About
Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts. The company also provides mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheelers purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans, including Udaan loans to empower entrepreneurs for business growth and expansion. In addition, it provides SME and MSME loans, and corporate loans across manufacturing, services, and trading sectors. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.
Key Metrics
as of Sep 2026Market Cap6,730 Cr
P/E26.70
Div Yield0.13 %
Book Value₹19.70
52w High₹77.60
52w Low₹30.00
Face Value₹1.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 55.00 | 69.00 | 51.00 | 50.00 | 54.00 | 45.00 | 33.00 | 36.00 | 41.00 | 53.00 | 38.00 | 15.00 | 18.00 |
| Other Income | 0.00 | 0.00 | -1.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 4.00 | 5.00 | 3.00 | 2.00 | 2.00 | 2.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Interest | 114.00 | 86.00 | 93.00 | 95.00 | 91.00 | 82.00 | 77.00 | 72.00 | 78.00 | 80.00 | 57.00 | 52.00 | 51.00 |
| Profit before tax | 82.00 | 96.00 | 88.00 | 68.00 | 63.00 | 61.00 | 82.00 | 67.00 | 55.00 | 49.00 | 76.00 | 63.00 | 51.00 |
| Tax % | 25.00 | 26.00 | 25.00 | 26.00 | 26.00 | 27.00 | 24.00 | 26.00 | 26.00 | 26.00 | 26.00 | 25.00 | 26.00 |
| Net Profit | 61.00 | 71.00 | 66.00 | 51.00 | 47.00 | 45.00 | 62.00 | 50.00 | 41.00 | 36.00 | 56.00 | 47.00 | 38.00 |
| EPS in Rs | 0.67 | 0.78 | 0.73 | 0.56 | 0.52 | 0.50 | 0.69 | 0.55 | 0.46 | 0.40 | 0.62 | 0.53 | 0.42 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 211.00 | 149.00 | 121.00 | 109.00 | 80.00 | 87.00 | 126.00 | 105.00 | 79.00 | 76.00 | 54.00 | 49.00 |
| Other Income | -1.00 | 0.00 | 1.00 | -4.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 365.00 | 309.00 | 240.00 | 180.00 | 167.00 | 144.00 | 134.00 | 123.00 | 105.00 | 88.00 | 65.00 | 56.00 |
| Depreciation | 12.00 | 5.00 | 3.00 | 3.00 | 3.00 | 4.00 | 4.00 | 5.00 | 6.00 | 6.00 | 5.00 | 6.00 |
| Profit before tax | 315.00 | 265.00 | 239.00 | 124.00 | 106.00 | 77.00 | 74.00 | 85.00 | 83.00 | 77.00 | 69.00 | 67.00 |
| Tax % | 26.00 | 25.00 | 26.00 | 26.00 | 26.00 | 25.00 | 27.00 | 33.00 | 33.00 | 34.00 | 34.00 | 33.00 |
| Net Profit | 235.00 | 198.00 | 177.00 | 92.00 | 79.00 | 58.00 | 54.00 | 57.00 | 56.00 | 51.00 | 45.00 | 45.00 |
| EPS in Rs | 2.58 | 2.19 | 1.97 | 1.02 | 0.90 | 0.68 | 0.64 | 0.70 | 0.69 | 0.63 | 0.56 | 0.55 |
| Dividend Payout % | 4.00 | 5.00 | 5.00 | 5.00 | 6.00 | 7.00 | 8.00 | 7.00 | 7.00 | 8.00 | 9.00 | 9.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 91.00 | 90.00 | 90.00 | 45.00 | 44.00 | 42.00 | 42.00 | 41.00 | 41.00 | 41.00 | 41.00 | 41.00 |
| Reserves | 1,682.00 | 1,427.00 | 1,225.00 | 1,105.00 | 969.00 | 812.00 | 714.00 | 614.00 | 563.00 | 514.00 | 470.00 | 479.00 |
| Other Liabilities | 144.00 | 157.00 | 133.00 | 69.00 | 55.00 | 81.00 | 244.00 | 352.00 | 348.00 | 287.00 | 276.00 | 179.00 |
| Total Liabilities | 6,192.00 | 5,086.00 | 3,903.00 | 3,037.00 | 2,549.00 | 2,122.00 | 2,070.00 | 1,953.00 | 1,853.00 | 1,534.00 | 1,293.00 | 1,112.00 |
| Fixed Assets | 84.00 | 75.00 | 66.00 | 66.00 | 64.00 | 64.00 | 66.00 | 9.00 | 7.00 | 3.00 | 3.00 | 3.00 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 62.00 | 63.00 | 62.00 | 67.00 | 68.00 | 66.00 | 66.00 | 66.00 | 66.00 | 67.00 | 69.00 | 49.00 |
| Other Assets | 6,045.00 | 4,949.00 | 3,775.00 | 2,904.00 | 2,418.00 | 1,991.00 | 1,938.00 | 1,877.00 | 1,781.00 | 1,464.00 | 1,221.00 | 1,060.00 |
| Total Assets | 6,192.00 | 5,086.00 | 3,903.00 | 3,037.00 | 2,549.00 | 2,122.00 | 2,070.00 | 1,953.00 | 1,853.00 | 1,534.00 | 1,293.00 | 1,112.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -855.00 | -894.00 | -669.00 | -347.00 | -337.00 | -127.00 | -8.00 | 26.00 | -266.00 | -200.00 | 10.00 | -45.00 |
| Cash from Investing Activity | -15.00 | -13.00 | 3.00 | -5.00 | -3.00 | 0.00 | 0.00 | -4.00 | 4.00 | 1.00 | -22.00 | 46.00 |
| Cash from Financing Activity | 916.00 | 997.00 | 652.00 | 371.00 | 303.00 | 142.00 | 30.00 | -24.00 | 264.00 | 183.00 | 22.00 | 9.00 |
| Net Cash Flow | 46.00 | 90.00 | -15.00 | 19.00 | -37.00 | 15.00 | 22.00 | -2.00 | 2.00 | -16.00 | 11.00 | 10.00 |
| Free Cash Flow | -870.00 | -907.00 | -673.00 | -353.00 | -339.00 | -127.00 | -8.00 | 22.00 | -262.00 | -200.00 | 10.00 | -47.00 |
| CFO/OP % | -113.00 | -142.00 | -124.00 | -100.00 | -111.00 | -48.00 | 6.00 | 26.00 | -123.00 | -101.00 | 16.00 | -26.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
24 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 22 Sep 2025 | 22 Sep 2025 | — | 0.10 | |
| Dividend | 13 Sep 2024 | — | — | 0.10 | |
| Bonus | 20 Mar 2024 | 20 Mar 2024 | 1:1 | — | |
| Dividend | 14 Sep 2023 | — | — | 0.10 | |
| Dividend | 22 Sep 2022 | — | — | 0.10 | |
| Split | 30 Jun 2022 | 01 Jul 2022 | 10:1 | — | |
| Dividend | 16 Sep 2021 | — | — | 1.00 | |
| Dividend | 31 Aug 2020 | — | — | 1.00 | |
| Dividend | 01 Aug 2019 | — | — | 1.00 | |
| Dividend | 19 Sep 2018 | — | — | 1.00 | |
| Dividend | 18 Sep 2017 | — | — | 1.00 | |
| Dividend | 22 Sep 2016 | — | — | 1.00 | |
| Dividend | 22 Sep 2015 | — | — | 1.00 | |
| Dividend | 22 Sep 2014 | — | — | 1.00 | |
| Dividend | 20 Sep 2013 | — | — | 1.00 | |
| Dividend | 18 Sep 2012 | — | — | 1.00 | |
| Other | 05 Jan 2012 | 06 Jan 2012 | — | — | Scheme of Arrangement |
| Other | 04 Oct 2011 | 05 Oct 2011 | — | — | Consolidation of Shares |
| Split | 29 Oct 2010 | 01 Nov 2010 | 2:1 | — | |
| Dividend | 22 Jul 2010 | 24 Jul 2010 | — | 0.20 | |
| Bonus | 18 May 2010 | 19 May 2010 | 3:1 | — | |
| Split | 05 Apr 2010 | 06 Apr 2010 | 10:2 | — | |
| Dividend | 21 Jan 2010 | 22 Jan 2010 | — | 1.00 | |
| Dividend | 25 Jun 2009 | — | — | 1.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
-
Rating update21 Aug from infomerics
-
Rating update24 Jul from infomerics
-
Rating update13 May from infomerics
-
Rating update31 Mar from infomerics
-
Rating update20 Mar from brickwork
-
Rating update20 Mar from brickwork