PAISALO DIGITAL LIMITED

rs,

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 61,009

alo.in Highlights for the Quarter Robust Growth Profitability & Asset Quality Highest ever AUM at Rs 61,009 mn (+17% YoY); disbursement for the quarter came in at Rs 13,440 mn. Net Interest Income was up 61

17%

ts for the Quarter Robust Growth Profitability & Asset Quality Highest ever AUM at Rs 61,009 mn (+17% YoY); disbursement for the quarter came in at Rs 13,440 mn. Net Interest Income was up 61% YoY at

Rs 13,440

sset Quality Highest ever AUM at Rs 61,009 mn (+17% YoY); disbursement for the quarter came in at Rs 13,440 mn. Net Interest Income was up 61% YoY at Rs 1,733 mn, driving a record quarterly profit of Rs 722

61%

9 mn (+17% YoY); disbursement for the quarter came in at Rs 13,440 mn. Net Interest Income was up 61% YoY at Rs 1,733 mn, driving a record quarterly profit of Rs 722 mn. Total income witnessed a 35% Y

Rs 1,733

YoY); disbursement for the quarter came in at Rs 13,440 mn. Net Interest Income was up 61% YoY at Rs 1,733 mn, driving a record quarterly profit of Rs 722 mn. Total income witnessed a 35% YoY increase to Rs

Rs 722

13,440 mn. Net Interest Income was up 61% YoY at Rs 1,733 mn, driving a record quarterly profit of Rs 722 mn. Total income witnessed a 35% YoY increase to Rs 2,609 mn. Customer franchise strengthened to ~

35%

p 61% YoY at Rs 1,733 mn, driving a record quarterly profit of Rs 722 mn. Total income witnessed a 35% YoY increase to Rs 2,609 mn. Customer franchise strengthened to ~16 mn, with addition of ~1.7 mn

Rs 2,609

3 mn, driving a record quarterly profit of Rs 722 mn. Total income witnessed a 35% YoY increase to Rs 2,609 mn. Customer franchise strengthened to ~16 mn, with addition of ~1.7 mn customers during the quart

3%

ch, financially inclusive lending platform. Despite expanded network and AUM growth, headcount down 3% in FY26, reflecting early signs of operating leverage driven by technology and AI-led efficiencies

0.76%

everage driven by technology and AI-led efficiencies . Asset quality stable and improving; GNPA at 0.76% and NNPA at 0.61% as of Q4FY26, improving by ~23 bps and ~15 bps on a YoY basis. Geographic Exp

0.61%

technology and AI-led efficiencies . Asset quality stable and improving; GNPA at 0.76% and NNPA at 0.61% as of Q4FY26, improving by ~23 bps and ~15 bps on a YoY basis. Geographic Expansion & OEM Partn

“Target Market Population (Having PAN but no credit history) 451 Million Income Tax Pan Holders India Population 784 Million 1.5 Billion Rs.”

“26 Investor Presentation Q4 FY2026www.paisalo.in Scaling Loan Book with Sustained Disbursals AUM expands by 17% YoY to Rs 61,009 mn in FY26, with steady expansion across segments AUM Breakup (Rs.”

“Mn) 14,930 37,398 17,693 43,316 15,450 30,410 5,158 21,815 9,088 25,840 FY22 FY23 FY24 FY25 FY26 MSME/SME Small Income Generation Disbursement Breakup (Rs.”

“FY26 – By Business Mix (%) 13,139 22,763 10,275 26,924 12,147 30,473 Health & Education 5% Technology 8% 6,477 19,513 2,106 14,237 FY 22 FY 23 FY 24 FY 25 FY 26 MSME/SME Small Income Generation 27 Heavy Industries 11% Street Vendors 14% Food & Hospitality 24% Agri & Allied Agri 14% Investor Presentation Q4 FY2026www.paisalo.in 3.2”

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

Leveraging AI models for

1

Migration to MeitY

1

Integrated Digital Platform

1

Smart Infrastructure Monitoring

1

Automated DevOps Pipeline

1

Seamless API Integrations

1

Automated Digital Onboarding

1

Communication

1

AutoML pipelines

1

Optimized Analytics Infrastructure

1

Leveraging AI models for

Identity and Fraud Detection Advanced AI framework uniquely profiles every borrower, flags duplicate, monitors cumulative exposure and strengthens fraud prevention for smarter, safer credit growth. Dynamic AI based Credit Scoring Real-time scoring engine leveraging behavioural, demographic, asset, income, and banking data to enable sharper underwriting. Scoring of each case into one of the five bands of 1-6 with 1 being the best and 6 being the worst 1 2 3 4 5 6 Very good Good Satisfied Neutral Bad Very Bad Investor Presentation Q4 FY2026www.paisalo.in Portfolio Management Driving Scalability through Integrated Technology Solutions Tech Infra Integrated Services Data Analytics

Migration to MeitY

Planning in progress for migration to approved Indian cloud data centers to enable a future-ready, scalable cloud architecture.

Integrated Digital Platform

Unified architecture connecting CRM, onboarding, and loan management workflows to enable seamless, end-to-end operations.

Smart Infrastructure Monitoring

Advanced monitoring with real-time alerts to ensure high system uptime, stability, and proactive issue resolution.

Automated DevOps Pipeline

Secure CI/CD-driven deployment framework enabling faster releases, stronger reliability, and consistent platform performance.

Seamless API Integrations

Real-time connectivity with thirdparty service providers like Protean, Crif, Ongrid, E-Mudra and others.