Paisalo Digital Limited

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p Code: PAISALO To, The Manager Department of Corporate Relationship BSE Limited 25 P. J. Towers, Dalal Street Mumbai -400 001 Scrip Code: 532900 (Equity) Scrip Code: Equity- 532900 NCDs-975107,

RS 04

entation Q2 FY 2026www.paisalo.in INDEX 01 RESULT SNAPSHOT 02 ABOUT PAISALO 03 STRATEGIC PILLARS 04 SHAREHOLDING PATTERN 05 FINANCIAL PERFORMANCE 06 ENVIROMENT SOCIAL GOVERNANCE 3 Investor Pres

Rs 54,494

stor Presentation Q2 FY 2026www.paisalo.in Highlights for the Quarter Robust Growth Record AUM at Rs 54,494 mn (+20% YoY), led by highest ever disbursements of Rs 11,025 mn (+41% YoY) during the quarter. Hi

20%

on Q2 FY 2026www.paisalo.in Highlights for the Quarter Robust Growth Record AUM at Rs 54,494 mn (+20% YoY), led by highest ever disbursements of Rs 11,025 mn (+41% YoY) during the quarter. Highest ev

Rs 11,025

uarter Robust Growth Record AUM at Rs 54,494 mn (+20% YoY), led by highest ever disbursements of Rs 11,025 mn (+41% YoY) during the quarter. Highest ever Total Income at Rs 2,240 mn in Q2, marking a 20% Yo

41%

Growth Record AUM at Rs 54,494 mn (+20% YoY), led by highest ever disbursements of Rs 11,025 mn (+41% YoY) during the quarter. Highest ever Total Income at Rs 2,240 mn in Q2, marking a 20% YoY increa

Rs 2,240

st ever disbursements of Rs 11,025 mn (+41% YoY) during the quarter. Highest ever Total Income at Rs 2,240 mn in Q2, marking a 20% YoY increase. Customer franchise expanded to ~13 mn, with addition of ~1.8

15%

of ~1.8 mn customers during the quarter. Profitability & Asset Quality Net Interest Income was up 15% YoY at Rs 1,262 mn. Achieved Q2FY26 Profit Before Tax of Rs 690 mn and a Profit After Tax of Rs 515

Rs 1,262

customers during the quarter. Profitability & Asset Quality Net Interest Income was up 15% YoY at Rs 1,262 mn. Achieved Q2FY26 Profit Before Tax of Rs 690 mn and a Profit After Tax of Rs 515 mn, reflecting co

Rs 690

et Quality Net Interest Income was up 15% YoY at Rs 1,262 mn. Achieved Q2FY26 Profit Before Tax of Rs 690 mn and a Profit After Tax of Rs 515 mn, reflecting continued operational resilience. GNPA and NNPA r

Rs 515

up 15% YoY at Rs 1,262 mn. Achieved Q2FY26 Profit Before Tax of Rs 690 mn and a Profit After Tax of Rs 515 mn, reflecting continued operational resilience. GNPA and NNPA remained well-controlled at 0.81% and

0.81%

f Rs 515 mn, reflecting continued operational resilience. GNPA and NNPA remained well-controlled at 0.81% and 0.65% respectively as of Q2 FY26, underscoring robust risk management practices. This discipl

“Target Market Population (Having PAN but no credit history) 393 Million Income Tax Pan Holders India Population 572 Million 1.4 Billion Rs.”

“Mn) 4,684 18,494 5,158 21,815 9,088 25,840 15,450 30,410 14,930 37,398 Other MSME/SMEs 12% Other Income Generation 6% Food & Hospitality 25% FY21 FY22 FY23 FY24 FY25 MSME/SME Small Income Generation Disbursement Breakup (Rs.”

“Awareness Through targeted financial literacy programs and personalized guidance, Paisalo raises awareness about credit benefits and responsible borrowing.”

High Tech

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AUM Breakup

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HIGH TECH

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High Tech

High Touch Underwriting & Technology Co-Lending & Liability Professional Management 03 Centralized framework for real-time evaluation of credit, credentials, and character, leveraging in-house AI/ML models to strengthen credit scoring accuracy, risk monitoring, and CRM operations. 05 Experienced leadership team with deep domain expertise, supported by a robust and engaged board, driving disciplined execution and longterm value creation. Investor Presentation Q2 FY 2026www.paisalo.in 3.1 DISRUPTION Revolutionizing and Disrupting Credit 14 Q2 FY 2026 Investor Presentation Q2 FY 2026www.paisalo.in Small Income Generation Loans: The Opportunity THE PROBLEM Low availability of small loans from Financial Institutions. High operational cost of banks, inhibits lending volumes on small loans. High borrowing rate of NBFCs, restricts focus on small loans THE SOLUTION Bank’s low cost of funds and Paisalo’s low cost of operations results in lowest borrowing cost to the customer. Target Market Popul

AUM Breakup

H1FY26 – By Business Mix (%) 6,477 19,513 13,139 22,763 10,275 26,924 Health & Education 5% Technology 8% 1,229 13,009 2,106 14,237 FY 21 FY 22 FY 23 FY 24 FY 25 MSME/SME Small Income Generation 18 Agri & Allied Agri 14% Street Vendors 11% Heavy Industries 12% Investor Presentation Q2 FY 2026www.paisalo.in 3.2

HIGH TECH

HIGH TOUCH Engage and transact without friction 19 Q2 FY 2026 Investor Presentation Q2 FY 2026www.paisalo.in High Tech: From Onboarding to Collection Operational capabilities backed by robust tech infrastructure Digital Onboarding Loan Origination (LOS) Loan Servicing Collection Management Digitizing loan life cycle management Analytics-based Business Rule Engine Disbursal and repayment schedule management Enabling real time solution to allocate accounts to field staff Capturing leads from multiple sources Geo tagging at all touchpoints Adhaar based verification and e-Sign In-house LOS Enhanced Credit, Character and Credential (CCC) analysis In-house BRE for risk grading Real-time bank statement analysis via Account Aggregator framework and APIs Real time tracking of all stages of loan lifecycle NPA tracking Mobility Solutions Enables collection team on field to capture customer payments electronically Inhouse sales mobility app to assist team in submitting customer leads Customer Enga