Paisalo Digital

Paisalo Digital delivered a strong Q4 FY26 with record PAT of ₹722 millionCurrent reported value: ₹722 million. No comparable prior figure is available in the source record. (+56Current reported value: 56. No comparable prior figure is available in the source record.% YoY) and total income of ₹2,609 millionCurrent reported value: ₹2,609 million. No comparable prior figure is available in the source record. (+35Current reported value: 35. No comparable prior figure is available in the source record.% YoY), driven by steady AUM growth (17% YoY to ₹61,909 millionCurrent ₹61,909 million. Reported change: +17% YoY.) and improving funding efficiency (cost of borrowing down to 10.22%Current 10.22%. Reported change: -80bps YoY.). Asset quality remained pristine with GNPA at 0.76%Current reported value: 0.76%. No comparable prior figure is available in the source record. (down 23bps YoY). Management reaffirmed its three-year guidance to double AUM and profit, supported by distribution expansion (5,299 touch points), AI-driven productivity gains (headcount down 3% despite AUM growth), and new product segments. Key risk: potential stress in MSME exports due to Middle East tensions, though management sees minimal direct exposure.