Paisalo Digital Limited

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The Manager Department of Corporate Relationship BSE Limited 25th Floor P. J. Towers, Dalal Street Mumbai -400 001 Date: May 14, 2025 The Listing Department National Stock Exchange

14%

Overview FINANCIAL SUMMARY Q4 FY 2025 Paisalo Snapshot Q4 FY 2025 AUM ` 52,328 mn YoY Growth +14% Revenue ` 7,711 mn YoY Growth +17% Networth `15,257 mn YoY Growth +15% A good quarter on volume,

17%

2025 Paisalo Snapshot Q4 FY 2025 AUM ` 52,328 mn YoY Growth +14% Revenue ` 7,711 mn YoY Growth +17% Networth `15,257 mn YoY Growth +15% A good quarter on volume, AUM, Opex and credit cost. PAT was

15%

UM ` 52,328 mn YoY Growth +14% Revenue ` 7,711 mn YoY Growth +17% Networth `15,257 mn YoY Growth +15% A good quarter on volume, AUM, Opex and credit cost. PAT was up by 11%. Delivered AUM growth of 14

11%

orth `15,257 mn YoY Growth +15% A good quarter on volume, AUM, Opex and credit cost. PAT was up by 11%. Delivered AUM growth of 14% and added highest ever 1.52 mn customers to its franchise. Total Cust

39.16%

on and operating efficiencies. 02 Paisalo Snapshot Q4 FY 2025 PAT `2,001 mn YoY Growth +11% CAR 39.16% NNPA 0.76 % A good quarter on volume, AUM, Opex and credit cost. PAT was up by 11%. Delivered AUM

0.76 %

ing efficiencies. 02 Paisalo Snapshot Q4 FY 2025 PAT `2,001 mn YoY Growth +11% CAR 39.16% NNPA 0.76 % A good quarter on volume, AUM, Opex and credit cost. PAT was up by 11%. Delivered AUM growth of 14

14.10%

operating efficiencies. 03 Paisalo Snapshot Q4 FY 2025 Highest ever AUM as at Q4 FY 2025 was up 14.10% at ₹52,328 mn as against Q4 FY 2024 at ₹45,860 mn. The company successfully issued its First Forei

₹52,328

efficiencies. 03 Paisalo Snapshot Q4 FY 2025 Highest ever AUM as at Q4 FY 2025 was up 14.10% at ₹52,328 mn as against Q4 FY 2024 at ₹45,860 mn. The company successfully issued its First Foreign Currency

₹45,860

Q4 FY 2025 Highest ever AUM as at Q4 FY 2025 was up 14.10% at ₹52,328 mn as against Q4 FY 2024 at ₹45,860 mn. The company successfully issued its First Foreign Currency Convertible Bonds (FCCBs) amount to

50million

The company successfully issued its First Foreign Currency Convertible Bonds (FCCBs) amount to USD $50million approximately INR 4,230 million) in FY 2025, and USD 2 million has been converted into share capit

INR 4,230 million

issued its First Foreign Currency Convertible Bonds (FCCBs) amount to USD $50million approximately INR 4,230 million) in FY 2025, and USD 2 million has been converted into share capital. In Q4, the company added a h

Recovery

1

Recovery

1. Strong on ground presence. 2. Automated calls and messages at various stages of the customer’s journey. 3. Strong EWS setup. 16 EWS Framework Factors/Input Sources Data Processing Impact • Geo Political Events • Geo Spatial Data • Changes to Macro Indicators • Marco Economic Reports/Data Indicators • Regulatory or Policy driven restrictions • Industry or geography specific events • Credit reports • Credit Analytics • Portfolio Monitoring • Data driven Rule Based differential credit • Proactive Risk Management - Detect and Manage early signs of stress • Automated Triggers on Business, depending on geo spatial and geo political assessment • Geo spatial Risk Based product offerings at borrower credit and or product credit • Postal code level credit monitoring allows to minimize the potential impact of disasters • Geography based macro character assessment of borrower • Enhanced Credit, Character and Credential analysis • Improved Asset Quality - Corrective steps taken early • Enhanced D