PAISALO · NSE
Paisalo Digital Limited
₹89.51
+0.88% (+₹0.78)
Prev. close
₹88.73
Volume
2,58,98,908
Delivery %
28.4%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About Paisalo Digital Limited
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-wheeler 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 for commercial vehicles, used cars, two-wheelers, three-wheelers, agricultural equipment, and medical equipment. In addition, it provides SME and MSME loans, and corporate loans across the 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.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Mr. Sunil Purushottanm Agarwal
Headquarters
Agra
Employees
3,076
Website
paisalo.inExchange
View on NSE ↗Key stats
Market cap
₹8,182.55 Cr
P/E ratio (TTM)
32.3
Dividend yield
0.11%
EPS (TTM)
₹2.77
Beta (1Y · daily vs NIFTY 50)
0.83
Beta (5Y · monthly vs NIFTY 50)
1.23
Shares float
38.54 Cr
EPS · quarter ended Jun 2026
₹0.67
Financial Performance
01 · Financials
FY22 growth needs FY21 filings, which the data source doesn't provide. Net income and EBITDA are omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹346.02 Cr | ₹392.22 Cr | ₹264.15 Cr | ₹658.75 Cr | ₹770.09 Cr | ₹943.70 Cr | |
| EBITDA | — | — | ₹337.35 Cr | ₹244.58 Cr | ₹272.63 Cr | ₹324.00 Cr |
| ₹61.26 Cr | — | ₹93.62 Cr | ₹178.97 Cr | ₹200.12 Cr | ₹237.21 Cr | |
| Diluted EPS | ₹0.72 | ₹0.94 | ₹2.1 | ₹3.87 | — | ₹2.62 |
Total expenses (as filed), Employee benefit expense, Depreciation & amortisation, Other expenses, EBITDA, Net income, Other income, Diluted EPS have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹2,270.19 Cr | ₹2,757.76 Cr | ₹3,353.87 Cr | ₹4,123.18 Cr | ₹5,254.60 Cr | ₹6,299.73 Cr | |
| ₹954.12 Cr | ₹1,212.25 Cr | ₹2,117.19 Cr | ₹2,655.40 Cr | ₹3,559.47 Cr | ₹4,359.67 Cr | |
| Stockholders' equity | ₹822.73 Cr | ₹1,023.47 Cr | ₹1,162.54 Cr | ₹1,329.42 Cr | ₹1,534.98 Cr | ₹1,792.98 Cr |
Current assets, Trade receivables, Non-current assets, CWIP, Others, Long-term debt, Current (short-term) debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated. Inventory shows ₹0 for 2023-03-31, 2024-03-31, 2026-03-31 — a real filed figure, not a gap: positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies). 2021-03-31, 2022-03-31, 2025-03-31 have no Inventory figure at all reaching this deck yet — not verified as zero, not verified as positive — so they are left blank rather than assumed to match the filed zero.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹-97.89 Cr | ₹-396.35 Cr | ₹-452.17 Cr | ₹-569.75 Cr | ₹-841.53 Cr | ₹-782.76 Cr | |
| Investing cash flow | ₹-7.16 L | ₹-51.61 Cr | ₹-5.07 Cr | ₹2.60 Cr | ₹-12.68 Cr | ₹-15.21 Cr |
| ₹110.74 Cr | ₹410.52 Cr | ₹476.01 Cr | ₹552.61 Cr | ₹944.44 Cr | ₹843.17 Cr | |
| Capital expenditure | ₹-7.16 L | — | ₹-6.26 Cr | ₹-3.74 Cr | ₹-12.78 Cr | ₹-15.22 Cr |
| End cash position | ₹47.78 Cr | ₹10.34 Cr | ₹29.11 Cr | ₹14.58 Cr | ₹104.81 Cr | ₹150.01 Cr |
Depreciation & amortization, Debt issued, Debt repaid, Capital expenditure have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21 | Dec 21 | Mar 22 | Mar 22–Jun 22(3Q) | Sep 22 | Sep 22–Mar 23(4Q) | Jun 23 | Sep 23 | Dec 23 | Mar 24–Mar 24(2Q) | Jun 24 | Sep 24 | Dec 24 | Mar 25 | Jun 25 | Sep 25 | Dec 25–Mar 26(2Q) | Jun 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 40.64% | 41.02% | 42.63% | 44.16% | 45.68% | 45.92% | 46.24% | 47.04% | 48.86% | 50.37% | 51.66% | 52.38% | 52.61% | 50.37% | 48.21% | 41.16% | 41.75% | 46.72% |
| Public | 59.36% | 58.98% | 57.37% | 55.84% | 54.32% | 54.08% | 53.76% | 52.96% | 51.14% | 49.63% | 48.34% | 47.62% | 47.39% | 49.63% | 51.79% | 58.84% | 58.25% | 53.28% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Paisalo Digital Limited | ₹7,732.79 Cr | ₹88.73 | 30.5 | 4.31 | 13.2% | 2.43 | +22.2% | +125.3% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Show all 21
Concall transcripts
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
4 indices
Weight is BSE’s own published index weight. Indices without weight data are listed without one, in alphabetical order after the weighted ones.