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Middle East tensions impacting MSME exports
View Risks →Paisalo Digital Ltd — Q4 FY26
Paisalo Digital delivered a strong Q4 FY26 with record PAT of ₹722 million (+56% YoY) and total income of ₹2,609 million (+35% YoY), driven by steady AUM growth (17% YoY to ₹61,909 million) and improving funding efficiency (cost of borrowing down to 10.22%).
bullish
high
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Paisalo Digital delivered a strong Q4 FY26 with record PAT of ₹722 million (+56% YoY) and total income of ₹2,609 million (+35% YoY), driven by steady AUM growth (17% YoY to ₹61,909 million) and improving funding efficiency (cost of borrowing down to 10.22%). Asset quality remained pristine with GNPA at 0.76% (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.
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Assets Under Management
₹61,909M
+17% YoY
AUM grew to ₹61,909 million, reflecting steady expansion across income generation and MSME lending.
Disbursements (Q4)
₹13,440M
+27% QoQ
Quarterly disbursements of ₹13,440 million indicate sustained borrower demand and healthy sourcing momentum.
Collection Efficiency
98.5%
flat YoY
Collection efficiency of 98.5% reflects strong repayment behavior and effective portfolio oversight.
Cost of Borrowing
10.22%
-80bps YoY
Cost of borrowing moderated to 10.22%, reflecting improved credit standing and liability optimization.
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Guidance and risk preview
Management reaffirmed guidance to double AUM, income, and net profit over the next three fiscal years, excluding co-lending contributions.
Geopolitical developments in the Middle East could affect MSME borrowers dependent on exports, though management sees minimal direct exposure.
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