Date: October 01, 2026
Strategic Capital Market Initiatives
Paisalo Digital Limited executed a series of strategic capital market, liability management and balance sheet strengthening initiatives during the half-year ended September 2026 (H1 FY27).
Funding Base Strengthening
- Strengthened access to long-term capital through a ~₹294.9 crore public NCD issue under its ₹900 crore shelf programme
- Executed a ₹124.47 crore listed, dual rated, unsecured private placement NCD issuance in September 2026
- Total NCD fundraising: ₹419.37 crore
- These transactions reflect strong investor confidence and broaden the Company's funding base
Commercial Paper Diversification
- Raised over ₹177 crore through Commercial Paper issuances during H1 FY27
- Included ₹20 crore raised through CP issuances in September 2026
- Demonstrates continued access to short-term capital markets
- Enhances funding flexibility, liquidity management, and cost-efficient resource mobilization
FCCB Conversion Activity
- Conversion requests received from FCCB holders during September 2026
- Underscores continued investor confidence in Paisalo's business model and growth trajectory
Proactive Liability Management
- Successfully redeemed debt obligations during September 2026:
- ₹94 crore of unlisted NCDs on maturity
- ₹50 crore of listed secured NCDs on maturity
- Total debt redemption: ₹144 crore
- Demonstrates strong liquidity management and commitment to timely debt servicing
Promoter Confidence
- Promoter group entities increased their shareholding through open-market purchases during September 2026
- Combined with acquisitions made earlier in Q1 FY27, promoter shareholding increased by ~4.97% during H1 FY27
- Reflects strong promoter conviction in the Company's long-term strategy and business fundamentals
Management Commentary
Santanu Agarwal, Deputy Managing Director, commented: "First half of FY2026 has been a significant period for Paisalo Digital. The successful execution of fund-raising transactions, FCCB conversion initiatives, debt redemptions and continued promoter participation reflects the resilience of our business model and the confidence of investors and stakeholders in our long-term vision. These initiatives further strengthen our balance sheet, diversify our funding mix and position the Company to capture future growth opportunities."
Business Overview
Paisalo Digital Limited is a technology-enabled lending platform focused on expanding formal credit access to micro-enterprises, MSMEs and underserved borrowers across India. The company has a wide geographic reach with a network of 5,995 touch points across 23 states & UTs in India.