Paisalo Digital Partners with LoanKhata for ₹1,000 Crore Co-Lending Facility
Paisalo Digital Limited announced an MoU with LoanKhata for a proposed ₹1,000 crore co-lending facility. This partnership aims to support Paisalo's three-year roadmap of doubling AUM, income, and PAT. The facility will focus on micro-enterprises and MSMEs, with Paisalo funding 80% and LoanKhata 20% of each loan. The collaboration leverages Paisalo's 5,995 touchpoints with LoanKhata's 1,00,000+ retailer network.
The ₹1,000 crore co-lending facility represents a substantial financial commitment and strategic move that is expected to significantly impact the company's AUM, income, and market reach, aligning with its ambitious growth targets.
The announcement details a significant co-lending partnership that aligns with the company's strategic growth objectives, including doubling AUM, income, and PAT, and expanding its reach into underserved markets. This is viewed positively for future business expansion.
Paisalo Digital Limited has announced a Memorandum of Understanding (MoU) with LoanKhata for a proposed co-lending partnership aimed at establishing a facility of up to ₹1,000 crore. This collaboration is a strategic step to accelerate Paisalo's growth strategy, which includes doubling its Assets Under Management (AUM), total income, and Profit After Tax (PAT) over a three-year period.
The partnership will focus on lending to micro-enterprises and MSMEs. Under the proposed structure, Paisalo will fund 80% of each eligible loan, while LoanKhata will contribute the remaining 20%. This initiative is designed to strengthen Paisalo's expansion roadmap by leveraging complementary distribution networks.
Paisalo has significantly expanded its reach, growing from 1,052 touchpoints in FY23 to 5,995 touchpoints as of Q1 FY27, comprising 424 branches, 3,997 distribution points, and 1,574 business correspondents across 23 states. LoanKhata brings a substantial last-mile ecosystem of over 1,00,000 retailers with CSP registration and access to a customer base of over 90 million. This combined reach is expected to enhance sourcing, onboarding, and customer engagement, particularly in underserved, semi-urban, and rural markets.
Santanu Agarwal, Deputy Managing Director of Paisalo Digital Limited, stated that the partnership is a key milestone in their journey to scale responsibly. He highlighted the combination of LoanKhata's extensive network and customer access with Paisalo's technology-enabled underwriting, digital onboarding, and collection capabilities, creating a scalable model to serve a larger base of MSME and micro-enterprise borrowers. The company aims to grow through deeper distribution, technology-led operating leverage, disciplined underwriting, and maintaining pristine asset quality.
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Paisalo Digital Limited filed this with the NSE as a statutory disclosure, categorised under strategic partnerships. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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