Paisalo Digital Ltd

Paisalo Digital Ltd has announced that Equilibrated Venture Cflow Private Limited, a promoter group entity, has created a pledge on 1,03,63,523 shares, representing 1.10% of the total share capital. This pledge was created on October 26, 2026, as collateral for loans taken by a third party, Jio Credit Limited. The disclosure was made on October 28, 2026, in compliance with SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011. This action impacts the promoter group's direct control over these shares.

Paisalo Digital Limited has disclosed the creation of pledged shares by its promoter group entity, EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED. The disclosure, made under SEBI (SAST) Regulations, 2011, details the encumbrance of 2,97,95,479 shares, representing 3.17% of the total share capital and 20.70% of the promoter's holding. The shares were pledged as collateral for loans taken by a third party, Jio Credit Limited, on October 26, 2026. This action signifies a change in the shareholding structure from a promoter's perspective.

Paisalo Digital reported a strong Q2FY27 performance with disbursements rising 42% year-on-year to ₹15,673 Mn and Assets Under Management (AUM) growing 33% YoY to ₹72,659 Mn. Total income increased by 24% YoY to ₹2,773 Mn, and Profit After Tax (PAT) saw a 27% YoY jump to ₹656 Mn. The company also improved its asset quality, with GNPA and NNPA decreasing by 15bps and 19bps YoY, respectively. Paisalo is leveraging AI for operational efficiencies, which helped reduce headcount by 11% YoY. The company is preparing to launch a consumer-facing digital platform and has expanded its distribution network to 6,415 touchpoints.

Paisalo Digital Ltd's Board of Directors met on October 22, 2026, to discuss a fine imposed by BSE for non-compliance with SEBI (LODR) Regulations, 2015. The company has applied to BSE for a waiver of this fine, with Case no. 283222. The Exchange's decision is pending. The Board has instructed the Company Secretary and Compliance Officer to follow up on the waiver application and ensure future regulatory compliance.

Paisalo Digital Ltd announced the approval of its Unaudited Financial Results (Standalone and Consolidated) for the quarter and half-year ended September 30, 2026. The Board of Directors reviewed the Limited Review Report alongside the financial statements. The board meeting commenced at 09:30 A.M. and concluded at 10:25 A.M. The company has provided detailed statements of standalone unaudited financial results, including various income and expense heads, and comprehensive income.

Paisalo Digital's consolidated (primary) PAT came in at ₹65.64 Cr for Q2 FY27, up 27.3% YoY from ₹51.54 Cr and up 7.1% QoQ from ₹61.31 Cr, on consolidated revenue of ₹277.31 Cr (+23.8% YoY, +6.5% QoQ). Standalone tracked closely — PAT ₹65.05 Cr, +28.0% YoY — so there is no material standalone/consolidated divergence this quarter. Against our pre-result preview, which pegged on-plan expectations at ~₹285 Cr revenue and ~₹70 Cr PAT with Street (JM Financial, Kotak Securities) rating the stock Neutral on valuation, the actual print landed light: revenue ~2.7% below plan and PAT ~6.2% below plan, making this a modest miss versus the bar the market had set rather than a beat. On management's own guidance — the reaffirmed 3-year target to roughly double AUM, income and net profit (~26% CAGR) — the 27.3% YoY consolidated PAT growth is essentially in line with, and marginally ahead of, that trajectory, so the headline growth guidance stands met. The one guided metric that did slip is NIM: management had maintained NIM at 6.6% as of the last concall, but this filing's H1 FY27 consolidated NIM comes in at 6.46% (6.43% standalone) per the regulatory ratio disclosures — a modest compression versus the guided level even as bottom-line margins improved, with consolidated net profit margin expanding to 23.67% of total income from 23.01% a year ago and 23.56% last quarter. The NPM expansion came alongside continued improvement in asset quality: consolidated GNPA fell to 0.65% and NNPA to 0.45%, both better than the 0.70%/0.49% levels flagged as a watch item pre-result, suggesting credit costs are not the drag on NIM — funding cost or book mix more likely is. On the balance sheet, consolidated loans grew to ₹7,114.40 Cr as of September 30, 2026 from ₹5,929.51 Cr at FY26-end, a ~20% half-year expansion, funded in part by the quarter's NCD and commercial-paper issuances (~₹295 Cr raised across nine NCD/CP series per Note 5) and the conversion of 2,500 FCCBs into 46.27 lakh equity shares at a ₹44.74 premium (Note 6). No management press release was available in the context to cross-check qualitative framing of the quarter. Taken together, the quarter confirms the growth trajectory management guided to, but at a pace that is sequentially cooler than Q1 and a touch light of what the Street had priced in going into the print — consistent with the maturation-risk debate flagged pre-result rather than a resolution of it.

Paisalo Digital Ltd has announced a revised disclosure regarding the encumbrance of promoter shares. Promoter Santanu Agarwal submitted a revised disclosure under SEBI (SAST) Regulations, 2011, due to a clerical error in the previous filing. The revised disclosure details the pledge of shares by Santanu Agarwal and Mr. Sunil Purushottam Agarwal for maintaining margin on availed margin trading facilities. These pledges do not involve any transfer of ownership or control of shares. The revised filing clarifies the reasons for the encumbrance and the specific entities in whose favor the shares are pledged, such as Motilal Oswal Financial Services Limited.

Paisalo Digital Ltd announced that the Exchange has received a revised disclosure under Regulation 31(1) and 31(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011, from promoter Santanu Agarwal. This revision, dated October 13, 2026, supersedes a previous intimation from September 29, 2026. The updated filing addresses a clerical error concerning the encumbered holding of shares. The disclosure details the creation of a pledge on shares held by Santanu Agarwal, primarily for maintaining margin requirements. This action does not involve a transfer of ownership or control. The filing also provides details on other promoters and their shareholding, including encumbrances.

Paisalo Digital Limited has received a revised disclosure from promoter Santanu Agarwal regarding the encumbrance of shares. The revision is due to a clerical error in the previously submitted disclosure concerning the creation of a pledge. The updated filing clarifies the details of pledged shares, the reasons for encumbrance (loan against security), and the entities in whose favor the shares are encumbered. This filing is in compliance with SEBI (SAST) Regulations, 2011, ensuring transparency in promoter shareholding and pledge activities.

Paisalo Digital Ltd has received a revised disclosure under SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011, from promoter Santanu Agarwal. The revision, dated October 13, 2026, corrects a clerical error in the previously submitted disclosure regarding the encumbrance of shares. The original disclosure was made on September 7, 2026. The filing details the creation of a pledge on shares held by Santanu Agarwal and other promoters, primarily for 'Loan against Security'. Specific details of encumbered shares and the entities in whose favor they are encumbered are provided, including CARWIN TRADING PRIVATE LIMITED, BIKEWIN TRADING PRIVATE LIMITED, PRO FITCCH PVT. LTD., PRI CAF PVT. LTD., and EQUILIBRATED VENTURE CFLOW PVT. LTD.