| Metric | Value (₹ Cr) | vs Q2 FY26 |
|---|---|---|
| Revenue | 240.05 | 7.2% |
| Total Income | 240.05 | 7.2% |
| Expenditure | 150.47 | 2.9% |
| PBT | 88.80 | 28.7% |
| Net Profit | 66.26 | 28.6% |
| OPM | 77.75% | 2.33pp |
| NPM | 27.60% | 4.59pp |
| EPS | 0.73 | 28.1% |
Paisalo Digital Reports Robust AUM Growth of 16% YoY to Rs 55,082 Mn and Total Income Growth of 18% YoY to Rs 2,401 Mn
09 Feb 2026 · 9 Feb, 10:39 am
Summary
Paisalo Digital, a digitally enabled NBFC, announced its financial results for the quarter ended December 31, 2025. The company reported a 16% YoY increase in Assets Under Management (AUM) to Rs 55,082 Mn and an 18% YoY increase in Total Income to Rs 2,401 Mn. The highest quarterly PAT stood at Rs 663 Mn with a healthy and stable asset quality. The company also broadened its reach with the addition of 492 new touch points and expanded its customer franchise to a record ~14 Mn.
Key Highlights
- 1
AUM increased 16% YoY at Rs 55,082 Mn
- 2
Disbursements rose 7% YoY, at Rs 10,574 Mn
- 3
Broadened reach with addition of 492 new touch points
- 4
Customer franchise expanded to a record ~14 Mn
- 5
GNPA and NNPA stood at 0.83% and 0.66% respectively
- 6
Collection efficiency for the quarter stood at 98.8%
- 7
Total borrowings stood at Rs 38,579 Mn as of December’25
- 8
Cost of borrowing improved significantly to 10.3%
- 9
Total income increased by 18% YoY from Rs 2,038 Mn to Rs 2,401 Mn
- 10
Net Interest Income increased by 19% YoY from Rs 1,217 Mn to Rs 1,453 Mn
- 11
Capital Adequacy Ratio remained robust at 38.3%
- 12
Net Worth grew by 18% YoY to Rs 17,404 Mn
Management Comments
Mr. Santanu Agarwal
Deputy Managing Director of Paisalo Digital Ltd
Progress on India-US trade engagement, along with favorable macro policies have strengthened India’s economic outlook. The Union Budget 2026 further reinforced policy support for MSMEs through enhanced credit guarantees, improved access to growth capital, and stronger receivables-financing mechanisms, creating a favorable environment for sustained MSME growth and formal credit expansion. Q3 FY26 marked another quarter of disciplined, sustainable growth for Paisalo. We expanded AUM by 16% YoY to Rs 55,082 Mn and delivered our highest -ever quarterly PAT of Rs 663 Mn, underscoring the strength of our operating model and stable asset quality. Our customer franchise reached ~14 million, with about 1.6 million additions this quarter. We also raised Rs 1,885 Mn at an 8.5% cost of funds, optimizing our liability profile to support capital efficient growth across MSME and income -generation lending. Paisalo has embarked on a transformational journey to become an Al-first franchise, embedding Al across its lending, risk, and operations stack. By integrating advanced data ecosystems, automated workflows, and intelligent customer journeys, Paisalo is building a future -ready platform to drive sustainable, tech-led growth.
Informational and educational content only. Not investment advice.