Paisalo Digital Q1 FY27: AUM up 28% to ₹6,707 Crore, Disbursements surge 128%
Paisalo Digital reported a strong Q1 FY27 with AUM up 28% YoY to ₹6,707 crore and disbursements soaring 128% YoY to ₹1,731 crore. PAT grew 30% YoY to ₹61 crore. The company is launching a ₹300 crore NCD issue to fund growth. Management aims to double AUM, income, and profit in three years.
The substantial year-on-year growth in key financial metrics (AUM, disbursements, PAT), the successful launch of a new debt fundraising instrument, and a clear, ambitious growth strategy (doubling AUM, income, and profit in three years) are highly material and will significantly impact investor perception and the company's future trajectory.
The company reported significant year-on-year growth in AUM, disbursements, and profit, along with improved asset quality and a positive outlook for future growth, including a new NCD issue. This indicates strong financial performance and strategic progress.
Paisalo Digital Limited has reported a strong Q1 FY2027, with Assets Under Management (AUM) growing by 28% year-on-year to ₹6,707 crore (₹67,074 million) as of June 30, 2026. The company achieved its highest-ever quarterly disbursement of ₹1,731 crore (₹17,309 million), a remarkable 128% increase year-on-year. Total income rose by 19% to ₹260 crore (₹2,603 million), with Net Interest Income at ₹145 crore (₹1,447 million) and a Net Interest Margin of 6.6%.
Profit After Tax (PAT) surged by 30% year-on-year to ₹61 crore (₹613 million). Gross Non-Performing Assets (NPA) stood at 0.70%, and Net NPA at 0.49%, showing an improvement. Collection efficiency remained strong at 97.5%. The company's balance sheet remains robust, with net worth at ₹1,830 crore (₹18,298 million) and a Capital Adequacy Ratio of 33.1%. Total borrowings were ₹4,847 crore (₹48,467 million).
Paisalo Digital is launching tranche 1 of its Non-Convertible Debentures (NCDs) issue aggregating up to ₹300 crore, part of a ₹900 crore shelf limit, opening on August 7th, to fund future growth. The cost of borrowing declined by 64 basis points year-on-year to 10.1%.
The company's strategy is anchored on four pillars: distribution, product diversification, technology and AI, and liability management. The distribution network expanded to 5,995 touch points across 23 states, and the business correspondent franchise crossed USD 1 billion in gross transaction value. The company aims to double its AUM, income, and profitability over the next three years, maintaining strong asset quality and a robust capital position.
The management highlighted the positive implications of the RBI's circular increasing the collateral-free lending threshold for MSMEs to ₹20 lakh, which aligns with Paisalo's focus on underserved borrowers and cash flow-based lending. They also discussed the increasing use of AI across the lending lifecycle to enhance efficiency and risk management.
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Paisalo Digital Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. 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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See the model portfoliosA plain-language summary of a public exchange filing by Paisalo Digital Limited. Read the original for the full detail.