Paisalo Digital
- 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.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →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.
- 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.
- 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.
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- No warnings from the agency.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| Infomerics | IVR AA | Stable | 21 Aug 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 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 2026 | Financial Results | To consider and approve the financial results for the period ended September 30, 2026 |
| 5 Aug 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 10 May 2026 | Financial Results/Dividend/Other business matters | To consider and approve the financial results for the period ended March 31, 2026, dividend and other business matters |
| 6 Feb 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 10 Nov 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 21 Jul 2025 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2025 |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 183 | 195 | 187 | 187 | 204 | 194 | 219 | 224 | 240 | 261 | 260 | 277 |
| Interest | 64 | 86 | 83 | 77 | 82 | 86 | 94 | 98 | 95 | 88 | 116 | 130 |
| Expenses | 42 | 59 | 47 | 42 | 38 | 43 | 59 | 55 | 53 | 72 | 58 | 55 |
| Financing Profit | 77 | 50 | 57 | 68 | 84 | 65 | 66 | 71 | 93 | 102 | 87 | 93 |
| Financing Margin % | 42% | 26% | 30% | 36% | 41% | 33% | 30% | 32% | 39% | 39% | 33% | 34% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | −1 | 0 | 0 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 5 | 4 | 5 |
| Profit before tax | 76 | 50 | 56 | 67 | 82 | 63 | 64 | 69 | 89 | 97 | 82 | 87 |
| Tax % | 26% | 26% | 26% | 26% | 24% | 27% | 26% | 25% | 25% | 26% | 25% | 25% |
| Net Profit | 56 | 37 | 41 | 50 | 62 | 46 | 47 | 52 | 66 | 72 | 61 | 66 |
| EPS in Rs | 0.63 | 0.41 | 0.46 | 0.56 | 0.7 | 0.51 | 0.52 | 0.57 | 0.73 | 0.79 | 0.67 | 0.72 |
| 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.
- 10 Years
- 16%
- 5 Years
- 22%
- 3 Years
- 25%
- TTM
- 24%
- 10 Years
- 18%
- 5 Years
- 33%
- 3 Years
- 35%
- TTM
- 29%
- 10 Years
- 21%
- 5 Years
- 10%
- 3 Years
- 25%
- TTM
- —
- 10 Years
- 11%
- 5 Years
- 12%
- 3 Years
- 14%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Paisalo Digital | ₹ 79.00 | ₹ 7,009 Cr. | 27.1x | 4.1x | 14% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 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.