What we do Paisalo Digital Ltd is a non-deposit taking NBFC providing secured business, SME, MSME, and income generation loans in India with a focus on financial inclusion. |
Founded in 1,992 |
Market share One of India’s leading NBFCs with over 14 million customers and presence in 22 states, serving underserved MSME and small business sectors. |
Problem solved Bridges credit gaps for unbanked and underserved populations by offering affordable and accessible small loans with AI-powered underwriting. |
Top clients or who we serve Primarily serves MSMEs, small businesses, entrepreneurs, and low-income households in India (B2C and B2B segments). |
Key management Sunil Agarwal (Managing Director, CA, MBA), Harish Singh (Executive Director, B.Com LLB) |
Our journey and innovations Incorporated in 1992, listed in 2007, pioneered microcredit and income generation loans, expanded with AI-based credit underwriting and co-lending with banks. |
Where we operate Active in 22 Indian states with 4,872 touchpoints including branches, distribution points, and business correspondents. |
Top products or what we offer Small income generation loans, SME/MSME loans, vehicle financing, and alternate energy investments. |
Top brands Paisalo’s flagship offerings include SME & MSME loan products and small income generation loans; rated AA/Stable with strong credit ratings. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily recurring through interest income on loan portfolios. |
Our industry position Strong position among Indian mid-sized NBFCs focused on MSME financing with superior asset quality (GNPA ~0.8%). |
Financial highlights FY25 revenue Rs 7,711 mn, PAT Rs 2,001 mn; 16% AUM growth to Rs 55,082 mn; ROE 12.6%; CAR 38.3%. |
Geographical revenue split Revenue mainly from operations across 22 Indian states, especially Delhi, Maharashtra, Haryana, Rajasthan. |
Order book - |
Whats driving growth Growth driven by expanding MSME lending, AI digitization, branch and distribution expansion, and strategic bank co-lending partnerships. |
Our future plans Focus on AI-led digital lending, geographic expansion, product diversification, and liability cost optimization. |
Our green promise Investments in alternate energy and solar; ESG policies with sustainability reporting integrated into business strategy. |
Our people and values Employees over 3,100; culture focused on inclusion, empowerment, and financial literacy awareness. |
Key challenges ahead Managing credit risk in underserved markets, cost of funding pressures, regulatory compliance. |
Interesting facts First NBFC with extensive AI-based underwriting in MSME loans, servicing 14 million+ customers with low NPA. |
Risks and strategy Risks include credit and funding risks; mitigated via AI risk models, diversified liabilities, and strong governance. |
