Paisalo Digital Raises Rs 188.5 Cr At Just 8.5% Interest To Scale MSME Lending

Through its most recent public issuances in Q3, Paisalo Digital Limited, a leading systemically important non-deposit taking NBFC focused on inclusive lending, successfully raised around Rs 188.5 crores at an annual ROI of 8.5%. This rise demonstrates the company's solid balance sheet strength, prudent risk management, and outstanding credit profile.

It is anticipated that this offer would significantly lower Paisalo's cost of funds, improve its lending capacity, and fortify its medium-term capital base. The funds that were raised will be used by Paisalo to strengthen its High Tech-High Touch distribution approach, assist its pan-India expansion into 22 states and UTs, and expedite the launch of new lending services targeted at micro-entrepreneurs, self-employed borrowers, and underserved income categories.

"With 4,380 touchpoints and a rapidly growing customer franchise, Paisalo is positioned to capture a larger share of India's formalising MSME and income‑generation credit ecosystem. This raise comes at a time when NBFCs with strong governance and disciplined underwriting are expected to emerge as beneficiaries of evolving market dynamics," said Paisalo Digital in a stock exchange filing.

Paisalo's position as a major financial facilitator for India's underprivileged population is further cemented by these achievements, which also improve the company's credit profile and provide the groundwork for faster, more lucrative, and diversified growth over the medium term.

Recently, on December 23, 2025, Paisalo Digital Limited, a prominent non-banking finance firm (NBFC) with a focus on inclusive financing, announced a major expansion of its product ecosystem through new institutional and OEM relationships.

The organization has expanded into a number of high-impact industries, including agriculture, healthcare, and education. Paisalo has collaborated with organizations like Truvic Health, Edu Soft, and Sema Mart Health in the medical and educational sectors to provide institutions with structured loans to modernize essential equipment. The firm has partnered with top suppliers including Maschio, Shaktiman, and Preet Tractors to advance agricultural mechanization, allowing farmers and agri-entrepreneurs to increase output.

Additionally, Paisalo Digital is expanding its presence in renewable energy and industrial equipment. While partnerships with solar suppliers like Loom Solar and UTL encourage the use of sustainable power, partnerships with Kubota and Rishabh (Tata Genset) offer MSMEs funding options to expand their operations. In order to promote greener last-mile transportation options, the firm has also greatly expanded its alternative fuel-based mobility ecosystem through collaborations with prominent manufacturers including Piaggio, Mahindra Last Mile Mobility, and TVS Motor.

In both rural and urban Indian marketplaces, this calculated action is intended to increase product accessibility for micro-entrepreneurs, small enterprises, and independent contractors. By fortifying these partnerships, the organization aims to offer reasonably priced, purpose-driven loans that promote economic independence and the development of families.

With a market valuation of Rs 3,211.52 Cr, Paisalo Digital's shares closed on the BSE on Tuesday, January 6, at Rs 35.31 a share, down 0.68%. The stock reached a 52-week-high of Rs 48.19 on (17/01/2025) and a 52-week-low of Rs 29.40 on (20/06/2025).