Paisalo Digital Reports 17% AUM Growth, PAT Jumps 56% to Rs 722 Mn for Q4FY26

Paisalo Digital Reports 17% AUM Growth, PAT Jumps 56% to Rs 722 Mn for Q4FY26​

New Delhi, May 10, 2026: Paisalo Digital, a digitally enabled Non-Banking Financial Company (NBFC) with extensive experience in lending to underserved and emerging MSME/SME segments, announced its financial results for the quarter and full year ended March 31, 2026. The company reported that its Assets Under Management (AUM) grew 17% year over year (YoY) to Rs 61,009 Mn, and its Profit After Tax (PAT) surged 56% YoY to Rs 722 Mn.

Key Financial Performance Metrics​

The company's key financial metrics demonstrated robust growth across the board. The performance data for Q4FY26 and Full Year 2026 compared to the previous periods is presented below:

Operational and Growth Highlights​

In terms of operational execution, Paisalo Digital reported significant activity in its lending and distribution networks.

• AUM and Disbursement: AUM grew by 17% YoY, reaching Rs 61,009 Mn. Disbursements in Q4FY26 were Rs 13,440 Mn, with total disbursements for FY26 standing at Rs 42,620 Mn.
• Profitability: Total income saw a 35% YoY increase in Q4, reaching Rs 2,609 Mn. For the full year, total income grew 22% YoY to Rs 9,437 Mn. Net Interest Income increased by 61% YoY to Rs 1,733 Mn in Q4. PAT for FY26 was Rs 2,372 Mn, representing a 19% YoY increase.
• Distribution Network: The company continued to strengthen its on-ground presence, adding 427 new touchpoints in Q4, bringing the total network to 5,299 touchpoints. The physical branch network expanded from 402 to 422, an increase of 20 branches during the quarter.
• Asset Quality and Capital: Asset quality remained strong, with Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets (NNPA) recorded at 0.76% and 0.61% respectively for Q4FY26. The Capital Adequacy Ratio remained high at 35.8%, supported by a 16% YoY growth in Net Worth, which stood at Rs 17,930 Mn.
• Borrowing Profile: Total borrowings reached Rs 43,597 Mn as of March'26. The cost of borrowing improved to 10.22%, reflecting prudent liability management.

Management Commentary​

Mr. Santanu Agarwal, Deputy Managing Director of Paisalo Digital Ltd, commented on the strong financial performance, stating that the results reflect improved operating leverage and the strength of the business model.

He noted that on the liability side, the company successfully completed its maiden External Commercial Borrowing (ECB) issuance of USD 15 Mn, which helped reduce the cost of borrowing by 32 basis points (bps) YoY to 10.22%, reinforcing the company's credit standing with dual ratings of 'AA/Stable'.

Mr. Agarwal added that the growth trajectory, combined with a strong capital base and resilient asset quality, positions the company to sustain growth and deepen financial inclusion while leveraging AI-led capabilities to enhance productivity and execution.

PAISALO Stock Price Movement​

Shares of Paisalo Digital Limited on Friday slipped by 0.12% to close at ₹49.51. The equity recorded significant trading activity, moving on a volume of 15.27 million shares.