Paisalo Digital Expands Touchpoints 4x to 4,380, Customer Base to 13 Million
Paisalo Digital Limited has significantly accelerated its expansion, increasing its touchpoint network by approximately four times over the past three years. As of Q2FY26, the company operates 4,380 t...
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Why is Paisalo Digital Limited in the news today?
Paisalo Digital Limited (PAISALO) is in the news due to the announcement details significant positive growth in touchpoints, customer base, assets under management (aum), and quarterly disbursements, indicating strong business expansion and market penetration.
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Paisalo Digital Expands Touchpoints 4x to 4,380, Customer Base to 13 Million
December 19, 2025, 09:39 AM
Paisalo Digital Limited has significantly accelerated its expansion, increasing its touchpoint network by approximately four times over the past three years. As of Q2FY26, the company operates 4,380 touchpoints across 22 states and union territories, a substantial increase from 1,052 touchpoints across 18 states in FY23. This network comprises 402 branches, 2,585 distribution points, and 1,393 Business Correspondents (BCs).
The customer franchise has also seen remarkable growth, expanding from approximately 2 million in FY23 to about 13 million in H1FY26, a more than six-fold increase. This growth is attributed to robust market penetration and effective business development strategies.
This expansion has supported sustained business momentum, with Paisalo Digital reporting a record Assets Under Management (AUM) of ₹54,494 million, reflecting a ~25% CAGR over the last three years. This was driven by the highest-ever quarterly disbursements of ₹11,025 million in Q2FY26, a 41% year-on-year increase.
Santanu Agarwal, Deputy Managing Director of Paisalo Digital Limited, stated that the expanded touchpoints and customer franchise are central to the company's growth strategy, enabling close connection with customers, especially first-time and underserved borrowers. The company leverages a combination of local presence and technology-led underwriting to improve credit accessibility and financial awareness.
Paisalo Digital maintains strong asset quality with a collection efficiency of 98.4%, and GNPA and NNPA at 0.81% and 0.65%, respectively. The company has also invested in its workforce, growing its employee base to 3,255, supported by digital platforms and training. Furthermore, Paisalo Digital is focusing on cross-selling financial products through its BC and branch networks to enhance its BaaS (Banking as a Service) share and drive long-term customer value.
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