Date: August 05, 2026

Financial Performance Summary Q1FY27

Key Financial Metrics

| Particulars | Q1FY27 | Q1FY26 | YoY Change | Q4FY26 | QoQ Change |

| AUM (Rs Mn) | 67,074 | 52,302 | +28% | 61,009 | +10% |

| Disbursement (Rs Mn) | 17,309 | 7,581 | +128% | 13,440 | +29% |

| Total Income (Rs Mn) | 2,603 | 2,187 | +19% | 2,609 | - |

| PAT (Rs Mn) | 613 | 472 | +30% | 722 | (15%) |

| Net Interest Margin (%) | 6.6% | 6.5% | +4 Bps | 6.8% | (26 Bps) |

| GNPA (%) | 0.70% | 0.84% | (14 Bps) | 0.76% | (6 Bps) |

| NNPA (%) | 0.49% | 0.68% | (19 Bps) | 0.61% | (12 Bps) |

Assets Under Management and Disbursement

  • AUM grew 28% YoY to Rs 67,074 Mn, reflecting continued business momentum
  • Disbursements stood at Rs 17,309 Mn in Q1FY27, surging 128% YoY
  • Quarterly disbursement growth of 29% QoQ from Rs 13,440 Mn in Q4FY26

Income and Profitability

  • Total income increased by 19% YoY to Rs 2,603 Mn
  • Net interest income increased by 16% YoY to Rs 1,447 Mn
  • Net Interest Margin remained stable at 6.6% in Q1FY27
  • Profit After Tax stood at Rs 613 Mn, up by 30% YoY
  • Return on Assets at 3.6% and Return on Equity at 13.4%

Asset Quality

  • Gross NPA improved by 14 bps YoY to 0.70% (from 0.84% in Q1FY26)
  • Net NPA improved by 19 bps YoY to 0.49% (from 0.68% in Q1FY26)
  • Sequential improvement from Q4FY26 levels of 0.76% GNPA and 0.61% NNPA

Distribution Network and Customer Base

  • Strengthened last-mile presence with a network of 5,995 touchpoints
  • Added 696 new touchpoints during Q1FY27
  • Network of 424 branches to support wider reach
  • Customer franchise strengthened to ~18 million customers
  • Added ~1.8 million new customers during Q1FY27

Borrowings and Capital Structure

  • Total borrowings stood at Rs 48,467 Mn as of June 2026
  • Cost of borrowing improved by 64 bps YoY to 10.1%
  • Capital Adequacy Ratio remained strong at 33.1%
  • Tier 1 capital at 26.8%
  • Net Worth grew by 15% YoY to Rs 18,298 Mn

AI-Driven Operational Efficiency

  • Processed 180,000 applications in Q1 (vs 160,000 in Q4FY26)
  • Handled 500,000 voice data conversions (vs 350,000 in Q4FY26)
  • Deployed 18 live AI bots (vs 7 in Q4FY26)
  • Making 200,000 AI-driven promotional outbound calls daily (vs 150,000 in Q4FY26)
  • AI-led efficiencies helped reduce headcount by 2% YoY to 3,018 employees

Management Commentary

Mr. Santanu Agarwal, Deputy Managing Director, commented: \"The quarter underscores Paisalo's ability to deliver growth with discipline. We are seeing the benefits of our distribution strength, technology investments, and customer-centric approach reflected in business momentum.\"

He emphasized the increasing use of AI-led capabilities to improve productivity, sharpen execution, and enhance decision-making across the franchise. The company remains focused on strengthening the foundation through diversified funding profile, broader liability access, and prudent risk management.

Conference Call Details

  • Date: Thursday, August 6, 2026
  • Time: 4:00 PM IST
  • Registration Link: https://zoom.us/webinar/register/WN_hPle8nLKRiCsJNyA3DHWMA

Business Overview

Paisalo Digital Limited is engaged in providing credit to SME, MSME and micro-enterprises across India with a network of 5,995 touch points across 22 states & UTs. The company's mission is to simplify MSME and micro-enterprise loans through technology-enabled solutions.