Paisalo Digital Limited — Q2FY27 earnings call summary

Filed 28 October 2026 · Official transcript

Consumer app launch targeted Q3 FY27 end; 40-50% customer acquisition via app by FY30
Cost of funds declined 50 bps y-y to 10%; NIM expected to close at ~6% for FY27
Funding cost transiently high due to late quarter capital raises; normalizing in H2 FY27
Q2 FY27 AUM grew 33% y-y to INR72,659 mn; disbursements up 42% y-y
Long-term ROE target 15-18%, ROA target 4-4.5%
Management confident in scalable, technology-led growth with disciplined risk and capital
Profit After Tax rose 27% y-y to INR656 mn; RoE improved to 13.4%
Gross NPA improved to 0.66%, net NPA to 0.46%; collection efficiency at 98.3%