest).152nd of 284
  • Sales growth+23.7% against a typical +18.3% from a year earlier.119th of 259
  • Profit growth+26.9% against a typical +20.2% from a year earlier.95th of 214
  • Share price, 3 months+10.7% against a typical −4.2%.63rd of 258
  • Size₹ 7,009.4 Cr. market value against a typical ₹ 43 Cr. (1st = largest).16th of 269

Latest announcements

Exchange filings and their impact on the company.

  • 22 Oct 2026Outcome of Board MeetingHigh impactVery positivePrice −0.5% that day
    Strong Q2 with 27% profit growth and 20% loan-book expansion in six months signals sustained earnings momentum.

    Paisalo Digital reported Q2 FY27 consolidated revenue of Rs 277.3 crore, up 23.8% from last year, and net profit of Rs 65.6 crore, up 27.3%. For the half year, revenue was Rs 537.6 crore and profit Rs 127 crore, backed by loans growing to Rs 7,114 crore from Rs 5,930 crore in March. The company also raised about Rs 477 crore via NCDs and commercial papers and converted FCCBs into 46.3 lakh shares, supporting continued lending growth.

    Filing
  • 13 Oct 2026Committee Meeting UpdatesLow impactNeutralPrice −0.7% that day
    Paisalo allotted Rs 75 crore of short-term commercial papers to fund lending growth.

    On October 13, 2026, Paisalo Digital allotted 1,500 listed commercial papers of Rs 5 lakh each, aggregating to Rs 75 crore face value, by private placement. Net proceeds are about Rs 72.2 crore at issue prices of Rs 4.81-4.82 lakh, maturing on March 19-25, 2027 with Bank of Maharashtra as IPA. The funds support the NBFC's lending business and represent routine short-term borrowing of about 1.7% of its existing debt.

    Filing

Credit ratings

Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates

High safety

Rated AA by Infomerics
AA
DefaultRiskyModerateSafeVery safe
  • No warnings from the agency.
AgencyCurrent ratingOutlookAs of
InfomericsIVR AAStable21 Aug 2026
Credit rating actions
RatingDetails
21 Aug 2026
Reaffirmed
IVR AA—Infomerics₹ 4,500 Cr.
24 Jul 2026
Reaffirmed
IVR AA—Infomerics₹ 7,099 Cr.
13 May 2026
Reaffirmed
IVR AA—Infomerics₹ 7,141 Cr.
19 Mar 2026
Withdrawn
was IVR AA—Infomerics₹ 4,699 Cr.
3 Mar 2026
Withdrawn
was IVR AA—Infomerics₹ 4,595.75 Cr.

Board meetings

Results dates and other board meetings. Full calendar

Details
22 Oct 2026Financial ResultsTo consider and approve the financial results for the period ended September 30, 2026
5 Aug 2026Financial ResultsTo consider and approve the financial results for the period ended Jun 30, 2026
10 May 2026Financial Results/Dividend/Other business mattersTo consider and approve the financial results for the period ended March 31, 2026, dividend and other business matters
6 Feb 2026Financial ResultsTo consider and approve the financial results for the period ended December 31, 2025
10 Nov 2025Financial ResultsTo consider and approve the financial results for the period ended September 30, 2025
21 Jul 2025Financial ResultsTo consider and approve the financial results for the period ended Jun 30, 2025

Share price

1Y change +98.64%
0 of 2 filing days came with a big price move
Volume (shares)Price (₹)
Close price

Financials

Consolidated figures in ₹ crore.

Quarterly results
₹ Cr.Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue183195187187204194219224240261260277
Interest64868377828694989588116130
Expenses425947423843595553725855
Financing Profit7750576884656671931028793
Financing Margin %42%26%30%36%41%33%30%32%39%39%33%34%
Other Income00000100−1000
Depreciation111112223545
Profit before tax765056678263646989978287
Tax %26%26%26%26%24%27%26%25%25%26%25%25%
Net Profit563741506246475266726166
EPS in Rs0.630.410.460.560.70.510.520.570.730.790.670.72
Gross NPA %————1.1%———0.8%0.7%0.7%—
Net NPA %————0.8%———0.7%0.6%0.5%—

Growth and returns

Compounded yearly rates over each period.

Compounded Sales Growth
10 Years
16%
5 Years
22%
3 Years
25%
TTM
24%
Compounded Profit Growth
10 Years
18%
5 Years
33%
3 Years
35%
TTM
29%
Stock Price CAGR
10 Years
21%
5 Years
10%
3 Years
25%
TTM
—
Return on Equity
10 Years
11%
5 Years
12%
3 Years
14%
TTM
—

Shareholding

Latest: Oct 2026.

Promoters
45.22%
+3.47 pts in a year
FIIs
7.17%
−12.91 pts in a year
DIIs
5.72%
−1.97 pts in a year
Public
41.87%
+11.4 pts in a year

P/E and EPS over time

Daily P/E and trailing 12-month EPS. EPS updates with each result.

P/E 27.1xEPS (12 months) ₹ 2.92Median P/E 23.1x
P/E (times)EPS (₹)

Peers

Listed companies in the same business.

Peer comparison
Paisalo Digital₹ 79.00₹ 7,009 Cr.27.1x4.1x14%—
Bajaj Finance₹ 927.00₹ 5,77,146 Cr.25x5.8x18.1%23.7%
Shriram Finance₹ 867.00₹ 2,04,004 Cr.13.9x3x16.4%20.9%
Jio Financial Services₹ 205.00₹ 1,35,364 Cr.95.5x1.2x—49.8%
Tata Capital₹ 307.05₹ 1,30,358 Cr.20.5x3.3x12.3%16%
Power Finance Corporation₹ 316.00₹ 1,04,283 Cr.5.4x1x20.7%29.1%

Management

Sunil Agarwal
Chief Executive Officer, Managing Director, Director
Harish Singh
Chief Financial Officer, Executive Director - Operations
Anurag Sinha
Chief Operating Officer, Chief Information Security Officer
Nishtha Sharma
Senior Vice President - Marketing
Bvskt Bhaskar
Senior Vice President - Business
Sushant Sharma
Senior Vice President - Information Technology
Manendra Singh
Compliance Officer, Company Secretary
Gaurav Chaubey
Chief Risk Officer

Prices are delayed and for information only. Nothing on this page is investment advice.