Paisalo Digital To Raise Funds Through NCDs; Posts Robust Q1 Results, Dividend Ahead

Paisalo Digital has announced that the meeting of the Operations and Finance Committee of the board of directors of the company is scheduled to be held on August 5, 2025 to consider and approve a proposal for raising funds by way of issue of Listed Secured Non-Convertible Debentures (NCDs) on a private placement basis. The action was in line with the company's corporate strategy aimed at improving the capital structure while providing capital to finance growth initiatives.

In an international boost, the company's $50 million, 7.5% Foreign Currency Convertible Bonds (FCCBs) due 2029 have been listed on the India International Exchange (IFSC) Limited's Global Securities Market as of July 31, 2025. The listing raises the profile of the company internationally and provides access to further international investor channels.

In a show of faith in the promoter, EQUILIBRATEDVENTURE CFLOW (P) LTD, a promoter group entity, has purchased 74.7 lakh equity shares of Paisalo Digital bought through open market transactions. This acquisition confirms the confidence in the long-term value and growth prospects of the company.

The company's Board of Directors has recommended a final dividend of Rs 0.10 (10% on the face value of Rs 1 per equity share) for the financial year 2024-25. This proposal requires shareholder approval at the Annual General Meeting to be held on September 29, 2025. The dividend will be paid on September 30, 2025 to shareholders of record on September 22, 2025.

Paisalo Digital posted its highest-ever total income at Rs 218.7 crore for the quarter ended June 30, 2025, a 17% growth over the previous comparable period. The company also acquired around 15 lakh new customers in the quarter, crossing a base of more than 1.1 crore customers, signalling the company's increasing stronghold in the financially included market. It has also posted a 14% year-on-year growth in its Assets Under Management (AUM) at Rs 5,230.2 crore. Disbursements increased 16% to Rs 758.1 crore and net interest income jumped 20% to Rs 124.4 crore.

Paisalo also reported strong asset quality with GNPA at 0.85% and NNPA at 0.68% and Capital Adequacy Ratio at a high 39.5%. It achieved a national footprint, further strengthened with 50 new branches (total number of branches at 401) along with the growing co-lending partnership with State Bank of India to drive credit delivery to MSME and SME segments pan-India.

Paisalo Digital operates across 22 states and union territories with a high-tech, high-touch business model supported by 3,997 customer touch points. The company continues to combine technology and human experience to provide scalable, responsible, and inclusive financial services to the underserved population in India.