Paisalo Digital Raises INR 188 Crore to Enhance Capital Efficiency

Paisalo Digital Limited has secured approximately INR 188 crore at an annual ROI of 8.5% through its latest listed issuances in Q3. This transaction is in line with the company’s strategy to reduce its cost of funds and strengthen its medium-term capital base. The funds will be utilized to enhance Paisalo’s lending capacity and support its expansion across 22 states and union territories in India.

The proceeds from this issuance will be deployed to deepen Paisalo’s High Tech–High Touch distribution model. The company plans to accelerate the rollout of new lending products aimed at micro-entrepreneurs, self-employed borrowers, and underserved income segments. Paisalo’s strategy includes expanding its reach through 4,380 touchpoints, thereby increasing its customer franchise.

This capital raise is part of Paisalo’s broader plan to capture a larger share of India’s formalizing MSME and income-generation credit ecosystem. The company is focused on leveraging its strong governance and disciplined underwriting to benefit from evolving market dynamics. The issuance is expected to contribute to faster, more diversified growth over the medium term.

Paisalo Digital Limited is a systematically important non-deposit taking NBFC focused on inclusive lending. The company prioritizes expanding its reach and enhancing its product offerings to serve India’s underserved population. Paisalo’s strategic initiatives are aimed at solidifying its role as a leading financial enabler in the market.