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Bearish
5
Neutral
3
Bullish
6
Bearish
6
Neutral
3
Bullish
37
Bearish
1
Neutral
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Bullish
31
Discovery themes featuring this stock
Paisalo Digital Limited is a systemically important NBFC focused on inclusive lending to MSMEs, small businesses and income-generation borrowers across India, offering product lines such as small income generation loans, SME/MSME loans and specialized asset finance with a 33-year legacy and AUM of Rs. 55,082 million as of Q3 FY2026.
Management has made AI the company’s strategic core, aiming to double AUM, income and PAT over three years by embedding AI across sourcing, underwriting, collections and a proprietary dynamic business rule engine; Paisalo runs large-scale GenAI calling, AutoML pipelines and plans a MeitY-cloud migration to support this data-led scale.
Q3 FY26 delivered record quarterly PAT of Rs. 663 million and total income of Rs. 2,401 million, while asset quality remained strong with GNPA of 0.83% and NNPA of 0.66%; cost of borrowing declined to 10.3% after raising Rs. 1,885 million at 8.5%, supporting margin stability and funding diversification.
Paisalo’s distribution and inclusion footprint is a competitive advantage: roughly 14 million customers, 4,872 touchpoints across 22 states, a 93% secured portfolio and high collection efficiency of 98.8%, enabling low-ticket, high-frequency lending at scale and facilitating cross-sell and last-mile reach via BC partnerships with SBI and Bank of India.
The liability strategy combines co-lending, bank lines, NCDs, FCCBs and CPs to lower cost of funds and preserve capital adequacy (CAR 38.3%); co-lending (80:20) and diversified NCD/CP issuance are explicit levers to reduce borrowing cost and improve ROA/ROE while preserving balance sheet resilience.
Finance
Non Banking Financial Company (NBFC)
5,329 Cr
Moderate Risk
22.5
17.3
1.5
3.0
61.02
29.40
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stockPaisalo Digital Ltd (PAISALO) is currently trading at 59.65 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Paisalo Digital Limited is a systemically important NBFC focused on inclusive lending to MSMEs, small businesses and income-generation borrowers across India, offering product lines such as small income generation loans, SME/MSME loans and specialized asset finance with a 33-year legacy and AUM of Rs. 55,082 million as of Q3 FY2026. Management has made AI the company’s strategic core, aiming to double AUM, income and PAT over three years by embedding AI across sourcing, underwriting, collections and a proprietary dynamic business rule engine; Paisalo runs large-scale GenAI calling, AutoML pipelines and plans a MeitY-cloud migration to support this data-led scale. Q3 FY26 delivered record quarterly PAT of Rs. 663 million and total income of Rs. 2,401 million, while asset quality remained strong with GNPA of 0.83% and NNPA of 0.66%; cost of borrowing declined to 10.3% after raising Rs. 1,885 million at 8.5%, supporting margin stability and funding diversification. Paisalo’s distribution and inclusion footprint is a competitive advantage: roughly 14 million customers, 4,872 touchpoints across 22 states, a 93% secured portfolio and high collection efficiency of 98.8%, enabling low-ticket, high-frequency lending at scale and facilitating cross-sell and last-mile reach via BC partnerships with SBI and Bank of India. The liability strategy combines co-lending, bank lines, NCDs, FCCBs and CPs to lower cost of funds and preserve capital adequacy (CAR 38.3%); co-lending (80:20) and diversified NCD/CP issuance are explicit levers to reduce borrowing cost and improve ROA/ROE while preserving balance sheet resilience.
Over the past 52 weeks, Paisalo Digital Ltd has traded between a low of ₹29.40 and a high of ₹61.02. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Paisalo Digital Ltd has a market capitalization of approximately 5,328.89. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Paisalo Digital Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 22.47 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 5,328.89 Cr, Paisalo Digital Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Paisalo Digital Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Paisalo Digital Ltd is 22.47. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The provided material states earnings are expected on 10/05/2026, alongside a board meeting scheduled for May 10, 2026 to approve audited results.
The data states Paisalo Digital’s upcoming earnings date is February 6, 2026.
The company informed BSE that a Board of Directors meeting was scheduled on 06/02/2026 to consider and approve those unaudited results.
The stock rose after Paisalo Digital disclosed fresh fundraising plans, including a committee meeting to consider issuing listed, secured NCDs via private placement.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
10.62 | 6,302 Cr | -4847.45 | 7.49 | 0.00 | -0.11 | 0.04 | -0.13 | ||
149.55 | 5,597 Cr | 16.29 | 1.91 | 0.00 | 11.74 | 8.06 | 2.04 | ||
58.40 | 5,329 Cr | 22.47 | 2.98 | 0.17 | 13.23 | 11.24 | 3.77 | ||
292.35 | 5,292 Cr | 14.26 | 1.78 | 0.69 | 12.48 | 10.62 | 2.73 | ||
278.15 | 4,484 Cr | 11.04 | 1.15 | 0.00 | 10.42 | 8.83 | 2.41 | ||
232.95 | 3,771 Cr | 26.85 | 1.00 | 0.00 | -23.17 | -2.76 | 1.48 | ||
571.80 | 3,753 Cr | 29.40 | 2.53 | 0.00 | 8.74 | 7.34 | 3.06 | ||
| Median: 7 Co. | — | 232.95 | 5,292 Cr | 16.29 | 1.91 | 0.00 | 10.42 | 8.06 | 2.41 |
Encumbrance Release
Promoter-group entities Equilibrated Venture Cflow Pvt Ltd, Pri Caf Pvt Ltd and Pro Fitcch Pvt Ltd disclosed release of pledged shares in Paisalo Digital Ltd (Scrip: PAISALO, 532900) to exchanges on 09-10 June 2026.
Encumbrance Release
Promoter group entities Equilibrated Venture Cflow Pvt Ltd, Pri Caf Pvt Ltd and Pro Fitcch Pvt Ltd filed disclosures under Reg.31(1)/(2) on 10‑Jun‑2026 reporting release of pledged shares in Paisalo Digital Limited (Scrip: PAISALO, 532900).
Pledge Release
Promoter group Equilibrated Venture Cflow Pvt Ltd (Mr. Sunil P. Agarwal) disclosed release of pledge of 9,581,000 shares (1.05% of equity) in Paisalo Digital Limited; filed with BSE/NSE on 09‑Jun‑2026.
Encumbrance Disclosure
On 05-Jun-2026 promoter entities (Equilibrated Venture Cflow Pvt Ltd, Pri Caf Pvt Ltd, Pro Fitcch Pvt Ltd and Sulabhya Paramita Pvt Trust) filed disclosures under Reg.31(1)/28(3) reporting creation of pledge encumbrances on Paisalo Digital shares (Scrip: 532900).
Encumbrance (Pledge)
Promoter entities (Equilibrated Venture Cflow Pvt Ltd, Pri Caf Pvt Ltd, Pro Fitcch Pvt Ltd & Sulabhya Paramita Pvt Trust) disclosed creation of pledge/encumbrance on Paisalo Digital Ltd shares (PAISALO:532900) on 05-06-2026.
Promoter Pledge
Pro Fitcch Pvt Ltd disclosed creation of a pledge over 95,81,000 shares (~1.05% of equity) of Paisalo Digital Ltd on 05‑06‑2026; promoter Mr. Sunil P. Agarwal holds 11,52,73,800 shares (12.67%).
