Paisalo Digital reports 128% YoY surge in disbursements; AUM stands at Rs 67,074 Mn in Q1FY27
Paisalo Digital Limited, a prominent non-banking financial company (NBFC) specializing in credit access for SME, MSME, and micro-enterprises across India, announced its results for the quarter ended June 30, 2026. The company highlighted significant growth in lending volume and asset quality improvements amid strategic technology adoption.The company reported that Assets Under Management (AUM) grew by 28% year over year (YoY), reaching Rs 67,074 Mn. Disbursements reached Rs 17,309 Mn in Q1FY27, marking a substantial surge of 128% YoY, fueled by steady credit demand across key segments.
Key Performance Indicators Snapshot (Q1FY27)
The financial health and operational metrics for Paisalo Digital showed strong performance across the quarter compared to previous periods:| Particulars | Q1FY27 | Q1FY26 | YoY (%) | Q4FY26 | QoQ (%) |
|---|---|---|---|---|---|
| AUM (Rs Mn) | 67,074 | 52,302 | +28% | 61,009 | +10% |
| Disbursement (Rs Mn) | 17,309 | 7,581 | +128% | 13,440 | +29% |
| Total Income (Rs Mn) | 2,603 | 2,187 | +19% | 2,609 | - |
| PAT (Rs Mn) | 613 | 472 | +30% | 722 | (15%) |
| Net Interest Margin (%) | 6.6% | 6.5% | +4 Bps | 6.8% | (26 Bps) |
| GNPA (%) | 0.70% | 0.84% | (14 Bps) | 0.76% | (6 Bps) |
| NNPA (%) | 0.49% | 0.68% | (19 Bps) | 0.61% | (12 Bps) |
Operational and Financial Highlights
Asset Management and Distribution: The growth in AUM reflects continuous business momentum. Furthermore, Paisalo Digital strengthened its last-mile presence, expanding its network to 5,995 touchpoints. This expansion included 696 new touchpoints added during Q1, supported by a network of 424 branches. The customer franchise also grew, reaching approximately 18 million customers, with 1.8 million new additions during the quarter.Credit Quality and Funding: Asset quality metrics improved significantly, with Gross Non-Performing Assets (GNPA) and Net NPA (NNPA) reducing by 14 basis points (bps) and 19 bps YoY, respectively, standing at 0.70% and 0.49%. The company maintained prudent liability management, with total borrowings reaching Rs 48,467 Mn as of June '26. Critically, the cost of borrowing improved by 64 bps YoY to 10.1%.
Profitability and Efficiency: Total income increased by 19% YoY to Rs 2,603 Mn. Net interest income rose by 16% YoY to Rs 1,447 Mn, while the Net Interest Margin (NIM) remained stable at 6.6% in Q1FY27. Profit After Tax (PAT) stood at Rs 613 Mn, a rise of 30% YoY.
AI-led efficiencies contributed to operational discipline, helping reduce headcount by 2% YoY to 3,018. Capital Adequacy remained robust at 33.1%, with Tier 1 capital reported at 26.8%. Net Worth also grew by 15% YoY to Rs 18,298 Mn.
Management Commentary
Mr. Santanu Agarwal, Deputy Managing Director of Paisalo Digital Ltd, commented on the performance, stating that the quarter highlighted the company’s ability to deliver growth with discipline.He noted that distribution strength and technology investments are being reflected in business momentum as the company deepens its reach into underserved markets. Agarwal emphasized the importance of AI-led capabilities for improving productivity, sharpening execution, and enhancing decision-making across its franchise. Alongside growth, he mentioned a focus on strengthening the franchise foundation through diversified funding and prudent risk management.
Earnings Conference Call
The management of Paisalo Digital is scheduled to host an earnings conference call on Thursday, August 6, 2026, at 4:00 PM IST, where they will discuss the quarter's performance and respond to participant questions.PAISALO Stock Price Movement
Today, Paisalo Digital Limited shares slipped by 2.88% to close at ₹69.14 after trading in a downturn. The equity saw strong market interest, with total traded volume hitting nearly 30.9 million shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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