Paisalo Digital Limited to Issue Unsecured Non-Convertible Debentures with Competitive Rates

Paisalo Digital Limited has announced the private placement of two series of unsecured Non-Convertible Debentures (NCDs) on November 6, 2025. The company will issue 5,500 NCDs with a face value of Rs 1 lakh each, offering an annual coupon rate of 8.45% for two years, maturing on November 6, 2027. Additionally, 2,500 NCDs with a face value of Rs 1 lakh each will be issued, carrying an annual interest rate of 8.50% for three years, redeemable on November 6, 2028.

The firm has scheduled an Earnings Conference Call to discuss its standalone and consolidated unaudited financial results for the quarter ending September 30, 2025. This call is set for Tuesday, November 11, 2025, at 2:00 PM IST. Meanwhile, the Board of Directors will convene on Monday, November 10, 2025, to review and approve the financial results for the same quarter.

In a recent Operations and Finance Committee meeting on October 30, 2025, Paisalo Digital Limited authorised the issuance of these NCDs through private placement on the Electronic Bidding Platform (EBP). The company plans to issue up to 7,500 NCDs with a face value of Rs 1 lakh each. This issuance includes a basic size of Rs 25 crore and a green shoe option of Rs 50 crore, totalling up to Rs 75 crore.

The debentures are unsecured and transferable. They will be listed on BSE Limited with an expected allocation date of November 6, 2025. Both series offer annual coupon payments and will be redeemed at par upon maturity. If there is any delay in payment exceeding three months, an additional interest rate of 2% per annum over the coupon rate will apply.

According to Trendlyne data as of November 7, 2025, Paisalo Digital's stock was trading down by 1.36% intraday at Rs 36.19. Over the past week, the stock decreased by 5.58%, but it has risen by 17.92% in the past quarter while falling by 22.31% over the past year. The company's market capitalisation stood at Rs 3,291.56 crore.

SBI Life Insurance's stake in Paisalo Digital has decreased over time. As of September 2025, their stake was at 6.83%, down from a previous holding of 9% in December 2020. In June 2025, their stake was recorded at 8.96%, indicating a gradual reduction.

An analyst from Trendlyne predicts that Paisalo Digital's share price could reach Rs 75 in FY26, suggesting a potential upside of approximately 107%. This forecast reflects optimism about the company's future performance despite recent fluctuations in its stock price.