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Paisalo Digital Limited — Q1FY27 Earnings Call Summary
Key Takeaways
- Target to double AUM, income, and PAT in 3 years while maintaining asset quality
- Cost of borrowing declined 64 bps y-y to 10.1%
- Total income rose 19% y-y to Rs.2,603 million; net interest margin steady at 6.6%
- Q1 FY2027 AUM grew 28% y-y to Rs.67,074 million; disbursements up 128% y-y to Rs.17,309 million
- PAT increased 30% y-y to Rs.613 million; ROA 3.6%, ROE 13.4%
- Gross NPA 0.70%, net NPA 0.49%; collection efficiency 97.5%
- Strategy pillars: distribution expansion to 5,995 touch points, product diversification, AI integration, liability management
- AI usage expanded in onboarding, underwriting, collections; 200k AI calls/day; platform revamp underway
- Promoters increased stake by ~5%, signaling strong growth conviction
📄 Source: View original transcript (PDF)
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Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.