Paisalo Digital Q1 FY2027 AUM Up 28% YoY

Assets Under Management (AUM) reached ₹67,074 Mn in Q1 FY2027, a 28% increase YoY.
Quarterly disbursements were ₹17,309 Mn, up 128% YoY, representing the highest ever quarterly level.
Total customer franchise strengthened to 18 Mn+ customers, with ~1.8 Mn new customers added during the quarter.
Average ticket size stood at ₹5.26 Lakhs.
Total touchpoints expanded to 5,995 across 23 states, comprising 424 branches, 3,997 distribution points, and 1,574 Business Correspondents (partnered with SBI, BOI & IOB).
Employee count reduced 2% YoY to 3,018 despite network expansion and AUM growth.
Key drivers include geographic expansion, AI-driven efficiencies, and partnership-led growth model.

Total Income: ₹2,603 Mn (19% YoY increase)
Interest Income: ₹2,506 Mn (25% YoY increase)
Net Interest Income: ₹1,447 Mn (16% YoY increase)
PAT: ₹613 Mn (30% YoY increase)
Basic EPS: ₹0.67 per share (30% YoY increase)
EBITDA Margin: Not explicitly specified
PAT Margin: Calculated at approximately 23.5%
YoY comparison: All key financial metrics showed positive YoY growth
Drivers of financial performance: Higher disbursements, scaling AUM, and operational efficiencies from technology
Key Risks: Not explicitly disclosed in the presentation

Domestic vs Export: Not explicitly specified
Regional Breakdown: Operations span 23 states and union territories with 5,995 touchpoints

Net Worth: ₹18,298 Mn
Loan Assets: ₹65,309 Mn
Cash and Bank Balances: ₹594 Mn
Total Assets: ₹68,652 Mn
Debt Securities: ₹12,916 Mn
Other Borrowings: ₹35,541 Mn
Equity & Reserves: ₹18,519 Mn
Net Debt/Equity: Not explicitly calculated but shows leveraged position
Financial Health Insights: Well-capitalized with CRAR at 33.1% (Tier I: 26.8%, Tier II: 6.3%), comfortably above the 15% regulatory minimum

Capital Expenditure: Not explicitly specified
Free Cash Flow: Not explicitly specified
Operating Cash Flow: Not explicitly specified
Net Debt Movement: Not explicitly specified
Investment Rationale: Focus on technology upgrades, AI implementation, and geographic expansion

AI deeply embedded across the entire lending lifecycle: sourcing, underwriting, servicing, and collections
180k applications processed per quarter via AI-enabled onboarding
200k AI-driven outbound calls daily
500k voice data conversions handled
18 live AI bots deployed
Investments in automation: 80% of new code written by AI, 100% AI-assisted legacy maintenance, 100% of code reviews and test cases AI-generated
Expected impact: Lower cost-to-serve, faster turnaround times, scalable growth
Strategic Rationale: Creating an AI-led lending franchise with best-in-class asset quality targeting sub-2% levels through cycles

Macro/Industry Trends: Bridging credit gap for unbanked and underserved borrowers, including MSMEs
Impact on Company: Positioning as a high-reach, financially inclusive lending platform serving last-mile credit needs

Strategic Outlook: Targeting ~2x growth in AUM, Income and PAT over the next three years, delivering a CAGR of ~25-30%
FY Guidance: Not explicitly specified beyond three-year vision
Market Share Targets: Not explicitly specified
Risks and Opportunities: Focus on maintaining disciplined underwriting and risk management while expanding geographically