| Revenue growth | 24% YoY Total Income growth in Q2FY27. |
|---|---|
| Margins | NIM at 5.7%; yields temporarily diluted by back-ended disbursements. |
| Demand visibility | Strong; disbursements up 42% YoY with ~20Mn customer franchise. |
| Management confidence | High; citing early operating leverage and promoter shareholding increase. |
Growth
AUM grew 33% YoY to ₹72,659 Mn; Disbursements increased 42% YoY to ₹15,673 Mn. Interest income rose 28% YoY.
Outlook
Targeting 21% AUM CAGR (FY21-26 levels). Consumer app launching Q3FY27; diversifying funding via NCD shelf limit of ₹900 Cr.
Risks
Temporary yield dilution due to disbursement timing; credit costs and asset quality remaining sensitive to credit cycles.
Last quarter's promises, checked
Delivered
- Guided doubling AUM/Income/PAT in 3 years → AUM grew 33% YoY to ₹72,659 Mn (= BEAT)
- Guided 18 AI bots → 18 bots operational/lifecycle embedded (= BEAT)
- Guided cost reduction via AI/Automation → Headcount reduced 11% YoY despite scale (= BEAT)
Partly delivered
- Guided launch of 3 new products in Q3 end → Consumer app on track for Q3FY27 (= PARTIAL)
Missed
- Guided NIM maintained at 6.6% → delivered 5.7% (= MISS)
- Guided stable/improving yield → temporary yield dilution cited (= MISS)
Investor Presentation filed with BSE, NSE: PAISALO. Summary written with AI assistance from the document.
Paisalo Digital Ltd: key numbers
- Share price
- ₹78.97
- Market cap
- ₹7,182 Cr
- Revenue (annual)
- ₹943.7 Cr
- Net profit (annual)
- ₹237.2 Cr
- P/E (TTM)
- 27.1×Sector 19.7×
- Promoter holding
- 45.22%-1.50% QoQ
- FII holding
- 7.17%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Paisalo Digital Ltd
All →Paisalo Digital Share Pledge
Equilibrated Venture Cflow, a promoter group entity, pledged 2.98 crore Paisalo shares on October 26, 2026. The pledge secures a Rs.25 Crore third-party loan from Jio Credit.
- Value
- ₹25.00 Cr
Paisalo Digital Share Pledge
Promoter group entity Equilibrated Venture Cflow pledged 1,03,63,523 shares, valued at Rs.79.59 Crore, on October 26, 2026. Promoter holding stays at 20.64% after the pledge.
- Value
- ₹79.59 Cr
Paisalo Digital Earnings Call Transcript: Key Takeaways
Management maintains an optimistic outlook on scalability despite weather-related credit headwinds and temporary yield compression caused by late-quarter capital raising.
- Call
- Guides 100% growth
Paisalo Digital Results Update
Paisalo Digital's Q2FY27 AUM grew 33% YoY to Rs 7,265.9 Cr; disbursements surged 42% to Rs 1,567.3 Cr. PAT rose 27% YoY to Rs 65.6 Cr.
Paisalo Digital Legal & Regulatory
Paisalo Digital's board noted the BSE fine under LODR Reg 60(2) and its pending waiver application. The company will follow up on the waiver and ensure future compliance.
Paisalo Digital Q2 FY27 Results: Net Profit ₹65.6 Cr, Up 27.4% YoY
Paisalo Digital Ltd reported revenue from operations of ₹277.3 Cr (+23.8% YoY) and net profit of ₹65.6 Cr (+27.4% YoY) for Q2 FY27.
- Key figure
- Net profit ₹65.6 Cr · +27.4% YoY