Paisalo Digital ka record PAT! Share mein aayegi kya tezi? AI se doubled growth ka target!

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AuthorAarav Shah|Published at:
Paisalo Digital ka record PAT! Share mein aayegi kya tezi? AI se doubled growth ka target!
Overview

Bhai log, Paisalo Digital ne Q3 FY2026 mein kamaal kar diya! Company ne apna sabse highest ever quarterly PAT, yaani **INR 663 million**, report kiya hai. Aur AUM bhi **16%** YoY badh kar **INR 55,082 million** ho gaya. Lagta hai paisa ban raha hai!

Paisalo Digital ki Q3 FY26 Results: Numbers Kya Kehte Hain?

So, Paisalo Digital ne Q3 mein ₹663 million ka PAT dikhaya, jo pichle quarter se 29% zyada hai! Aur yeh company ka history mein sabse acha quarterly PAT hai. AUM (Assets Under Management) bhi 16% YoY badh kar INR 55,082 million pahunch gaya. Company ki total income bhi 18% YoY badh kar INR 2,401 million rahi, jabki Net Interest Income 19% YoY badh kar INR 1,453 million ho gaya. PBT (Profit Before Tax) INR 888 million tha. Agar pichle 9 mahine ki baat karein toh, cumulative disbursements 21% YoY badh kar INR 29,180 million aur cumulative PAT INR 1,650 million raha.

Asset Quality & Borrowing Cost: Sab Set Hai?

Asset quality toh inki hamesha solid rehti hai. Gross NPA abhi bhi 1% se niche, 0.83% par hai aur Net NPA toh 0.66% pe hai. Collection efficiency bhi 98.8% jaise zabardast hai. Achhi baat yeh bhi hai ki borrowing cost kam ho gaya hai. Ab yeh 10.3% par hai, jo 92 basis points kam hai YoY. Fundraising bhi 8.5% jaise kam rate par hui hai.

SBI Partnership Delay Aur Future Plan?

Management ne bataya ki SBI ke saath co-lending partnership mein thoda delay aa gaya hai. Ab yeh Q1 FY2027 tak hi aa payega, kyunki RBI ke naye guidelines ko follow karna padega account opening, credit bureau reporting aur KYC ke mamle mein. ROA mein jo thodi kami dikhi hai (4.4% se 3.8%), woh balance sheet size badhne ki wajah se hai, jisme company ko recovery ki umeed hai. Aur haan, geographical concentration (portfolio ka 90% 5 states mein) bhi dre dre kam ho raha hai, target hai ki ek state se 20% se kam ho.

Aage Kya? AI Aur Doubled Growth Ka Target!

Paisalo Digital ne apna target dobara confirm kiya hai ki woh next 3 saal mein apna AUM, income aur PAT double karenge. Iske liye woh 25% AUM CAGR (Compound Annual Growth Rate) ka target leke chal rahe hain. Company ka pura focus AI (Artificial Intelligence) par hai, jisse customer acquisition, underwriting aur delinquency detection mein help milegi. Promoter holding ka 41.7% tak badh jana bhi company ke future par unke confidence ko dikhata hai. Ab sabki nazar SBI partnership par hogi aur AI kaise kaam karta hai, woh dekhna hai.

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