Paisalo Digital Limited reported a strong financial performance for the quarter ended June 30, 2025 (Q1 FY26), achieving its highest-ever total income and crossing a significant milestone of 11 million customers.
For Q1 FY26, the company’s consolidated net profit increased 14% year-on-year (YoY) to ₹47.2 crore, compared to ₹41.5 crore in Q1 FY25. The company also reported a robust 17% YoY rise in total income to ₹218.7 crore, up from ₹186.6 crore last year. Net Interest Income (NII) rose by 20% YoY to ₹124.4 crore, from ₹103.5 crore in Q1 FY25.
The company’s Assets Under Management (AUM) stood at ₹5,230.2 crore, marking a 14% increase YoY. Disbursements grew 16% YoY to ₹758.1 crore during the quarter.
In terms of asset quality, Paisalo Digital maintained healthy levels with Gross Stage 3 (GNPA) at 0.85% and Net Stage 3 (NNPA) at 0.68%, albeit slightly higher than the previous year. The collection efficiency remained high at 99.8%, underscoring the company’s robust credit practices.
Operational highlights:
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Return on Assets (RoA): 3.7% vs 4.0% YoY
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Return on Equity (RoE): 11.9% vs 12.0% YoY
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Net Worth: ₹1,574.6 crore, up 15% YoY
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Capital Adequacy Ratio: 39.5% (Tier 1: 30.4%)
During the quarter, the company added approximately 1.5 million customers, bringing the total customer base to ~11 million, and expanded its footprint to 3,997 touchpoints across 22 states with 401 branches. It also extended its co-lending partnership with SBI to jointly fund MSME and SME loans, strengthening its inclusive growth initiatives.
Deputy MD Santanu Agarwal commented, “Q1 FY26 marks a good start to the year as we delivered our highest-ever total income and added 1.5 million customers in a single quarter. We remain focused on scaling responsibly, innovating continuously, and empowering millions more in the quarters ahead.”
The company will host an earnings call on July 22, 2025, at 4:00 PM IST to discuss the results in detail.
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