Paisalo Digital Q2FY27: Disbursements surge 42% YoY to ₹1,567 Crore, AUM up 33% YoY to ₹7,266 Crore
Paisalo Digital's Q2FY27 results show a 42% YoY surge in disbursements to ₹1,567 crore and a 33% YoY rise in AUM to ₹7,266 crore. Total income grew 24% YoY to ₹277 crore, and PAT increased 27% YoY to ₹66 crore. GNPA improved to 0.66%. The company plans to launch a consumer-facing digital platform.
The announcement details significant year-over-year growth in core business metrics (disbursements, AUM) and profitability, which are material to investors. The upcoming digital platform launch and continued AI integration suggest future growth drivers.
The company reported strong YoY growth in key financial metrics like disbursements and AUM, along with improved asset quality and profitability. The commentary from the Deputy Managing Director also indicates a positive outlook with strategic initiatives like a new digital platform.
Paisalo Digital Limited announced its financial results for the quarter and half-year ended September 30, 2026. The company reported a significant year-on-year (YoY) surge in disbursements, which grew by 42% to ₹15,673 million (₹1,567 crore) in Q2FY27, compared to ₹11,025 million (₹1,103 crore) in Q2FY26. Cumulative disbursements for H1FY27 also saw a substantial increase of 77% to ₹32,982 million (₹3,298 crore).
Assets Under Management (AUM) grew by 33% YoY to ₹72,659 million (₹7,266 crore) in Q2FY27, up from ₹54,494 million (₹5,449 crore) in Q2FY26. The company also reported a 24% YoY increase in total income to ₹2,773 million (₹277 crore) for the quarter, with Profit After Tax (PAT) rising by 27% YoY to ₹656 million (₹66 crore).
Net Interest Margin (NIM) stood at 5.7% in Q2FY27, a decrease of 85 basis points YoY from 6.5% in Q2FY26. Gross Non-Performing Asset (GNPA) improved by 15 basis points YoY to 0.66%, and Net Non-Performing Asset (NNPA) improved by 19 basis points YoY to 0.46%.
Paisalo Digital also highlighted its AI-led efficiencies, which helped reduce headcount by 11% YoY to 2,905 employees. The company strengthened its distribution network to 6,415 touchpoints, adding 420 new ones in Q2FY27 and a total of 1,116 in H1FY27. The customer franchise grew to approximately 20 million, with about 1.9 million new additions in Q2FY27.
Commenting on the performance, Mr. Santanu Agarwal, Deputy Managing Director of Paisalo Digital Ltd, stated, “We continue to embed AI across the lending lifecycle, driving productivity gains, enhancing customer experience and improving operating efficiency. The upcoming launch of our consumer-facing digital platform, along with our increasingly diversified liability franchise, strengthens our ability to scale profitably while maintaining prudent risk management.”
The company will host an Earnings Conference Call on Thursday, October 22, 2026, at 4:00 PM IST to discuss its Q2FY27 results and answer participant questions.
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