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Paisalo Digital Ltd.

FinanceFinance - NBFC

www.paisalo.in BSE: 532900NSE: PAISALO

₹84.94BSE2.10%

16 Sep, 4:01 PM

₹84.94

₹7.70K Cr

30.62

4.24

14.52%

₹85.56

₹81.11

₹87.77

₹30.00

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Price Performance

Peer Comparison

Name
BAJFINANCE BAJFINANCE	1,008.50	30.93	6,27,887.49	0.59	6,080.60	27.60%	23,165.45	19.58%	10.87
SHRIRAM TRAN SHRIRAMFIN	981.05	20.40	2,30,845.48	1.10	3,452.77	59.90%	13,400.43	16.16%	11.49
CHOLAFIN CHOLAFIN	1,767.05	26.25	1,50,960.95	0.11	1,656.22	45.56%	8,856.29	21.87%	9.70
JIOFIN JIOFIN	225.00	71.90	1,48,570.69	0.27	830.25	155.73%	2,004.47	227.28%	2.11
TATACAP TATACAP	343.50	26.96	1,45,811.25	0.17	1,628.18	56.42%	8,821.93	15.10%	8.66
BAJ HOLD INV BAJAJHLDNG	10,925.00	13.73	1,21,588.16	1.78	2,708.08	-22.71%	394.33	21.46%	14.81
MUTHOOT FIN MUTHOOTFIN	2,766.50	9.77	1,11,066.25	1.08	2,824.84	43.08%	8,671.60	34.44%	15.87
Paisalo Digital Ltd. PAISALO	84.94	30.62	7,695.46	0.12	61.31	29.98%	260.29	19.01%	12.38

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	195.29	186.55	187.03	203.75	193.77	218.71	224.01	240.05	260.92	260.29
Expenses	59.27	46.71	41.52	38.14	43.38	58.64	55.06	52.63	71.60	58.18
	136.02	139.84	145.50	165.62	150.39	160.07	168.95	187.43	189.33	202.11
	69.65%	74.96%	77.80%	81.28%	77.61%	73.19%	75.42%	78.08%	72.56%	77.65%
	0.48	0.00	0.00	0.00	0.78	0.00	0.00	-0.78	0.00	0.00
Interest	85.96	83.08	77.32	82.08	85.83	94.27	97.77	94.71	87.58	115.58
	0.92	0.96	1.05	1.23	2.23	2.20	2.18	3.13	4.73	4.33
	49.61	55.80	67.14	82.30	63.11	63.60	69.00	88.80	97.01	82.21
	26.20%	25.65%	25.65%	24.15%	26.66%	25.83%	25.30%	25.38%	25.54%	25.41%
	36.61	41.49	49.92	62.43	46.29	47.17	51.54	66.26	72.23	61.31
	0.41	0.46	0.56	0.70	0.51	0.52	0.57	0.73	0.79	0.67

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	392.22	473.19	658.75	771.11	943.70
Operating Income (Net)	392.22	473.19	658.75	771.11	943.70
EXPENDITURE :
Employee Cost	20.70	28.33	42.54	56.10	69.06
Operating & Establishment Expenses	3.15	6.45	22.92	18.30	29.17
Administrations & Other Expenses	17.64	39.66	65.28	63.49	85.07
Provisions and Contingencies	57.52	56.90	13.90	33.07	61.29
	99.00	131.34	144.63	170.96	244.58
Operating Profit (Excl OI)	293.22	341.85	514.12	600.15	699.12
	0.01	0.13	0.06
	293.22	341.98	514.18	600.15	699.12
Interest	184.11	208.67	270.07	328.31	374.33
	1.96	2.55	3.40	4.27	5.59
Profit Before Taxation & Exceptional Items	107.15	130.77	240.71	267.57	319.19
Exceptional Income / Expenses	-0.03	-4.53	0.48	0.78	-0.78
	107.12	126.24	241.18	268.36	318.41
Provision for Tax	27.87	32.62	62.21	68.24	81.20
	79.25	93.62	178.97	200.12	237.21
Extra items			0.00	0.00	0.00
Consolidated Net Profit	79.25	93.62	178.97	200.12	237.21
Profit Balance B/F	1.37	3.39	8.48	14.66	21.78
Appropriations	80.62	97.01	187.46	214.78	258.99
Equity Dividend %	10.00%	10.00%	10.00%	10.00%	10.00%
	18.05	2.08	1.99	2.22	2.61
Adjusted EPS	0.90	1.04	1.99	2.22	2.61

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	43.92	44.91	89.81	90.22	90.96
Share Warrants & Outstandings	17.45
Total Reserves	962.10	1,117.63	1,239.61	1,444.76	1,702.02
Reserve excluding Revaluation Reserve	958.65	1,114.27	1,236.34	1,441.59	1,698.93
Revaluation reserve	3.45	3.36	3.27	3.18	3.09
	1,023.47	1,162.54	1,329.42	1,534.98	1,792.98
Secured Loans	204.46	585.53	1,219.76	1,985.40	2,986.86
Unsecured Loans	463.71	488.98	693.63	1,089.79	1,212.67
Deferred Tax Assets / Liabilities	2.74	-0.51	-8.58	5.07	13.16
Long Term Provisions	10.57	12.88	15.99	20.03	23.91
Total Non-Current Liabilities	681.48	1,086.88	1,920.79	3,100.29	4,236.61
Trade Payables	15.10	13.14	29.24	66.58	46.92
Other Current Liabilities	5.89	23.56	62.90	33.67	29.34
Short Term Borrowings	1,007.79	1,042.68	742.01	484.28	160.14
Short Term Provisions	117.32	107.59	100.52	89.39	106.86
Total Current Liabilities	1,146.11	1,186.97	934.68	673.91	343.26
Total Liabilities	2,851.05	3,436.39	4,184.89	5,309.18	6,372.84
Gross Block	78.62	83.49	86.88	99.21	114.37
Less: Accumulated Depreciation	15.00	17.21	20.43	24.60	30.15
Net Block	63.62	66.28	66.44	74.61	84.22
Non Current Investments	23.90	23.90	17.80	17.80	17.80
Long Term Investment	23.90	23.90	17.80	17.80	17.80
Long Term Loans & Advances	0.23	0.27	0.36	0.32	0.45
Other Non Current Assets	0.60	0.85	0.41	0.13	0.02
Total Non-Current Assets	88.35	91.30	85.01	92.86	102.49
Currents Investments	1.78	1.28	2.24	2.51	2.01
Sundry Debtors	28.07	9.75	12.25	21.21	17.66
Cash and Bank	10.34	29.11	14.58	104.81	150.01
Other Current Assets	48.57	63.59	50.28	24.77	7.79
Short Term Loans and Advances	2,673.19	3,241.35	4,020.53	5,046.76	6,055.84
Total Current Assets	2,761.95	3,345.08	4,099.88	5,200.06	6,233.31
Net Current Assets (Including Current Investments)	1,615.84	2,158.11	3,165.20	4,526.15	5,890.05
Miscellaneous Expenses not written off	0.74			16.26	37.04
Total Assets	2,851.05	3,436.39	4,184.89	5,309.18	6,372.84
Total Debt	1,675.96	2,117.19	2,655.40	3,559.47	4,359.67
	228.14	25.82	14.77	16.80	19.27
Adjusted Book Value	11.41	12.91	14.77	16.80	19.27

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	291.26	339.44	510.78	595.88	693.53
Adjustment	59.48	59.31	16.26	34.44	62.15
Changes In working Capital	-530.83	-601.45	-752.61	-1,072.26	-1,086.35
Cash Flow after changes in Working Capital	-180.09	-202.70	-225.57	-441.94	-330.68
Cash Flow from Operating Activities	-396.38	-452.17	-569.75	-841.53	-782.76
Cash Flow from Investing Activities	-3.08	-5.07	2.60	-12.68	-15.21
Cash Flow from Financing Activitie	362.03	476.01	552.61	944.44	843.17
Net Cash Inflow / Outflow	-37.44	18.77	-14.53	90.23	45.20
Opening Cash & Cash Equivalents	47.78	10.34	29.11	14.58	104.81
Closing Cash & Cash Equivalent	10.34	29.11	14.58	104.81	150.01

Ratios

Valuation

30.62

4.24

15.92

7.81

2.76

19.95

Profitability

14.52

12.38

4.06

74.08

25.14

Leverage & Liquidity

2.49

18.16

1.85

Returns

0.12

0.16

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	51.66	52.38	52.61	50.37	48.21	41.16	41.75	41.75	46.72
	26.63	23.41	20.98	21.15	18.43	28.57	27.77	24.38	13.62
	21.71	24.22	26.41	28.47	33.37	30.27	30.49	33.87	39.67
	48.34	47.62	47.39	49.63	51.79	58.84	58.25	58.25	53.28
No. of Shareholders	57,711	71,338	78,788	85,096	99,608	1,14,723	1,09,247	1,01,364	90,332

Corporate Actions

Showing: All

Date	Type	Details	Ex-Date	Record Date
2026-08-21	AGM
2026-07-13	Board Meeting	Quarterly Results
2026-05-11	Ex Dividend	Rs.0.1000 per share(10%)Final Dividend	2026-09-11	2026-09-14

Insider Trading

Date	Person	Category	Transaction Type	Shares
2026-09-07	SULABHYA PARAMITA Pvt TRUST		Buy	4,350,000
2026-06-04	Equilibrated Venture Cflow Pvt Ltd	Market	Buy	400,000
2026-06-04	Pri Caf Pvt Ltd	Market	Buy	400,000
2026-06-04	Pro Fitcch Pvt Ltd	Market	Buy	1,310,000
2026-06-03	SULABHYA PARAMITA PvtTRUST	Market	Buy	1,550,000
2026-06-03	SULABHYA PARAMITA PvtTRUST	Market	Buy	2,800,000
2026-06-03	Sunil Purushottanm Agarwal	Market	Buy	1,800,000
2026-06-03	Equilibrated Venture Cflow Pvt Ltd	Market	Buy	900,000
2026-06-03	Pri Caf Pvt Ltd	Market	Buy	900,000
2026-06-03	Santanu Agarwal	Market	Buy	1,800,000
2026-06-02	Pro Fitcch Pvt Ltd	Market	Buy	630,000
2026-06-02	Equilibrated Venture Cflow Pvt Ltd	Market	Buy	630,000
2026-06-02	Pri Caf Pvt Ltd	Market	Buy	630,000
2026-06-01	Santanu Agarwal	Market	Buy	1,800,000
2026-06-01	SULABHYA PARAMITA PvtTRUST	Market	Buy	2,800,000
2026-06-01	Sunil Purushottanm Agarwal	Market	Buy	1,800,000
2026-05-29	Equilibrated Venture Cflow Pvt Ltd	Market	Buy	1,500,000
2026-05-29	Pri Caf Pvt Ltd	Market	Buy	1,500,000
2026-05-29	Pro Fitcch Pvt Ltd	Market	Buy	1,500,000
2026-05-27	Santanu Agarwal	Market	Buy	1,281,000

Sector Overview

FinanceFinance - NBFC

Paisalo Digital Ltd. operates in the Finance sector under the Finance - NBFC industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

11 members across the board and senior leadership

Manendra Singh

Company Secretary & Chief Compliance Officer

—

Sunil Agarwal

Managing Director & Chief Executive Officer

₹3.94 Cr

Mar '26

Harish Singh

Whole Time Director & Chief Financial Officer

₹65.34 L

Mar '26

Anoop Krishna

Whole Time Director

₹52.72 L

Mar '26

Vinod Kumar

Whole Time Director

₹50.16 L

Mar '26

Santanu Agarwal

Deputy Managing Director

₹1.80 Cr

Mar '26

Raman Aggarwal