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Paisalo Digital Ltd

₹ 35.60.57%
07 Jan – close price
🔗paisalo.inâ€ĸBSE: 532900â€ĸNSE: PAISALO
Market Cap₹ 3,244 Cr.
Current Price₹ 35.6
High / Low₹ 48.4
Stock P/E15.9
Book Value₹ 18.1
Dividend Yield0.28 %
ROCE13.2 %
ROE13.9 %
Face Value₹ 1.00
Sales₹ 809 Cr.
OPM77.5 %
Mar Cap₹ 3,244 Cr.

ABOUT

Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra.[1][2]

KEY POINTS

Products & Services1. Small Income Generation: Loans for individuals or small businesses to generate income through Umeed, Pragati, and Vikas loan formats.2. Mobility Loan: Financing for purchasing mobility products like auto rickshaws, electric rickshaws, two-wheelers, or tempos.3. Entrepreneurial Loans: Business growth financing, with Udaan offering loans up to Rs. 20 lakhs.4. Corporate Loans: Business loans up to Rs. 500 lakhs for financial progression.5. Business Correspondent: Agreement with State Bank of India as National BC, performing various banking activities via 970+ CSP outlets across India as of FY24.[1][2][3]

Also present in buckets:
Aggressive Growth TriggersExcellent ResultsRevenue GuidanceAsset Base ExpansionCapacity Expansion And ProductsPreferential IssuanceJv Partnerships AcquisitionsCredit Rating UpdatesRed Flags And Poor Performance

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.Bajaj Finance968.8032.92602525.790.454947.7621.8920178.9018.0611.3576194.7468.4818301.084875.365.843.993.85
2.Shriram Finance995.8521.39187383.480.992314.1612.2211912.4418.0710.9545601.3072.598760.032314.223.093.043.87
3.Muthoot Finance3960.1021.76158957.290.662411.6590.367282.7947.7613.1924544.4075.967303.692420.634.844.673.76
4.Tata Capital360.6041.59153048.810.001118.972.017737.187.699.5828323.8571.643658.331097.32–1.725.88
5.Cholaman.Inv.&Fn1786.5032.45150754.430.111159.6119.827491.3819.7610.3428536.7369.184645.191159.615.792.387.23
6.SBI Cards885.6043.9284253.000.28444.779.984960.9812.2110.4019130.5427.491918.14444.775.703.103.33
7.L&T Finance Ltd313.9529.1278569.990.88734.885.644335.757.878.7116715.8260.772698.51734.842.982.373.72
8.Paisalo Digital35.5915.893244.320.2850.812.61215.8322.6813.20808.9077.51204.1150.811.964.392.24
–Median: 97 Co.134.022.68509.250.07.138.5536.9213.449.02164.3656.3317.326.111.973.040.78

Quarterly Results

Standalone figures in ₹ crores

Dec 2022Dec 2023Dec 2024Jun 2023Jun 2024Jun 2025Mar 2023Mar 2024Mar 2025Sep 2022Sep 2023Sep 2024Sep 2025
Sales
–––––––––––––
Expenses
27383318415422534531153650
Operating Profit
–––––––––––––
Other Income
-0-0-0-0-0-0-511-0-0-0-0
Profit before tax
37768251556326496132636768
Tax %
25%26%24%26%26%26%26%26%27%26%25%26%26%
Net Profit
28566238414719364524475051
EPS in Rs
0.310.620.690.420.460.520.220.400.500.270.530.550.56

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
–––––––––––––
Expenses
56495476791051268780109121149182
Operating Profit
–––––––––––––
Other Income
-0-0-0-0-0-0-01-0-4101
Interest
61566588105123134144167180240309345
Depreciation
4656654433358
Profit before tax
8467697783857477106124239265274
Net Profit
56454551565754587992177198205
EPS in Rs
0.690.550.560.630.690.700.640.680.901.021.972.192.27
Dividend Payout %
7%9%9%8%7%7%8%7%6%5%5%5%–

Compounded Profit Growth

10 Years:16%
5 Years:30%
3 Years:36%
TTM:12%

Compounded Sales Growth

10 Years:15%
5 Years:17%
3 Years:27%
TTM:15%

Return on Equity

10 Years:10%
5 Years:11%
3 Years:13%
Last Year:14%

Stock Price CAGR

10 Years:10%
5 Years:0%
3 Years:-3%
1 Year:-22%

Balance Sheet

Standalone figures in ₹ crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
41414141414142424445909091
Reserves
4424794705145636147148129691,1051,2251,4271,557
Borrowings
–––––––––––––
Other Liabilities
188179276287348352244815569133157129
Total Liabilities
1,0601,1121,2931,5341,8531,9532,0702,1222,5493,0373,9035,0865,468
Fixed Assets
33337966646466667576
Gross Block
7.208.598.799.2713.2116.7877.0377.1078.3183.1786.5698.89–
Accumulated Depreciation
4.695.495.796.186.557.3810.7812.8414.7016.9120.1324.29–
CWIP
-0-0-0-0-0-0-0-0-0-0-0-0-0
Investments
944969676666666668676263133
Other Assets
9631,0601,2211,4641,7811,8771,9381,9912,4182,9043,7754,9495,259
Total Assets
1,0601,1121,2931,5341,8531,9532,0702,1222,5493,0373,9035,0865,468

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
31-4510-200-26626-8-127-337-347-669-894
Cash from Investing Activity
2046-2214-4-0-0-3-53-13
Cash from Financing Activity
-103922183264-2430142303371652997
Net Cash Flow
-521011-162-22215-3719-1590

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
––––––––––––
Inventory Days
––––––––––––
Days Payable
––––––––––––
Cash Conversion Cycle
––––––––––––
Working Capital Days
––––––––––––
ROCE %
––––––––––––

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters
45.92%45.92%46.24%47.05%48.86%50.38%51.66%52.38%52.62%50.37%48.21%41.16%
FIIs
19.59%20.11%19.92%17.01%15.66%15.06%13.83%10.72%9.53%10.38%8.08%20.89%
DIIs
13.46%13.32%14.18%14.20%14.15%12.88%12.80%12.69%11.44%10.77%10.34%7.68%
Public
21.02%20.64%19.65%21.73%21.33%21.68%21.71%24.22%26.40%28.47%33.36%30.25%

* The classifications might have changed from Sep'2022 onwards.ℹī¸

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

Paisalo Digital Limited Announces Name Change for Promoter and Managing Director

11th April 2026, 12:01 am

Paisalo Digital Allots Commercial Papers Worth Approx. ₹4.80 Crore

10th April 2026, 6:13 pm

Promoter Group Entity Releases 7.89 Crore Pledged Shares of Paisalo Digital

7th April 2026, 4:30 pm

Promoter Group Entity Releases 40 Lakh Pledged Shares of Paisalo Digital

7th April 2026, 4:29 pm

Promoter group entity releases 40 lakh pledged shares of Paisalo Digital

6th April 2026, 11:28 pm

Published by Other Websites

External media mentions & references

Indian Markets Surge: Suzlon, Railtel Lead Breakout Rally

15th April 2026, 5:35 pm

Analysts back Paisalo Digital at one-year lows, target Rs 75

27th March 2026, 4:04 pm

Tata Steel Merger, SBI Bonds, Varun Beverages Deal: 17 Stocks to Watch

18th March 2026, 8:04 am

Paisalo Digital Secures AA Rating for ₹1500 Cr NCDs, Boosts Funding Access

17th March 2026, 3:09 pm

Price-Volume Breakouts Signal Potential Moves in Indian Stocks

16th March 2026, 5:59 pm

News Articles

Editorial & research coverage

Paisalo Digital: AI Drive Fuels Growth, Valuations Under Scrutiny
Paisalo Digital: AI Drive Fuels Growth, Valuations Under Scrutiny

9th February 2026, 11:38 am

Paisalo Digital: Revenue Soars, But Profit Growth Lags
Paisalo Digital: Revenue Soars, But Profit Growth Lags

6th February 2026, 3:12 pm

Global Tech Rout, AI Race Overshadow Indian Earnings
Global Tech Rout, AI Race Overshadow Indian Earnings

6th February 2026, 7:18 am

Paisalo Digital: Debt Overhaul Fuels Stock Surge
Paisalo Digital: Debt Overhaul Fuels Stock Surge

1st February 2026, 11:34 am

Paisalo Digital Redeems Debt, Raises Capital for Expansion
Paisalo Digital Redeems Debt, Raises Capital for Expansion

24th January 2026, 3:18 pm

Documents

Announcements

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

1d - Revised Disclosure for Regulation 74 (5) of SEBI (Depository and Participants) Regulations, 2018 for the quarter ended 31.12.2025

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

1d - Certificate As per Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended on 31.12.2025

Announcement under Regulation 30 (LODR)-Press Release / Media Release

1d - Raised ~INR 188.5 crore at 8.5% ROI to reduce cost of funds and expand lending.

Closure of Trading Window

27 Dec - Trading window closed Jan 1, 2026 until 48 hours after declaration of results for quarter ended Dec 31, 2025.

Announcement under Regulation 30 (LODR)-Press Release / Media Release

23 Dec - Dec 23, 2025: Paisalo Digital broadens OEM and institutional partnerships across healthcare, agriculture, industrial equipment, solar and mobility.

Annual Reports

Financial Year 2025

(from bse)

Financial Year 2024

(from bse)

Financial Year 2023

(from bse)

Financial Year 2022

(from bse)

Financial Year 2021

(from bse)

Financial Year 2020

(from bse)

Financial Year 2019

(from bse)

Financial Year 2018

(from bse)

Financial Year 2017

(from bse)

Financial Year 2016

(from bse)

Financial Year 2015

(from bse)

Financial Year 2014

(from bse)

Financial Year 2013

(from nse)

Financial Year 2013

(from bse)

Financial Year 2012

(from bse)

Credit Ratings

Rating update

9 Dec from infomerics

Rating update

16 Sep 2025 from infomerics

Rating update

6 Aug 2025 from infomerics

Rating update

23 Jun 2025 from infomerics

Rating update

23 Jun 2025 from infomerics

Rating update

7 Mar 2025 from infomerics

Concalls

Nov 2025

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Oct 2024

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Stock Analysis

Description

  1. Paisalo Digital Limited is a Non-Deposit Taking Non-Banking Financial Company (NBFC) based in India, engaged in providing loans to individuals and small businesses.

Key Growth Triggers

  1. Continuous expansion of its customer base and touchpoints across India.
  2. Strategic implementation of AI and technology for credit risk management and fraud detection.
  3. Forging OEM and institutional partnerships to enhance product accessibility and credit solutions.
  4. Leveraging co-lending models and expanding Banking as a Service (BaaS) offerings.

Order Book

  1. Currently no data available for Order Book.

Key Red Flags

  1. Historically, the company has faced a low interest coverage ratio.
  2. Recent company data indicates a Debt-to-Equity ratio of 2.24 (as of Mar 2025).

Key Dates To Watch

  1. February 6, 2026: Board Meeting to approve Q3 FY26 financial results.

Corporate Announcements

10th Apr 26
Impact Rating: 4
The company has received official notification that Sunil Agarwal, its Promoter and Managing Director cum CEO, has changed his name to Sunil Purushottanm Agarwal.
10th Apr 26
Impact Rating: 6
Paisalo Digital Limited announced the allotment of 100 commercial papers on April 10, 2026, raising approximately ₹4.80 crore through private placement. These papers mature on September 30, 2026, after a tenure of 173 days.
7th Apr 26
Impact Rating: 7
In a regulatory filing, Equilibrated Venture Cflow Pvt. Ltd. announced the release of 7.89 crore pledged shares of Paisalo Digital, reducing its encumbered promoter holding and enhancing financial clarity.
7th Apr 26
Impact Rating: 9
Paisalo Digital: Promoter group entity EQUILIBRATED VENTURE CFLOW PVT. LTD. released 40,00,000 pledged shares on April 2, 2026, originally collateral for company loans.
6th Apr 26
Impact Rating: 9
Promoter group entity Equilibrated Venture Cflow has disclosed the release of 40 lakh pledged shares in Paisalo Digital, effective April 2, 2026. This reduces their encumbered holding to 7.49 crore shares, or 8.24% of total capital.