Investor Presentation

Paisalo Digital delivered strong financial results for the quarter and half-year. **Business Performance:** The company achieved record Assets Under Management (AUM) of **Rs 5,449.4 Cr (+20% YoY)**, fueled by highest-ever quarterly disbursements of **Rs 1,102.5 Cr (+41% YoY)**. Total Income reached **Rs 224 Cr (+20% YoY)**. Profit After Tax (PAT) was **Rs 51.5 Cr (+3% YoY)**, with robust asset quality (GNPA 0.81%, NNPA 0.65%). The customer base grew to ~13 million across 4,380 touchpoints in 22 states. **Growth Drivers & Strategy:** Paisalo focuses on disrupting MSME and small-ticket income generation loans through AI/ML-driven credit assessment.

A key strategy is scaling retail co-lending by deepening partnerships and expanding reach.

Its "High Tech: High Touch" model, combined with a Triple A strategy (Accessibility, Affordability, Awareness), drives inclusive financial participation. **Recent Developments & Outlook:** A USD 4 million conversion from its maiden USD 50 million FCCB issuance strengthened equity, alongside promoters increasing their stake to 41.2%. This enhanced capital base positions the company for accelerated growth and sustained profitability, with a continued focus on MSME and income generation lending.