| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 260.92 | 8.7% | 34.6% |
| Total Income | 260.92 | 8.7% | 34.6% |
| Expenditure | 163.92 | 8.9% | 24.7% |
| PBT | 97.01 | 9.2% | 53.7% |
| Net Profit | 72.23 | 9.0% | 56.0% |
| OPM | 72.56% | 5.19pp | 5.45pp |
| NPM | 27.68% | 0.08pp | 3.79pp |
| EPS | 0.80 | 9.6% | 56.9% |
Paisalo Digital: PAT Surges 56% YoY to ₹722 Mn in Q4FY26
10 May 2026 · 10 May, 8:01 pm
Summary
Paisalo Digital concluded Q4FY26 with robust financial performance, reporting a significant 56% year-on-year surge in Profit After Tax to ₹722 million and a 35% increase in Total Income to ₹2,609 million. For the full fiscal year 2026, PAT grew by 19% to ₹2,372 million and total income by 22% to ₹9,437 million. The company's Assets Under Management (AUM) expanded by 17% year-on-year to ₹61,009 million, supported by healthy disbursements and improved asset quality, with GNPA and NNPA remaining low. Management highlighted strengthening operating leverage through technology and AI-led efficiencies, coupled with an improved liability franchise, positioning the company for sustained growth and deeper financial inclusion.
Key Highlights
- 1
Assets Under Management (AUM) grew by 17% year-on-year to ₹61,009 million for Q4FY26 and FY26, reflecting continued business momentum.
- 2
Profit After Tax (PAT) surged by 56% year-on-year to ₹722 million in Q4FY26, and increased by 19% year-on-year to ₹2,372 million for the full fiscal year 2026.
- 3
Total Income rose by 35% year-on-year to ₹2,609 million in Q4FY26 and by 22% year-on-year to ₹9,437 million for FY26.
- 4
Net Interest Margin (NIM) improved by 43 basis points year-on-year to 6.8% in Q4FY26, with the cost of borrowing tightening by 32 bps year-on-year to 10.22%.
- 5
Disbursements reached ₹13,440 million in Q4FY26, contributing to total FY26 disbursements of ₹42,620 million.
- 6
Asset quality remained healthy, with Gross Non-Performing Assets (GNPA) at 0.76% and Net Non-Performing Assets (NNPA) at 0.61% for Q4FY26.
- 7
The company expanded its last-mile presence by adding 427 new touchpoints, growing its network to 5,299, and strengthening its customer franchise to approximately 16 million.
Management Comments
Santanu Agarwal
Q4 FY26 marked a strong finish to the year for Paisalo. Our AUM grew 17% YoY to Rs 61,009 Mn and PAT surged 56% YoY to Rs 722 Mn, reflecting improving operating leverage and the strength of our business model. On the ground, we added 427 new touchpoints during the quarter, expanding our network to 5,299 touchpoints and deepening our customer franchise to ~16 million borrowers. Notably, despite continued expansion in our distribution network and growth in AUM, our headcount declined by 3% in FY26, indicating early signs of operating leverage driven by technology and AI-led efficiencies. On the liability side, we made meaningful strides, completing our maiden ECB issuance of USD 15 Mn, reducing cost of borrowing by 32 bps YoY to 10.22%, and reinforcing our credit standing with dual ratings of 'AA/Stable'. As we scale, we continue to leverage AI-led capabilities to improve productivity and execution. With a strong capital base and resilient asset quality, we remain well-positioned to sustain growth and deepen financial inclusion.
Informational and educational content only. Not investment advice.