Paisalo Digital, a prominent non-banking financial company, reported a significant increase in its Profit After Tax (PAT) for the fourth quarter of the fiscal year 2026. The PAT surged by 56% year-on-year to ₹722 million, highlighting the company’s robust financial performance.
The company’s Assets Under Management (AUM) grew by 17% year-on-year, reaching ₹61,009 million. This growth reflects the continued momentum in Paisalo Digital‘s business operations. Additionally, the total income for the quarter rose by 35% year-on-year to ₹2,609 million, driven by steady credit demand across key segments.
Paisalo Digital also reported a tightening in the cost of borrowing, which improved by 32 basis points year-on-year to 10.22%, indicating an enhanced liability franchise. The company’s Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets (NNPA) remained healthy at 0.76% and 0.61%, respectively.
The company expanded its distribution network significantly, adding 427 new touchpoints during the quarter, bringing the total to 5,299 touchpoints. The branch network also saw an increase, with 20 new branches added, supporting a wider reach and stronger on-ground presence. The customer franchise was strengthened with the addition of approximately 1.7 million customers during the quarter, bringing the total to around 16 million.
Paisalo Digital’s total borrowings stood at ₹43,597 million as of March 2026. The company completed its maiden External Commercial Borrowing (ECB) issuance of USD 15 million, which contributed to the reduction in the cost of borrowing.
In terms of profitability, the Net Interest Income increased by 61% year-on-year to ₹1,733 million for the quarter. The Net Interest Margin (NIM) improved by 43 basis points year-on-year to 6.8% in Q4FY26. The company’s Return on Assets (ROA) and Return on Equity (ROE) were reported at 3.8% and 13.2%, respectively.
Paisalo Digital’s capital adequacy remained strong with a Capital Adequacy Ratio of 35.8% and Tier 1 capital at 28.9%. The company’s Net Worth grew by 16% year-on-year to ₹17,930 million.
Commenting on the performance, Mr. Santanu Agarwal, Deputy Managing Director of Paisalo Digital Ltd, highlighted the company’s strategic expansion and technological advancements that contributed to the strong financial results.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).