Paisalo Digital Limited — Q1FY27 earnings call summary

Filed 11 August 2026 · Official transcript

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