- #893 Sunil Agarwal & family ₹3,300 Cr

About Paisalo Digital Limited
Data last updated:
Paisalo Digital Limited is a public limited company based in New Delhi, Delhi, India. It operates in the non-banking financial services (NBFC) segment of the financial services sector. It was incorporated on 05 March 1992 and has been in existence for over 34 years.
Its director Sunil Agarwal and family are #893 among India's richest people (2026).
The company is registered with the Registrar of Companies (ROC), Delhi, under CIN L65921DL1992PLC120483. Its GSTIN is 07AACCS1879G1Z7 (Delhi). The company holds 15 GST registrations, of which 13 are active. It is a listed company as per MCA records. Its shares are listed on BSE: 532900 and NSE: PAISALO.
The company has an authorised share capital of ₹180 Cr and a paid-up capital of ₹90.95 Cr. It was formerly known as S. E. Investments Limited and S. E. Investments Private Limited. It is led by directors including Sunil Agarwal (Managing Director) and Harish Singh (Whole-Time Director).
Its last annual general meeting (AGM) was held on 29 September 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Csc Pocket – 52 Cr Park Near Police Station, New Delhi, Delhi, India – 110019.
As per the latest consolidated financials for FY 2025-26, the company reported a revenue of ₹943.7 Cr, a growth of 22.4% compared to the previous year. For the same year it recorded a net profit of ₹239.95 Cr (net margin 25.4%) and EBITDA of ₹704.98 Cr (EBITDA margin 74.7%). The net worth stands at ₹1,792.98 Cr (up 16.8% YoY). Total assets are valued at ₹6,152.65 Cr (up 20.8% YoY).
Its group structure includes 1 subsidiary.
The company is associated with 1 brand: Paisalo Digital. As per MCA filings, the company has open charges of ₹6,416.63 Cr and satisfied charges of ₹3,307.15 Cr on record. Court records list 1,662 cases involving the company, including 1,326 filed by the company and 336 filed against it; 316 cases are pending. The company has 29 deals on record (24 market trades, 3 debt financings, 1 funding round), with disclosed funding of ₹480 Cr; the latest was in July 2026.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website paisalo.in.
Company details
Name history
Paisalo Digital has undergone 2 name changes throughout its history. The company was previously known as S. E. Investments Limited, and S. E. Investments Private Limited. The current legal name is Paisalo Digital Limited.
| Company Name | Status |
|---|---|
| Paisalo Digital Limited | Current |
| S. E. Investments Limited | Previous |
| S. E. Investments Private Limited | Previous |
CIN history
Paisalo Digital has one previous CIN (Corporate Identification Number): L65921DL2003PLC120483. The current CIN is L65921DL1992PLC120483, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65921DL1992PLC120483 | Current |
| L65921DL2003PLC120483 | Previous |
Recognitions & Rankings of Paisalo Digital
Contact details
Paisalo Digital Limited's registered office is in New Delhi, Delhi. Its website is paisalo.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressCsc Pocket – 52 Cr Park Near Police Station, New Delhi, Delhi, India – 110019
- IndustryFinancial Services, NBFC, Investment & Credit NBFC
To see the full contact details of Paisalo Digital Limited, buy the company report.
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
Brands
Paisalo Digital operates one associated brand: Paisalo Digital. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Digital lending services are provided to underserved populations. | paisalo.in |
Business activity
The main business activity of Paisalo Digital is financial and insurance service. In detail, this covers financial and credit leasing activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing activities |
To see the full business activity and turnover split of Paisalo Digital Limited, buy the company report.
Financials of Paisalo Digital Limited
FY 2025-26 filings availablePaisalo Digital Limited reported revenue of ₹943.7 Cr (up 22.4% YoY) for FY 2025-26.
Financial Highlights
FY 2025-26 · ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 944 | 771 | 659 | 473 | 392 | 346 | 375 |
| Revenue growth | +22.4% | +17.1% | +39.2% | +20.6% | +13.4% | -7.7% | - |
| EBITDA | 705 | 601 | 514 | 338 | 294 | 243 | 235 |
| EBITDA margin | +74.7% | +78.0% | +78.1% | +71.5% | +75.1% | +70.2% | +62.6% |
| Profit before tax | 318 | 268 | 241 | 126 | 107 | 77.76 | 74.15 |
| Net profit | 240 | 199 | 179 | 96.78 | 79.27 | 57.65 | 54.12 |
| Net profit margin | +25.4% | +25.9% | +27.1% | +20.5% | +20.2% | +16.7% | +14.4% |
| EPS (₹) | 2.61 | 2.22 | 1.99 | 2.08 | 18.04 | 13.71 | 12.80 |
| Balance sheet | |||||||
| Total assets | 6,153 | 5,094 | 3,985 | 3,280 | 2,699 | 2,187 | 2,003 |
| Net worth | 1,793 | 1,535 | 1,329 | 1,163 | 1,023 | 865 | 766 |
| Total debt | 4,360 | 3,559 | 2,655 | 2,117 | 1,676 | 1,322 | 1,237 |
| Cash & bank | 150 | 105 | 14.58 | 29.11 | 10.34 | 47.78 | 34.99 |
| Net working capital | 132 | 50.18 | (37.25) | 47.33 | 49.43 | 12.67 | (14.54) |
| Cash flow | |||||||
| Cash from operations | (783) | (842) | (570) | (452) | (396) | (97.89) | 35.17 |
| Cash from investing | (15.21) | (12.68) | 2.60 | (5.07) | (3.08) | (0.07) | (0.30) |
| Cash from financing | 843 | 944 | 553 | 476 | 362 | 111 | (13.93) |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 260 | 261 | 240 | 224 | 219 | 194 | 204 | 187 |
| Revenue growth (YoY) | +19.0% | +34.7% | +17.8% | +19.8% | +17.2% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.78 | 0.00 | 0.00 |
| EBITDA | 202 | 189 | 187 | 169 | 160 | 150 | 166 | 146 |
| EBITDA margin | +77.6% | +72.6% | +77.8% | +75.4% | +73.2% | +77.6% | +81.3% | +77.8% |
| Depreciation | 4.33 | 4.73 | 3.13 | 2.18 | 2.20 | 2.23 | 1.23 | 1.05 |
| Interest | 116 | 87.58 | 94.71 | 97.77 | 94.27 | 85.83 | 82.08 | 77.32 |
| Profit before tax | 82.20 | 97.01 | 88.80 | 69.00 | 63.60 | 63.11 | 82.30 | 67.14 |
| Tax | 20.89 | 24.78 | 22.55 | 17.46 | 16.43 | 16.83 | 19.87 | 17.22 |
| Net profit | 61.31 | 72.23 | 66.25 | 51.54 | 47.17 | 46.28 | 62.43 | 49.92 |
| EPS (₹) | 0.67 | 0.80 | 0.73 | 0.57 | 0.52 | 0.51 | 0.70 | 0.56 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 917 | 735 | 605 | 423 | 356 | 312 | 337 |
| Revenue growth | +24.9% | +21.5% | +43.1% | +18.7% | +14.4% | -7.7% | - |
| EBITDA | 692 | 579 | 481 | 307 | 276 | 224 | 212 |
| EBITDA margin | +75.5% | +78.8% | +79.5% | +72.7% | +77.6% | +71.9% | +62.7% |
| Profit before tax | 315 | 265 | 239 | 124 | 106 | 77.24 | 73.92 |
| Net profit | 235 | 197 | 177 | 94.89 | 78.72 | 57.15 | 54.04 |
| Net profit margin | +25.7% | +26.8% | +29.2% | +22.4% | +22.1% | +18.3% | +16.0% |
| EPS (₹) | 2.58 | 2.19 | 1.97 | 2.04 | 17.92 | 13.63 | 12.78 |
| Balance sheet | |||||||
| Total assets | 6,047 | 4,930 | 3,770 | 2,968 | 2,494 | 2,040 | 1,826 |
| Net worth | 1,773 | 1,518 | 1,315 | 1,150 | 1,013 | 854 | 756 |
| Total debt | 4,274 | 3,412 | 2,456 | 1,818 | 1,481 | 1,186 | 1,070 |
| Cash & bank | 150 | 104 | 13.56 | 28.25 | 9.56 | 46.82 | 31.34 |
| Net working capital | 120 | 46.79 | (40.49) | 44.14 | 44.66 | 8.40 | (21.18) |
| Cash flow | |||||||
| Cash from operations | (855) | (894) | (669) | (347) | (337) | (127) | (7.72) |
| Cash from investing | (15.21) | (12.68) | 2.60 | (5.07) | (3.08) | (0.07) | (0.30) |
| Cash from financing | 916 | 997 | 652 | 371 | 303 | 142 | 29.84 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 255 | 256 | 236 | 216 | 210 | 190 | 194 | 176 |
| Revenue growth (YoY) | +21.5% | +34.8% | +22.0% | +22.7% | +19.5% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.59 | 0.00 | 0.00 |
| Total expenses | 54.79 | 69.17 | 51.98 | 49.99 | 53.77 | 44.92 | 33.20 | 35.85 |
| EBITDA | 200 | 186 | 184 | 166 | 156 | 145 | 161 | 140 |
| EBITDA margin | +78.5% | +72.9% | +78.0% | +76.8% | +74.3% | +76.3% | +82.9% | +79.6% |
| Depreciation | 4.33 | 4.73 | 3.13 | 2.18 | 2.20 | 2.23 | 1.23 | 1.04 |
| Interest | 114 | 86.10 | 93.03 | 95.40 | 90.68 | 81.68 | 77.49 | 72.42 |
| Profit before tax | 81.60 | 95.67 | 88.17 | 68.26 | 62.94 | 61.48 | 81.84 | 66.62 |
| Tax | 20.74 | 24.43 | 22.21 | 17.46 | 16.26 | 16.47 | 19.76 | 17.10 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 260 | 261 | 240 | 224 | 219 | 194 | 204 | 187 |
| Revenue growth (YoY) | +19.0% | +34.7% | +17.8% | +19.8% | +17.2% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.78 | 0.00 | 0.00 |
| EBITDA | 202 | 189 | 187 | 169 | 160 | 150 | 166 | 146 |
| EBITDA margin | +77.6% | +72.6% | +77.8% | +75.4% | +73.2% | +77.6% | +81.3% | +77.8% |
| Depreciation | 4.33 | 4.73 | 3.13 | 2.18 | 2.20 | 2.23 | 1.23 | 1.05 |
| Interest | 116 | 87.58 | 94.71 | 97.77 | 94.27 | 85.83 | 82.08 | 77.32 |
| Profit before tax | 82.20 | 97.01 | 88.80 | 69.00 | 63.60 | 63.11 | 82.30 | 67.14 |
| Tax | 20.89 | 24.78 | 22.55 | 17.46 | 16.43 | 16.83 | 19.87 | 17.22 |
| Net profit | 61.31 | 72.23 | 66.25 | 51.54 | 47.17 | 46.28 | 62.43 | 49.92 |
| EPS (₹) | 0.67 | 0.80 | 0.73 | 0.57 | 0.52 | 0.51 | 0.70 | 0.56 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 944 | 771 | 659 | 473 | 392 | 346 | 375 |
| Revenue growth | +22.4% | +17.1% | +39.2% | +20.6% | +13.4% | -7.7% | - |
| Other income | 0.00 | 0.78 | 0.48 | 0.00 | 0.00 | 0.42 | 0.00 |
| Total expenses | 239 | 170 | 145 | 135 | 97.76 | 103 | 140 |
| Employee cost | 69.06 | 56.10 | 42.54 | 28.33 | 20.70 | 18.99 | 20.83 |
| EBITDA | 705 | 601 | 514 | 338 | 294 | 243 | 235 |
| EBITDA margin | +74.7% | +78.0% | +78.1% | +71.5% | +75.1% | +70.2% | +62.6% |
| Depreciation | 12.24 | 5.47 | 3.40 | 3.29 | 3.23 | 3.74 | 4.03 |
| Interest | 374 | 328 | 270 | 209 | 184 | 162 | 157 |
| Profit before tax | 318 | 268 | 241 | 126 | 107 | 77.76 | 74.15 |
| Tax | 81.20 | 68.24 | 62.21 | 32.62 | 27.87 | 19.79 | 20.03 |
| Net profit | 240 | 199 | 179 | 96.78 | 79.27 | 57.65 | 54.12 |
| Net profit margin | +25.4% | +25.9% | +27.1% | +20.5% | +20.2% | +16.7% | +14.4% |
| EPS (₹) | 2.61 | 2.22 | 1.99 | 2.08 | 18.04 | 13.71 | 12.80 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 90.96 | 90.22 | 89.81 | 44.91 | 43.92 | 42.30 | 42.30 |
| Reserves & surplus | 1,702 | 1,445 | 1,240 | 1,118 | 962 | 777 | 724 |
| Shareholders' funds (net worth) | 1,793 | 1,535 | 1,329 | 1,163 | 1,023 | 865 | 766 |
| Minority interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 4,360 | 3,559 | 2,655 | 2,117 | 1,676 | 1,322 | 1,237 |
| Total debt | 4,360 | 3,559 | 2,655 | 2,117 | 1,676 | 1,322 | 1,237 |
| Total liabilities | 6,153 | 5,094 | 3,985 | 3,280 | 2,699 | 2,187 | 2,003 |
| Assets | |||||||
| Gross block | 114 | 99.21 | 86.88 | 83.49 | 78.62 | 77.40 | 77.33 |
| Net block | 84.22 | 74.61 | 66.45 | 66.28 | 63.62 | 64.27 | 66.27 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 19.81 | 20.30 | 20.04 | 25.19 | 25.68 | 23.90 | 23.90 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 17.66 | 21.21 | 12.25 | 9.75 | 28.07 | 31.69 | 11.89 |
| Cash & bank balances | 150 | 105 | 14.58 | 29.11 | 10.34 | 47.78 | 34.99 |
| Loans & advances | 98.53 | 79.24 | 74.29 | 82.61 | 66.63 | 15.11 | 184 |
| Total current assets | 266 | 205 | 101 | 121 | 105 | 94.58 | 230 |
| Total current liabilities | 134 | 155 | 138 | 74.14 | 55.61 | 81.91 | 245 |
| Net working capital | 132 | 50.18 | (37.25) | 47.33 | 49.43 | 12.67 | (14.54) |
| Total assets | 6,153 | 5,094 | 3,985 | 3,280 | 2,699 | 2,187 | 2,003 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 105 | 14.58 | 29.11 | 10.34 | 47.78 | 34.99 | 14.05 |
| Net cash from operating activities | (783) | (842) | (570) | (452) | (396) | (97.89) | 35.17 |
| Net cash from investing activities | (15.21) | (12.68) | 2.60 | (5.07) | (3.08) | (0.07) | (0.30) |
| Net cash from financing activities | 843 | 944 | 553 | 476 | 362 | 111 | (13.93) |
| Net change in cash | 45.20 | 90.23 | (14.53) | 18.77 | (37.44) | 12.78 | 20.94 |
| Closing cash | 150 | 105 | 14.58 | 29.11 | 10.34 | 47.78 | 34.99 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +22.4% | +17.1% | +39.2% | +20.6% | +13.4% | -7.7% | - |
| EBITDA growth | +17.2% | +17.0% | +52.0% | +14.9% | +21.2% | +3.5% | - |
| PBT growth | +18.7% | +11.3% | +91.0% | +17.9% | +37.8% | +4.9% | -12.7% |
| Net income growth | +20.3% | +11.7% | +84.5% | +22.1% | +37.5% | +6.5% | - |
| Revenue CAGR (3Y) | +25.9% | +25.3% | +23.9% | +8.1% | +2.8% | +4.5% | +12.0% |
| EBITDA CAGR (3Y) | +27.7% | +26.9% | +28.4% | +13.0% | +7.3% | +5.1% | +9.5% |
| Profitability & leverage | |||||||
| Net income margin | +25.1% | +26.0% | +27.2% | +19.8% | +20.2% | +16.8% | +14.4% |
| Return on capital employed | +12.3% | +13.2% | +14.1% | +11.2% | +11.9% | +11.5% | +12.1% |
| Return on net worth | +14.3% | +14.0% | +14.4% | +8.6% | +8.4% | +7.1% | +7.6% |
| Debt / equity | 2.38 | 2.17 | 1.92 | 1.74 | 1.59 | 1.58 | 1.68 |
| Long-term debt / equity | 2.21 | 1.76 | 1.30 | 0.89 | 0.61 | 0.53 | 0.46 |
| Interest cover | 54.04 | 55.10 | 52.87 | 62.30 | 63.22 | 67.68 | 67.86 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 9.10 | 8.59 | 8.05 | 6.09 | 5.26 | 4.70 | 8.61 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 48.56 | 46.14 | 59.93 | 25.02 | 13.13 | 15.90 | 30.61 |
| EPS (₹) | 2.61 | 2.22 | 1.99 | 2.08 | 18.04 | 13.71 | 12.80 |
| Dividend per share (₹) | 0.10 | 0.10 | 0.10 | 0.10 | 1.00 | 1.00 | 1.00 |
| Book value per share (₹) | 19.68 | 16.98 | 14.77 | 25.81 | 228.28 | 192.79 | 180.23 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 255 | 256 | 236 | 216 | 210 | 190 | 194 | 176 |
| Revenue growth (YoY) | +21.5% | +34.8% | +22.0% | +22.7% | +19.5% | - | - | - |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.59 | 0.00 | 0.00 |
| Total expenses | 54.79 | 69.17 | 51.98 | 49.99 | 53.77 | 44.92 | 33.20 | 35.85 |
| EBITDA | 200 | 186 | 184 | 166 | 156 | 145 | 161 | 140 |
| EBITDA margin | +78.5% | +72.9% | +78.0% | +76.8% | +74.3% | +76.3% | +82.9% | +79.6% |
| Depreciation | 4.33 | 4.73 | 3.13 | 2.18 | 2.20 | 2.23 | 1.23 | 1.04 |
| Interest | 114 | 86.10 | 93.03 | 95.40 | 90.68 | 81.68 | 77.49 | 72.42 |
| Profit before tax | 81.60 | 95.67 | 88.17 | 68.26 | 62.94 | 61.48 | 81.84 | 66.62 |
| Tax | 20.74 | 24.43 | 22.21 | 17.46 | 16.26 | 16.47 | 19.76 | 17.10 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 917 | 735 | 605 | 423 | 356 | 312 | 337 |
| Revenue growth | +24.9% | +21.5% | +43.1% | +18.7% | +14.4% | -7.7% | - |
| Other income | 0.00 | 0.59 | 0.58 | 0.00 | 0.00 | 0.64 | 0.00 |
| Total expenses | 225 | 155 | 124 | 115 | 79.98 | 87.46 | 126 |
| Employee cost | 66.99 | 53.99 | 40.52 | 26.37 | 18.73 | 17.32 | 18.65 |
| EBITDA | 692 | 579 | 481 | 307 | 276 | 224 | 212 |
| EBITDA margin | +75.5% | +78.8% | +79.5% | +72.7% | +77.6% | +71.9% | +62.7% |
| Depreciation | 12.24 | 5.47 | 3.40 | 3.29 | 3.23 | 3.73 | 4.01 |
| Interest | 365 | 309 | 240 | 180 | 167 | 144 | 134 |
| Profit before tax | 315 | 265 | 239 | 124 | 106 | 77.24 | 73.92 |
| Tax | 80.36 | 67.51 | 61.52 | 32.13 | 27.68 | 19.61 | 19.88 |
| Net profit | 235 | 197 | 177 | 94.89 | 78.72 | 57.15 | 54.04 |
| Net profit margin | +25.7% | +26.8% | +29.2% | +22.4% | +22.1% | +18.3% | +16.0% |
| EPS (₹) | 2.58 | 2.19 | 1.97 | 2.04 | 17.92 | 13.63 | 12.78 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 90.96 | 90.22 | 89.81 | 44.91 | 43.92 | 42.30 | 42.30 |
| Reserves & surplus | 1,682 | 1,427 | 1,225 | 1,105 | 951 | 766 | 714 |
| Shareholders' funds (net worth) | 1,773 | 1,518 | 1,315 | 1,150 | 1,013 | 854 | 756 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 4,274 | 3,412 | 2,456 | 1,818 | 1,481 | 1,186 | 1,070 |
| Total debt | 4,274 | 3,412 | 2,456 | 1,818 | 1,481 | 1,186 | 1,070 |
| Total liabilities | 6,047 | 4,930 | 3,770 | 2,968 | 2,494 | 2,040 | 1,826 |
| Assets | |||||||
| Gross block | 114 | 98.89 | 86.56 | 83.17 | 78.31 | 77.10 | 77.03 |
| Net block | 84.22 | 74.60 | 66.43 | 66.26 | 63.61 | 64.26 | 66.25 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 62.05 | 62.54 | 62.28 | 67.43 | 67.92 | 66.14 | 66.14 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 17.66 | 21.13 | 11.90 | 9.38 | 27.88 | 31.25 | 10.65 |
| Cash & bank balances | 150 | 104 | 13.56 | 28.25 | 9.56 | 46.82 | 31.34 |
| Loans & advances | 83.90 | 73.43 | 67.21 | 75.84 | 59.90 | 9.96 | 180 |
| Total current assets | 251 | 198 | 92.67 | 113 | 97.34 | 88.03 | 222 |
| Total current liabilities | 131 | 151 | 133 | 69.33 | 52.68 | 79.63 | 243 |
| Net working capital | 120 | 46.79 | (40.49) | 44.14 | 44.66 | 8.40 | (21.18) |
| Total assets | 6,047 | 4,930 | 3,770 | 2,968 | 2,494 | 2,040 | 1,826 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 104 | 13.56 | 28.25 | 9.56 | 46.82 | 31.34 | 9.52 |
| Net cash from operating activities | (855) | (894) | (669) | (347) | (337) | (127) | (7.72) |
| Net cash from investing activities | (15.21) | (12.68) | 2.60 | (5.07) | (3.08) | (0.07) | (0.30) |
| Net cash from financing activities | 916 | 997 | 652 | 371 | 303 | 142 | 29.84 |
| Net change in cash | 46.15 | 90.10 | (14.68) | 18.69 | (37.26) | 15.48 | 21.83 |
| Closing cash | 150 | 104 | 13.56 | 28.25 | 9.56 | 46.82 | 31.34 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +24.9% | +21.5% | +43.1% | +18.7% | +14.4% | -7.7% | - |
| EBITDA growth | +19.5% | +20.4% | +56.5% | +11.2% | +23.4% | +6.0% | - |
| PBT growth | +18.8% | +11.2% | +92.6% | +16.4% | +37.8% | +4.5% | -12.7% |
| Net income growth | +19.3% | +11.7% | +86.1% | +20.5% | +37.7% | +5.8% | - |
| Revenue CAGR (3Y) | +29.4% | +27.3% | +24.8% | +7.8% | +3.9% | +4.4% | +10.6% |
| EBITDA CAGR (3Y) | +31.1% | +28.0% | +29.0% | +13.3% | +9.2% | +5.0% | +7.3% |
| Profitability & leverage | |||||||
| Net income margin | +25.6% | +26.9% | +29.3% | +21.7% | +22.1% | +18.5% | +16.0% |
| Return on capital employed | +12.4% | +13.2% | +14.2% | +11.2% | +12.1% | +11.5% | +12.1% |
| Return on net worth | +14.3% | +14.0% | +14.4% | +8.5% | +8.5% | +7.2% | +7.7% |
| Debt / equity | 2.34 | 2.08 | 1.74 | 1.53 | 1.43 | 1.41 | 1.44 |
| Long-term debt / equity | 2.18 | 1.68 | 1.13 | 0.72 | 0.53 | 0.46 | 0.36 |
| Interest cover | 53.69 | 53.90 | 50.20 | 59.29 | 61.05 | 65.24 | 64.37 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 8.88 | 8.22 | 7.43 | 5.47 | 4.80 | 4.25 | 7.81 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 47.30 | 44.53 | 56.92 | 22.70 | 12.05 | 14.90 | 33.39 |
| EPS (₹) | 2.58 | 2.19 | 1.97 | 2.04 | 17.92 | 13.63 | 12.78 |
| Dividend per share (₹) | 0.10 | 0.10 | 0.10 | 0.10 | 1.00 | 1.00 | 1.00 |
| Book value per share (₹) | 19.46 | 16.79 | 14.60 | 25.54 | 225.81 | 190.30 | 177.85 |
To see the full year-wise statements and ratios of Paisalo Digital Limited, buy the company report.
Board of directors of Paisalo Digital Limited
Paisalo Digital has 10 current directors and 21 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Sunil Agarwal Also directs: Pro Fitcch Private Limited, Pri Caf Private Limited, Aanjneya Motor Private Limited and 5 more | Managing Director | 22 May 2003 | 23 Years 5 Months | Current |
| Harish Singh | Whole-Time Director | 01 Aug 2008 | 18 Years 2 Months | Current |
| Nisha Jolly Also directs: Nupur Finvest Private Limited | Director | 30 May 2020 | 6 Years 4 Months | Current |
| Anoop Krishna | Whole-Time Director | 23 Feb 2018 | 8 Years 7 Months | Current |
| Raman Aggarwal | Director | 15 Oct 2019 | 7 Years 0 Months | Current |
| Vijuy Ronjan | Director | 08 Oct 2021 | 5 Years 0 Months | Current |
Auditor
Paisalo Digital Limited is audited by Mukesh Kumar & Co for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Mukesh Kumar & Co | FY 2019 | 002040C |
Shareholding
Shareholding for the quarter ended Sep 2026: promoters hold 46.70%, foreign institutional investors hold 6.80%, domestic institutional investors hold 6.80% and retail and other public shareholders hold 39.70%.
| Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | |
|---|---|---|---|---|
| Promoters | 46.70% | 41.80% | 41.80% | 41.20% |
| Public | 53.30% | 58.20% | 58.20% | 58.80% |
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 30 Jun 2026 | 101324582 | The Jammu and Kashmir Bank Limited | ₹100 Cr | Open | |
| 25 Jun 2026 | 101320172 | Others | ₹100 Cr | Open | |
| 24 Jun 2026 | 101316504 | Others | ₹50 Cr | Open | |
| 26 May 2026 | 101305269 | Indian Overseas Bank | ₹250 Cr | Open | |
| 15 May 2026 | 101291309 | Sbicap Trustee Company Limited | ₹142.16 Cr | Open |
To see the full charge records of Paisalo Digital Limited, buy the company report.
Total charge records: 155 View all charges
Deals & funding
Paisalo Digital Limited has 29 deals on record (24 market trades, 3 debt financings, 1 funding round), with disclosed funding of ₹480 Cr; the latest was in July 2026.
Deals on record (5 of 29)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Jul 2026 | Market trade | ₹72.63 Cr | Buyer: Jevin Stock Broker Private Limited , an individual Seller: Jevin Stock Broker Private Limited , an individual |
| Sep 2025 | Market trade | ₹17.26 Cr | Buyer: Equilibrated Venture Cflow Private Limited |
| Jul 2025 | Market trade | ₹33.08 Cr | Buyer: Graviton Research Capital LLP , Hrti Private Limited Seller: Graviton Research Capital LLP , Hrti Private Limited |
| Jul 2024 | Funding round | Undisclosed | Investors: Standard Capital Markets Limited |
| Jan 2024 | Market trade | ₹29.39 Cr | Buyer: Graviton Research Capital LLP Seller: Graviton Research Capital LLP |
To see the full deal history of Paisalo Digital Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
Paisalo Digital Limited has 1,662 court cases on record: 1,326 filed by Paisalo Digital, 336 filed against it. 316 cases are pending and 1,346 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 1,095 | 133 | 209 |
| High courts | 492 | 152 | 93 |
| NCLAT | 37 | 26 | 11 |
| Supreme Court | 22 | 18 | 1 |
| NCLT | 16 | 7 | 2 |
Cases on record (5 of 1,662)
| Court | Type of case | Party | Status |
|---|---|---|---|
| NCLAT, NCLAT New Delhi | Interim or miscellaneous application | Filed against the company by Express Hotels Private Limited | Pending |
| NCLAT, NCLAT New Delhi | Insolvency matter | Filed against the company by Express Hotels Private Limited | Pending |
| High Court of Delhi | Court case (O.M.P. (COMM)) | Filed against the company by M/S. Jay Tel Mobile Pvt Ltd & Ors. | Pending |
| Bombay High Court | Interim or miscellaneous application | Filed by the company against Star Bazaar Private Limited, (Through Its Director/Manager/Secretary) | Pending |
| Bombay High Court | Interim or miscellaneous application | Filed by the company against S S V Developers and Builders Private Limited and 1 other | Pending |
To see the full case history of Paisalo Digital Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Paisalo Digital Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Group structure & subsidiaries
Paisalo Digital has 1 subsidiary company. This group structure data is as of FY 2025. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares held |
|---|---|---|
| Nupur Finvest Private Limited | U67120DL1995PTC231086 |
To see the full group structure of Paisalo Digital Limited, buy the company report.
GST
Paisalo Digital has 15 GST registrations: 13 active and 2 cancelled or inactive. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 07AACCS1879G1Z7 | Delhi | Active | 01 Jul 2017 |
| 07AACCS1879G2Z6 | Delhi | Active | 31 Mar 2025 |
| 08AACCS1879G1Z5 | Rajasthan | Active | 01 Jul 2017 |
| 09AACCS1879G3Z1 | Uttar Pradesh | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Paisalo Digital Limited, buy the company report.
Recent activity
Paisalo Digital Limited has 49 board changes on record since 1995: 30 appointments and 19 cessations. The latest: Gauri Shankar ceased to be Director on 21 Jul 2025.
295 earlier events are in the company report.
News
Frequently asked questions
Paisalo Digital is an active public limited company based in New Delhi, Delhi, India. The company works in nbfc, within the financial services industry. It was incorporated on 05 March 1992 (34+ years old) and is registered under CIN L65921DL1992PLC120483. Listed on BSE: 532900 and NSE: PAISALO.
Paisalo Digital reported revenue of ₹943.7 Cr for FY 2025-26 (up 22.4% YoY) based on consolidated financials.
Paisalo Digital has 10 current directors:
- Sunil Agarwal - Managing Director
- Harish Singh - Whole-Time Director
- Anoop Krishna - Whole-Time Director
- Santanu Agarwal - Whole-Time Director
- Vinod Kumar - Whole-Time Director
- Nisha Jolly - Director
- Raman Aggarwal - Director
- Vijuy Ronjan - Director
- Jitendra Kumar Ojha - Director
- Dharmendra Singh Gangwar - Director
The latest financial statements of Paisalo Digital on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 29 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of Paisalo Digital is 07AACCS1879G1Z7, registered in Delhi. The company has 15 GST registrations in all, of which 13 are active and 2 are cancelled or inactive. Other active GSTINs include 07AACCS1879G2Z6 (Delhi), 08AACCS1879G1Z5 (Rajasthan), 09AACCS1879G3Z1 (Uttar Pradesh).
The CIN (Corporate Identification Number) of Paisalo Digital is L65921DL1992PLC120483. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. Paisalo Digital is a listed company as per MCA records. Its shares are listed on both BSE (code: 532900) and NSE (symbol: PAISALO).
Paisalo Digital has 1,662 court cases on record: 1,326 filed by the company and 336 filed against it. 316 are pending. Most are in the district courts.
Paisalo Digital was incorporated on 05 March 1992, making it 34+ years old. It is registered with the Registrar of Companies, Delhi.
Paisalo Digital has 29 deals on record (24 market trades, 3 debt financings, 1 funding round), with disclosed funding of ₹480 Cr; the latest was in July 2026.