Paisalo Digital Shares Surge 2.8 Percent Following Credit Rating Upgrade and Stable Outlook Assignment

Paisalo Digital Limited, a leading nonbanking finance company (NBFC), saw its shares climb 2.81% to ₹34.70 in Wednesday’s trading session following a credit rating upgrade and stable outlook assignment from Infomerics Analytics and Research. According to an exchange filing released today, Infomerics assigned a new rating of IVR AA/Stable for the company’s long-term non-convertible debentures (NCDs) worth ₹1,500 crore, while reaffirming its existing ratings across multiple financial instruments. These include IVR AA/Stable for longterm bank facilities amounting to ₹4,500 crore and NCDs worth ₹559 crore, as well as a reaffirmed IVR A1+ rating for commercial papers totaling ₹540 crore. The stable outlook reflects the rating agency’s confidence in Paisalo Digital’s financial stability and growth prospects in the evolving NBFC sector.

The company recently announced a significant business expansion on March 25, 2026, with its appointment as a Business Correspondent (BC) partner for Indian Overseas Bank (IOB). This strategic partnership enhances Paisalo’s Banking-as-a-Service (BaaS) platform, joining existing BC partnerships with State Bank of India (SBI) and Bank of India (BOI). “This expansion demonstrates our commitment to bridging the financial inclusion gap through innovative banking solutions,” the company stated in its filing. The gains were further supported by positive sentiment across Dalal Street, with Indian benchmark indices rising over 2% amid hopes for geopolitical stability and declining crude oil prices.

Paisalo Digital’s robust financial metrics underscore the positive market sentiment. For the quarter ended December 2025 (Q3 FY2026), total income rose 18% year-on-year to ₹240 crore from ₹203.8 crore, while profit after tax increased 6% to ₹66.3 crore from ₹62.4 crore, marking the highest quarterly PAT on record. The net interest margin remained steady at 6.6%, assets under management grew 16% to ₹5,508 crore, and disbursements increased 7% to ₹1,057.4 crore, reflecting sustained demand for credit.

Paisalo Digital enjoys institutional backing from SBI Life Insurance, which holds a 6.83% stake in the company as of December 2025 shareholding data.

Paisalo Digital Limited is a technology-driven NBFC focused on financial inclusion and digital lending solutions. The company operates through its Banking-as-a-Service platform, serving underbanked segments across India through strategic partnerships with leading public sector banks.

Disclaimer: This article is for informational purposes only and does not constitute financial advice.

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