New Delhi, August 5: Paisalo Digital Ltd reported a strong start to FY27, posting robust growth across key financial metrics for the quarter ended June 30, 2026. The NBFC delivered a 128% year-on-year surge in loan disbursements, while Assets Under Management (AUM) climbed 28% YoY to ₹6,707.4 crore, driven by strong credit demand, AI-led operational efficiencies, and an expanding distribution network.
The company announced its financial results through a regulatory filing under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
Paisalo Digital Q1 FY27 Highlights
Paisalo Digital reported loan disbursements of ₹1,730.9 crore during Q1 FY27, compared with ₹758.1 crore in the corresponding quarter last year, reflecting sustained demand from SMEs, MSMEs, and micro-enterprises.
The company’s AUM increased to ₹6,707.4 crore, up from ₹5,230.2 crore a year earlier.
Profit and Revenue Grow Strongly
- Profit After Tax (PAT): ₹61.3 crore, up 30% YoY
- Total Income: ₹260.3 crore, up 19% YoY
- Net Interest Income (NII): ₹144.7 crore, up 16% YoY
- Net Interest Margin (NIM): Stable at 6.6%
The company said improved operational efficiencies and disciplined execution helped maintain healthy profitability despite continued investments in growth.
AI-Led Strategy Drives Operational Efficiency
Paisalo Digital highlighted the growing impact of artificial intelligence across its operations.
During the quarter, the company:
- Processed 1.8 lakh loan applications
- Managed 5 lakh AI voice interactions
- Expanded to 18 live AI bots, up from seven in the previous quarter
- Conducted nearly 2 lakh AI-powered outbound calls daily
The company added that AI initiatives contributed to a 2% reduction in headcount while improving customer engagement and productivity.
Asset Quality Improves Further
Paisalo continued to strengthen its loan book quality.
- Gross NPA (GNPA): Improved to 0.70% from 0.84% a year ago
- Net NPA (NNPA): Declined to 0.49% from 0.68%
The improvement reflects disciplined underwriting standards and prudent risk management.
Lower Borrowing Costs Strengthen Margins
The company’s liability profile also improved during the quarter.
- Total Borrowings: ₹4,846.7 crore
- Cost of Borrowing: Reduced by 64 basis points YoY to 10.1%
Management attributed the decline to a diversified funding mix and stronger liability franchise.
Distribution Network Expands
Paisalo Digital continued to deepen its presence across India.
Key operational highlights include:
- 5,995 customer touchpoints across the country
- 696 new touchpoints added during the quarter
- 424 branches
- Customer base expanded to nearly 1.8 crore, including 18 lakh new customers added during Q1 FY27.
Capital Position Remains Strong
The company maintained a healthy balance sheet with:
- Capital Adequacy Ratio: 33.1%
- Tier-I Capital Ratio: 26.8%
- Net Worth: Increased 15% YoY to ₹1,829.8 crore
Management Commentary
Deputy Managing Director Santanu Agarwal said the quarter reflected Paisalo Digital’s ability to deliver profitable growth while leveraging technology and AI to improve operational efficiency and customer experience.
He added that the company’s focus remains on expanding financial inclusion through deeper market penetration, diversified funding sources, prudent risk management, and sustainable long-term growth.
Paisalo Digital Q1 FY27 at a Glance
| Metric | Q1 FY27 | YoY Growth |
|---|---|---|
| AUM | ₹6,707.4 crore | +28% |
| Disbursements | ₹1,730.9 crore | +128% |
| Total Income | ₹260.3 crore | +19% |
| PAT | ₹61.3 crore | +30% |
| NII | ₹144.7 crore | +16% |
| GNPA | 0.70% | Improved |
| NNPA | 0.49% | Improved |
| Cost of Borrowing | 10.1% | Down 64 bps |
