NBFC Stock Paisalo Digital Gains Spotlight As This Market Veteran’s Bold Bet Sparks Buzz

Renowned investor Nimisha Pandey picked up shares of Paisalo Digital Limited, an organization that is listed on both the BSE Limited and the National Stock Exchange of India Limited. On August 11, 2025, the transaction for the purchase was completed through the open market. Nimisha Pandey had 4,24,17,362 shares with voting rights prior to this transaction, which accounted for 4.70% of the total share capital.

An additional 0.48% of the company's share capital, or 43,15,000 shares, was acquired in the latest transaction. Following the transaction, Nimisha Pandey's total stake rose to 5.18% in Paisalo Digital, with 4,67,32,362 shares added to her holdings. Prior to and following the acquisition, the company's equity share capital was Rs. 90,21,18,289, which was split into 90,21,18,289 equity shares of Re. 1 each.

In another development, the Operations and Finance Committee of the company recently authorised the issuance of 3,400 Rated, Listed, Senior, Secured, Redeemable, Taxable, Transferable, Non-Convertible Debentures (NCDs) to be issued through private placement. The issuance is pegged at a face value of Rs 1 lakh, translating the issuance to Rs 340 Crore. A quarterly coupon of 9.75% per annum will be paid on the debt and is applicable for a term of 36 months. The debt is secured by a first-ranking pari-passu charge on loan receivables with a minimum security cover of 1.10 times the outstanding principal.

An extra penalty of 2 per cent per annum will be charged as a default interest for a delay of more than three months in the payment of interest or principal.

In a letter dated August 4, 2025 Infomerics Valuation and Rating Pvt. Ltd. confirmed the company's credit ratings, according to a statement released by Paisalo Digital Limited on 7th August. Non-convertible debentures (NCDs) and long-term bank facilities have received the IVR AA/Stable rating, which denotes a steady outlook and a high level of safety. The highest short-term credit grade, IVR A1+, has been confirmed for the company's commercial paper (CP).

During the quarter that ended on 30th June 2025, Paisalo Digital was quicker to expand its operational reach by opening 50 new branches, which brought the total to 401. The company also further enhanced its co-lending partnership with the State Bank of India (SBI) for the purpose of strengthening the MSME and SME loan facilities across the country.

With 3,997 touch points across 22 states and union territories, Paisalo Digital specialises in small-ticket income generation loans, servicing titled income generation loans for low-income populations. The company integrates advanced technology with efficient customer service and is driven by good corporate governance and compliance, along with a commitment to sustainable financial inclusion.