Paisalo Digital Announces Allotment of 5,000 NCDs Via Private Placement; Promoter Raises Stake

Paisalo Digital Limited announced the issuance of 5,000 secured, non-convertible debentures (NCDs) on September 10, 2025. The Operations and Finance Committee of the company gave its approval for the private placement. A face value of Rs 1 lakh, a 36-month term, and an annual interest rate of 10.00% are all features of each debenture. A first-ranking charge on loan receivables secures the debentures, and interest is paid on a monthly basis. Four equal quarterly installments will be made to cover the principal, with the first payment beginning in the ninth quarter. The interest rate will rise by 2.00% annually if principal or interest payments are not made for more than three months.

The BSE and National Stock Exchange received a disclosure from Equilibrated Venture Cflow (P) Ltd. on September 10, 2025, about its acquisition of shares in Paisalo Digital Limited. With a face value of Re. 1/-, Equilibrated Venture Cflow (P) Ltd. purchased 46,04,670 equity shares of Paisalo Digital Limited as a member of the promoter group.

The corporation gained 0.5104% more voting rights in Paisalo Digital Limited as a result of its open market transaction. The buyer had 15,48,36,776 shares, or 17.1637% of the entire share capital, prior to this transaction. Following the transaction, it now owned 15,94,41,446 shares, or 17.6741% of the voting rights to the stock. 90,21,18,289 equity shares of Re. 1 apiece, or a total of Rs. 90,21,18,289/-, remain the whole equity share capital of Paisalo Digital Limited.

With over 1.52 million customer franchises, over 3,500 touchpoints, and responsible capital deployment across 22 states, Paisalo reached new heights in FY24-25. By creating an Environmental & Social Management System (ESMS) in FY25, Paisalo made a significant move to integrate sustainability into its fundamental business activities. As of March 31, 2025, the company's total fully paid capital was Rs 902.18 million, and its other equity was Rs 14,274.36 million. The company only has one class of outstanding issued share capital, which is equity shares with a face value of Rs 1/-each. As of March 31, 2025, the company's book value per equity share was Rs 16.61.

Paisalo is modifying its borrowing practices to lessen its dependency on traditional bank loans. To meet its working capital needs, the company issued US$50 million worth of 5000 (five thousand) 7.5% Secured Foreign Currency Convertible Bonds due 2029 (FCCBs) of US$1000 each. For both its short-term and long-term funding needs, the company is also looking into alternative low-cost funding sources.

As of June 2025, Paisalo Digital's ownership structure included SBI Life Insurance Co. Ltd, which held an 8.96 percent stake, and Life Insurance Corporation of India (LIC), which held a 1.12 percent stake. The company continues to concentrate on providing income-generating, small ticket loans to populations across India.