Paisalo Digital LimitedQ1 FY27 Results & Financial Update
Paisalo Digital Limited: Q1 FY27 consolidated results and company financials – revenue ₹260.29 Cr, PAT ₹61.31 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
Quarter at a glanceCurrent reported figures.Change figures appear when a comparable reported period is available.
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Quarterly Results AnalysisExplore Paisalo Digital Q1 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
Paisalo Digital Limited posted consolidated total revenue from operations of INR 260.29 crore for the quarter ended June 30, 2026, accompanied by profit before tax of INR 82.21 crore and profit after tax of INR 61.31 crore.
Interest income formed the bulk of top-line earnings at INR 250.52 crore, while fees and commission income contributed INR 8.94 crore alongside net gains on fair value changes of INR 0.82 crore.
Total expenses for the quarter stood at INR 178.08 crore, driven primarily by finance costs of INR 115.58 crore and impairment on financial instruments amounting to INR 15.73 crore.
Employee benefits expense was recorded at INR 17.87 crore, and depreciation, amortization and impairment stood at INR 4.33 crore.
Tax expenses for the period totaled INR 20.89 crore, comprising INR 21.88 crore in current tax offset by a deferred tax credit of INR 0.99 crore.
Basic and diluted earnings per share for the quarter were identical at INR 0.67 each, calculated on a paid-up equity share capital of INR 90.96 crore with a face value of Re. 1 per share.
The company maintained a reported net profit margin of approximately 23.56% for the quarter under review.
01 · Business model
What does Paisalo Digital do?
Paisalo Digital Limited is a systemically important non-banking financial company (NBFC) registered with the Reserve Bank of India, operating with a core focus on retail lending, income-generation loans, and financial inclusion across semi-urban and rural markets.
The company generates its revenue primarily through interest income earned on loan portfolios, complemented by fee-based services and commission income from financial operations.
Consolidated operations encompass the parent entity alongside its wholly-owned subsidiary, Nupur Finvest Private Limited, which is also an RBI-registered NBFC sharing the group's lending mandate.
The economic model depends heavily on debt financing through bank borrowings, non-convertible debentures (NCDs), and commercial paper issuance to fund retail lending portfolios while managing cost of funds and credit impairments.
02 · Historical context
What shaped the business before this quarter
Previously known as S. E. Investments Limited before transitioning its identity and brand to Paisalo Digital Limited.
Incorporated Nupur Finvest Private Limited as a wholly-owned subsidiary to expand specialized NBFC operations, which are consolidated in financial reporting.
03 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q1 FY27 |
|---|---|
| Total income | ₹260.29 Cr |
| Interest income | ₹250.52 Cr |
| Other income | ₹0.00 Cr |
| Profit before tax | ₹82.21 Cr |
| Profit after tax | ₹61.31 Cr |
| EPS | ₹0.67 |
04 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Reported INR 250.52 crore in interest income from the financing business for the quarter ended June 30, 2026.
Contributed INR 8.94 crore in fee and commission income during the quarter.
Generated INR 0.82 crore from net gains on fair value changes, alongside INR 0.01 crore in dividend income.
NIM, spread, funding cost and credit cost
Borrowing and financing expenses represented the largest cost component at INR 115.58 crore for the quarter.
Impairment on financial instruments stood at INR 15.73 crore, impacting operating profitability.
Employee benefits expenses were INR 17.87 crore and other expenses totaled INR 24.57 crore.
05 · Portfolio mix & lending exposure
Where the loan book is concentrated
Segments and products
The company operates in a single business segment, namely financing, as per Indian Accounting Standard 108 (Ind AS 108).
06 · Reported developments
What changed operationally
Delivered consolidated profit after tax of INR 61.31 crore for Q1 FY27 supported by stable top-line interest generation.
07 · Funding & balance sheet
How funding, liquidity and capital support the loan book
Capital allocation & funding
During Q1 FY27, the company issued multiple tranches of commercial papers including INR 65 crore on 02-Apr-26 (1300 notes, discounted price INR 4,78,751.50, maturity 180 days), INR 12 crore on 08-Apr-26 (240 notes, discounted price INR 4,79,332.00, maturity 183 days), INR 5 crore on 10-Apr-26 (100 notes, discounted price INR 4,79,544.00, maturity 173 days), and INR 35 crore on 08-May-26 (700 notes, discounted price INR 4,79,430.50, maturity 180 days).
All secured non-convertible debentures (NCDs) issued by the company are secured by exclusive or first pari passu charge on receivables as stated in respective offer documents and term sheets, with requisite asset cover maintained as of June 30, 2026.
Reported debt-equity ratio stood at 2.62 for the consolidated entity and 2.61 for standalone operations as of June 30, 2026.
08 · Beyond the numbers
What changed beyond the numbers
Reported update
Statutory review
The financial results for the quarter ended June 30, 2026, were reviewed by the Audit Committee, approved by the Board of Directors on August 5, 2026, and subjected to a limited review by statutory auditors Saket Jain & Co.
09 · Key Q&A
The quarter, answered directly
What does Paisalo Digital do?
Paisalo Digital Limited is a systemically important non-banking financial company (NBFC) registered with the Reserve Bank of India, operating with a core focus on retail lending, income-generation loans, and financial inclusion across semi-urban and rural markets.
What is the clearest takeaway from Q1 FY27?
Paisalo Digital Limited posted consolidated total revenue from operations of INR 260.29 crore for the quarter ended June 30, 2026, accompanied by profit before tax of INR 82.21 crore and profit after tax of INR 61.31 crore.
What drove earnings or loan-book movement?
Reported INR 250.52 crore in interest income from the financing business for the quarter ended June 30, 2026.
What mattered most for margins, funding or credit cost?
Borrowing and financing expenses represented the largest cost component at INR 115.58 crore for the quarter.
What changed operationally beyond the headline numbers?
The financial results for the quarter ended June 30, 2026, were reviewed by the Audit Committee, approved by the Board of Directors on August 5, 2026, and subjected to a limited review by statutory auditors Saket Jain & Co.
What should the next disclosure help confirm?
Monitor reported GNPA and NNPA ratios (consolidated GNPA at 0.69% and NNPA at 0.48% as of June 30, 2026) alongside credit impairment provisioning trends in subsequent quarters.
10 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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11 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Asset quality progression: Monitor reported GNPA and NNPA ratios (consolidated GNPA at 0.69% and NNPA at 0.48% as of June 30, 2026) alongside credit impairment provisioning trends in subsequent quarters.
- 02
Commercial paper maturities: Track the scheduled maturities and rollover terms of commercial paper issuances executed during Q1 FY27.
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