Paisalo Digital Q2FY27: AUM up 33% to Rs 72,659 mn, PAT up 27% to Rs 656 mn
Q2FY27 AUM up 33% YoY to Rs 72,659 mn, disbursements up 42%, PAT up 27% to Rs 656 mn; GNPA 0.66%.
By ScoutQuest · · 1 min read
- AUM
- Rs 72,659 mn
- Disbursements
- Rs 15,673 mn
- PAT
- Rs 656 mn
- Period
- Q2FY27 (quarter ended 30.09.2026)
- Positioning
- An AA/Stable-rated lender to micro enterprises and MSMEs with 6,415 touch points across 23 states, ~20 mn customers and a Business Correspondent channel with SBI, Bank of India and IOB.
📈 Q2FY27 AUM rose 33% YoY to Rs 72,659 mn and disbursements 42% to Rs 15,673 mn; total income grew 24% to Rs 2,773 mn and PAT 27% to Rs 656 mn. GNPA was 0.66% and NNPA 0.46%, with collection efficiency at 98.3%.
📉 Yield slipped to 15.7% and spread to 5.7% in Q2FY27; the company says record end-of-quarter disbursements temporarily diluted yields, which it expects to normalise from H2FY27. RoE held at 13.4% while RoA fell to 3.3%, and debt/equity rose to 2.89x.
🏭 Management states the Tranche I public NCD issue of up to Rs 300 Cr under a Rs 900 Cr shelf strengthens funding diversification, and that the recent capital raise is expected to optimise leverage and support ROE expansion. The deck says it targets asset quality at sub-2% through credit cycles.
📉 The company says headcount fell 11% YoY despite network expansion, citing technology and AI efficiencies, and that a consumer-facing app is scheduled to go live in Q3FY27. Promoter shareholding rose ~4.8% in H1FY27.
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Paisalo Digital Q2FY27: AUM up 33% YoY to Rs 72,659 Mn, disbursements up 42%; NIM falls to 5.7%
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More numbers
- AUM, Q2FY27Rs 72,659 mn
- AUM growth YoY, Q2FY2733%
- Disbursements, Q2FY27Rs 15,673 mn
- Total Income, Q2FY27Rs 2,773 mn
- PAT, Q2FY27Rs 656 mn
- GNPA, Q2FY270.66%
- NNPA, Q2FY270.46%
- NCD Tranche I sizeRs 300 Cr
- Net Worth, Q2FY2718,981 (Rs Mn)
- Total Borrowings, Q2FY2754,808 (Rs. Mn)
- Capital adequacy, Q2FY2730.7%
- RoE, Q2FY2713.4%
- PAT, FY20262,372 (Rs Mn)
- Total Income, FY20269,437 (Rs Mn)
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