| Management target | Revenue 100.0% FY30 |
|---|
| Revenue growth | Total income grew 24% YoY to ₹277 Cr, driven by AUM expansion. |
|---|---|
| Margins | NIMs at 5.7%; targets 6% as late-quarter fund deployment normalizes. |
| Demand visibility | Strong rural demand in mobility and machinery, partially muted by monsoons. |
| Management confidence | High; confident in technology-led scalability and asset quality resilience. |
Growth
AUM grew 33% YoY to ₹7,266 Cr; disbursements surged 42% YoY to ₹1,567 Cr.
Outlook
Targets doubling AUM, revenue, and PAT within the next three fiscal years.
Risks
Uneven monsoon impacts in Maharashtra and Karnataka; high finance cost growth (33%) vs revenue growth (24%).
Last quarter's promises, checked
Delivered
- Target AUM 28% YoY growth → delivered 33% YoY growth (= BEAT)
- Target PAT 30% YoY growth → delivered 27% YoY growth (= MISS)
- Guided cost-to-income ~40% → delivered ~40% (= BEAT)
Partly delivered
- Guided 6 new product lines in Q1 → Launched mobility and machinery demand (= PARTIAL)
- Target AUM mix <25% per industry → Food/Hospitality at 23%, others scaling (= PARTIAL)
Missed
- Target doubling PAT in 3 years → growth at 27% implies 105% trailing CAGR (= MISS)
- Expand co-lending with SBI in Q1/Q2 → Status quo, awaiting bank compliance (= MISS)
Earnings Call Transcript filed with NSE, NSE: PAISALO. Summary written with AI assistance from the document.
Paisalo Digital Ltd: key numbers
- Share price
- ₹78.97
- Market cap
- ₹7,182 Cr
- Revenue (annual)
- ₹943.7 Cr
- Net profit (annual)
- ₹237.2 Cr
- P/E (TTM)
- 27.1×Sector 19.7×
- Promoter holding
- 45.22%-1.50% QoQ
- FII holding
- 7.17%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Paisalo Digital Ltd
All →Paisalo Digital Share Pledge
Equilibrated Venture Cflow, a promoter group entity, pledged 2.98 crore Paisalo shares on October 26, 2026. The pledge secures a Rs.25 Crore third-party loan from Jio Credit.
- Value
- ₹25.00 Cr
Paisalo Digital Share Pledge
Promoter group entity Equilibrated Venture Cflow pledged 1,03,63,523 shares, valued at Rs.79.59 Crore, on October 26, 2026. Promoter holding stays at 20.64% after the pledge.
- Value
- ₹79.59 Cr
Paisalo Digital Investor Presentation: Key Takeaways
Paisalo Digital reported strong Q2FY27 performance with PAT rising 27% YoY to ₹656 Mn. Strategy focuses on AI-led operational efficiency and co-lending partnerships to drive scalable, asset-light growth.
Paisalo Digital Results Update
Paisalo Digital's Q2FY27 AUM grew 33% YoY to Rs 7,265.9 Cr; disbursements surged 42% to Rs 1,567.3 Cr. PAT rose 27% YoY to Rs 65.6 Cr.
Paisalo Digital Legal & Regulatory
Paisalo Digital's board noted the BSE fine under LODR Reg 60(2) and its pending waiver application. The company will follow up on the waiver and ensure future compliance.
Paisalo Digital Q2 FY27 Results: Net Profit ₹65.6 Cr, Up 27.4% YoY
Paisalo Digital Ltd reported revenue from operations of ₹277.3 Cr (+23.8% YoY) and net profit of ₹65.6 Cr (+27.4% YoY) for Q2 FY27.
- Key figure
- Net profit ₹65.6 Cr · +27.4% YoY