| Partnership Value | ₹1,000 CrCo-lending Facility |
|---|---|
| Market Cap | ₹6,263.88 CrBanking & Finance |
| TTM Net Profit | ₹251.35 Cr18.5% Annual Growth |
| 1-Year Return | 125.88%Stock Performance |
| Deal value | ₹1,000 Cr |
| Share of market cap | 16.0% |
| Share of annual revenue | 101.5% |
Key highlights
- Proposed co-lending facility aggregating up to ₹1,000 Crore focused on MSMEs and micro-enterprises
- Funding structure involves Paisalo providing 80% and LoanKhata contributing 20% of eligible loans
- Access to LoanKhata’s ecosystem of 1,00,000+ retailers with CSP registration and 90 million customers
- Partnership integrates Paisalo’s 5,995 touchpoints across 23 states with LoanKhata’s digital distribution
- Strategic alignment with the company’s three-year goal to double total income and PAT
Strategic Partnership for Financial Inclusion
Paisalo Digital has formalised a strategic partnership with LoanKhata to provide formal credit to underserved borrowers. This ₹1,000 Crore facility focuses on the MSME and micro-enterprise sectors, where credit demand remains high. The agreement follows a 20/80 funding model, with LoanKhata managing 20% of the loan book.
This collaboration is designed to enhance borrower acquisition in semi-urban and rural India by leveraging LoanKhata's retailer network alongside Paisalo’s established underwriting and collection systems. The initiative reinforces Paisalo’s transition toward an AI-enabled, distribution-led growth platform focused on responsible lending practices.
Distribution Synergy and Reach
- Paisalo has expanded from 1,052 touchpoints in FY23 to 5,995 touchpoints as of Q1 FY27
- The network includes 424 branches, 3,997 distribution points, and 1,574 business correspondents
- LoanKhata provides access to a customer base exceeding 90 million underserved individuals
- Asset-light distribution model enables deeper borrower access through existing retailer infrastructure
- Combined reach strengthens sourcing and customer engagement across 23 states and UTs
Management Perspective on Scaling Growth
By combining LoanKhata's extensive network of over 1,00,000 retailer/CSP touchpoints and access to more than 90 million customers with Paisalo's 5,995 touchpoints, technology-enabled underwriting, digital onboarding and collection capabilities, we are creating a scalable operating model to serve a larger base of eligible MSME and micro-enterprise borrowers across India.
Financial Performance and Industry Context
The company reported a 19.01% YoY increase in quarterly revenue to ₹260.29 Crore, with net profit rising nearly 30% to ₹61.31 Crore. Market performance has been strong, with the stock delivering a triple-digit return over the past year. Paisalo maintains high efficiency with an operating profit margin of 77.65%.
Promoter confidence is reflected in a 4.97% increase in their holding during the latest quarter. The co-lending model allows the company to maintain a pristine asset quality focus through disciplined underwriting while achieving rapid scale in a sector showing robust credit demand.
“Our objective is to scale faster, but scale responsibly. We will continue to grow through deeper distribution, technology-led operating leverage, disciplined underwriting and pristine asset quality.”
| Share price | ₹68.87 |
|---|---|
| Market capitalisation | ₹6,263.88 Cr |
| Revenue (annual) | ₹943.70 Cr |
| Net profit (annual) | ₹237.21 Cr |
| Revenue (latest quarter) | ₹260.29 Cr-0.24% vs previous quarter |
| Net profit (latest quarter) | ₹61.31 Cr-15.11% vs previous quarter |
| P/E (TTM) | 24.92×Sector 22.83× |
| Promoter holding | 46.72%+4.97% QoQ |
| FII holding | 6.79%Current quarter |
Reference market data from a third-party provider, as of the story. Not a valuation or a recommendation.
Exchange filing by Paisalo Digital Limited announcing a memorandum of understanding for a ₹1,000 Crore co-lending partnership with LoanKhata. Market figures from a third-party data provider.
