Paisalo Digital Ltd (PAISALO) — shareholding pattern, promoter holding, financials and share price
About Paisalo Digital Ltd (PAISALO)
Paisalo Digital Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as PAISALO and on the BSE under scrip code 532900. Its ISIN is INE420C01059.
Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra. [1] [2]
Paisalo Digital Limited is a systemically important NBFC focused on inclusive lending to MSMEs, small businesses and income-generation borrowers across India, offering product lines such as small income generation loans, SME/MSME loans and specialized asset finance with a 33-year legacy and AUM of Rs. 55,082 million as of Q3 FY2026.
Management has made AI the company’s strategic core, aiming to double AUM, income and PAT over three years by embedding AI across sourcing, underwriting, collections and a proprietary dynamic business rule engine; Paisalo runs large-scale GenAI calling, AutoML pipelines and plans a MeitY-cloud migration to support this data-led scale.
Listed peers in Non Banking Financial Company (NBFC): Bengal & Assam Company Ltd, Fedbank Financial Services Ltd, MAS Financial Services Ltd, Dhenu Buildcon Infra Ltd, Northern Arc Capital Ltd, Mrugesh Trading Ltd.
Valuation & Returns
10 Jul 2026At ₹72.95 a share on 10 Jul 2026, Paisalo Digital Ltd (PAISALO) was valued at a price-to-earnings ratio of 27.97x against an industry P/E of 19.5x and a price-to-book of 4.32x on a book value of ₹16.88 per share as of Mar 2025. Solomo computes return on equity of 15.45% and return on capital employed of 11.24% from filed results. Earnings ratios use consolidated results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 27.97x
- Industry P/E
- 19.5x
- P/B
- 4.32x
- EPS (TTM)
- ₹2.61
- Book value / share
- ₹16.88
- ROE
- 15.45%
- ROCE
- 11.24%
- ROA
- 4.51%
- Debt / equity
- 2.32x
- Dividend yield
- 0.14%
- EBITDA margin
- 74.7%
- 52-week range
- ₹29.88 – ₹74.95
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, Paisalo Digital Ltd (PAISALO) reported revenue of ₹944 crore, net profit of ₹237 crore and earnings per share of ₹2.61. That compares with revenue of ₹764 crore and net profit of ₹200 crore in Mar 2025. Figures are consolidated, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹261 crore and net profit ₹72 crore (consolidated).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 392 | 471 | 656 | 764 | 944 |
| Net profit (₹ cr) | 79 | 94 | 179 | 200 | 237 |
| EPS (₹) | 0.9 | 1.04 | 1.99 | 2.22 | 2.61 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 15.99% | 16.84% | 27.28% | 17.06% |
| Profit growth | 17.84% | 29.61% | 35.93% | 11.82% |
| Stock price CAGR | 23% | 17% | 44% | 138% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 46.72% of Paisalo Digital Ltd (PAISALO) (up 4.97 pp QoQ), foreign institutional investors (FII) hold 6.79% and domestic institutional investors (DII) hold 6.83%. Promoters have pledged 21.9% of their holding. Market capitalisation was ₹6,635 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Sep 2010.
Largest disclosed public shareholders in Jun 2026: SBI LIFE INSURANCE CO. LTD 6.83%, OCTASPACE REALCON PRIVATE LIMITED 2.33%, ZEAL PROFESSIONAL SERVICES PRIVATE LIMITED 2.32%, PSL LIMITED 1.65%, CLIFF TREXIM PRIVATE LIMITED 1.07%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 46.72% | 21.9% | 6.79% | 6.83% | 53.28% |
| Mar 2026 | 41.75% | 21.7% | 17.54% | 6.84% | 58.25% |
| Dec 2025 | 41.75% | 21.7% | 20.08% | 7.69% | 58.25% |
| Sep 2025 | 41.16% | 22.7% | 20.89% | 7.68% | 58.84% |
| Jun 2025 | 48.21% | 26.2% | 8.09% | 10.34% | 51.79% |
| Mar 2025 | 50.37% | 28.4% | 10.38% | 10.77% | 49.63% |
| Dec 2024 | 52.61% | 21.6% | 9.54% | 11.44% | 47.39% |
| Sep 2024 | 52.38% | 17.8% | 10.72% | 12.69% | 47.62% |