| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 218.71 | 12.9% |
| Total Income | 218.71 | 12.9% |
| Expenditure | 155.11 | 18.0% |
| PBT | 63.60 | 0.8% |
| Net Profit | 47.17 | 1.9% |
| OPM | 73.19% | 4.82pp |
| NPM | 21.57% | 2.32pp |
| EPS | 0.52 | 2.0% |
Paisalo Digital Reports Highest Ever Total Income, Surpasses 11 Mn Customers Milestone
21 Jul 2025 · 21 Jul 2025, 02:08 pm
Summary
Paisalo Digital, a pioneer in seamless credit distribution services and the administration of income generation loans, announced its financial results for the quarter ended June 30, 2025. The company reported a 14% YoY increase in Assets Under Management (AUM), a 16% YoY increase in disbursement, and a 17% YoY increase in total income. The net interest income increased by 20% YoY and the net worth grew by 15% YoY.
Key Highlights
- 1
AUM at Rs. 52,302 Mn, up 14% YoY
- 2
Disbursement of Rs. 7,581 Mn; up 16% YoY
- 3
Total income increased by 17% YoY from Rs. 1,866 Mn to Rs. 2,187 Mn
- 4
Net Interest Income increased by 20% YoY from Rs. 1,035 Mn to Rs 1,244 Mn
- 5
GNPA and NNPA stood at 0.85% and 0.68% respectively
- 6
Spread on loans stood at 6.5% in Q1FY26 as against 6.2% in Q1FY25
- 7
Collection efficiency for the quarter stood at 99.8%
- 8
Capital Adequacy Ratio remained strong at 39.5%; Tier 1 capital at 30.4%
- 9
Net Worth grew by 15% YoY to Rs 15,746 Mn
- 10
Total geographic footprint as at Q1FY26 stood at 3,997 touchpoints across 22 states
Management Comments
Mr. Santanu Agarwal
Deputy Managing Director of Paisalo Digital Ltd
Q1 FY26 marks a good start to the year for Paisalo Digital, as we delivered our highest-ever Total Income and achieved a significant milestone of crossing 11 million customers. The addition of approximately 1.5 million customers in a single quarter highlights the growing relevance of our inclusive, last-mile credit model. Our disciplined underwriting practices and robust risk management systems are reflected in our healthy asset quality, with Gross and Net NPAs contained at 0.85% and 0.68%, respectively. We remain focused on scaling responsibly, innovating continuously, and empowering millions more in the quarters ahead.
Informational and educational content only. Not investment advice.