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Paisalo Digital Posts ₹466.6 Million Profit in Q1, Maintains Stellar Asset Quality and Co-Lending Momentum


Updated: July 21, 2025 12:36

Image Source: The Economic Times
Paisalo Digital Ltd has reported a strong financial performance for the June quarter of FY26, with total revenue from operations reaching ₹2.1 billion and net profit standing at ₹466.6 million. The results reflect the company’s disciplined lending practices, robust co-lending partnerships, and scalable tech infrastructure.
 
Key Highlights:
  • Revenue grew 37 percent year-on-year, driven by expanding loan disbursements and deeper penetration in Tier-II and Tier-III cities.
  • Net profit rose 8 percent YoY, slightly impacted by temporary loan collection delays due to summer heat and election-related disruptions.
  • Gross NPA and Net NPA remained exceptionally low at 0.21 percent and 0.02 percent respectively, showcasing superior credit monitoring.
Operational Metrics:
  • Annualized ROA stood at 4.0 percent and ROE at 12.0 percent, maintaining industry-leading return ratios.
  • Net Interest Margin improved to 6.22 percent, supported by pricing discipline and low-cost funding.
  • Capital Adequacy Ratio remained strong at 36.8 percent, well above regulatory thresholds.
Strategic Context:
  • Paisalo continues to lead in co-lending with SBI, PNB, BoB, and others, enabling financial inclusion across 21 states.
  • Customer touchpoints rose 133 percent YoY to 2,844, with total customer franchises crossing 5.3 million.
  • The company’s AI-enabled underwriting and digital onboarding platform support rapid growth without compromising asset quality.
Sources: Evaluate Research, Trendlyne, Paisalo Digital Investor Presentation, Livemint, Goodreturns (July 2025)

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