How Paisalo Digital is Revolutionizing Micro Lending in India

is a systemically important, non-deposit-taking NBFC catering primarily to self-employed and underserved borrowers It operates with a High‑Tech, High‑Touch approach—combining AI/ML‑enabled digital underwriting with strong on-ground presence via field networks and business correspondents (BCs) "Lending Products & Services" -> Small Income Generation Loans -> Mobility Loans -> Udaan Entrepreneurial Loans -> SME / Corporate Loans -> Co‑Lending with SBI handles full credit lifecycle (origination, underwriting, servicing) while SBI contributes ~80% of funding, enabling scalable reach while mitigating credit risk. -> Business Correspondent Channel (BC Model) Key Financial Metrics:- Assets Under Management (AUM): ~INR 5,232 crore as of March 2025 Gross NPA (Standalone): ~1.0%; CRAR: ~39% — indicating strong asset quality and robust capital buffers Market Cap: Approx. INR 2,934 Recent Q1 FY26 Performance: Net income: ₹47.2 crore (up 14% YoY) NII: ₹124.4 crore (+20% YoY) Total income: ~₹219 crore (+17%) Gross and Net NPAs: ~0.85% and 0.68% respectively Something Interesting Happening in Stock Check out the Next Opinions