Paisalo Digital Limited
Paisalo Digital Limited operates as a non-banking financial company. The Company offers personal and business loans, micro funding, and hire purchase financing services. Paisalo Digital serves clients in India.
Key Metrics
EPS
1.99
Current ratio
0.12
Debt/Equity
2.10
Debt/EBITDA
11.42
Interest coverage ratio
-
Operating Cashflow to total debt
0.00
Financials
Pros & Cons
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Here's what we like about this company and potential risks we have identified.
Pros
Substantial and sustained improvement in the scale of operations while maintaining healthy asset quality, comfortable capitalisation, and liquidity.
Sustenance of the overall gearing
Cons
Substantial deterioration in the scale of operations, asset quality, capitalisation and/or liquidity
Deterioration in overall gearing
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About Paisalo Digital Limited bond.
This comprehensive profile covers key factual information about Paisalo Digital Limited. Paisalo Digital Limited operates as a non-banking financial company. The Company offers personal and business loans, micro funding, and hire purchase financing services. Paisalo Digital serves clients in India. EPS in Mar-2024 was 1.99. Current ratio in Mar-2024 was 0.12. Debt/Equity in Mar-2024 was 2.10. Debt/EBITDA in Mar-2024 was 11.42. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.00. Total revenue for Mar-2025 (E) was ₹722.66. Net income for Mar-2025 (E) stood at ₹212.57. Total assets as of Mar-2024 were ₹4,123.20. Total liabilities as of Mar-2024 were ₹2,793.78. Operating cash flow for Mar-2024 was ₹-569.75. The company’s borrowing relationships include Bank of Baroda (₹N/A Cr), Bank of Baroda (₹N/A Cr), Bank of Baroda (₹N/A Cr), Bank of India (₹N/A Cr), Bank of India (₹N/A Cr), Punjab National Bank (₹N/A Cr), Punjab National Bank (₹N/A Cr), Union Bank of India (₹N/A Cr), Union Bank of India (₹N/A Cr), Union Bank of India (₹N/A Cr), UCO Bank (₹N/A Cr), UCO Bank (₹N/A Cr), UCO Bank (₹N/A Cr), IDBI Bank (₹N/A Cr), IDBI Bank (₹N/A Cr), IDBI Bank (₹N/A Cr), Bank of Maharashtra (₹N/A Cr), Bank of Maharashtra (₹N/A Cr), Bank of Maharashtra (₹N/A Cr), State Bank of India (₹N/A Cr), State Bank of India (₹N/A Cr), State Bank of India (₹N/A Cr), State Bank of India (₹N/A Cr), State Bank of India (₹N/A Cr), Karnataka Bank (₹N/A Cr), Karnataka Bank (₹N/A Cr), Dhanlaxmi Bank (₹N/A Cr), Dhanlaxmi Bank (₹N/A Cr), CSB Bank (₹N/A Cr), CSB Bank (₹N/A Cr), Indian Bank (₹N/A Cr), Indian Bank (₹N/A Cr), Indian Bank (₹N/A Cr), Indian Bank (₹N/A Cr), South Indian Bank (₹N/A Cr), Canara Bank (₹N/A Cr), Canara Bank (₹N/A Cr), Canara Bank (₹N/A Cr), IREDA (₹N/A Cr), Indian Overseas Bank (₹N/A Cr), Indian Overseas Bank (₹N/A Cr), Proposed (₹N/A Cr). Peers and comparison entities consist of Paisalo Digital Limited, Bajaj Finance Limited, Jio Financial Services Limited, Shriram Finance Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Substantial and sustained improvement in the scale of operations while maintaining healthy asset quality, comfortable capitalisation, and liquidity.; Sustenance of the overall gearing. Key risks include: Substantial deterioration in the scale of operations, asset quality, capitalisation and/or liquidity; Deterioration in overall gearing. Leadership team details include Anoop Krishna (Executive Director), Anurag Sinha (Chief Operating Officer), Dharmendra Singh Gangwar (Addnl. & Independent Director), Gaurav Chaubey (Chief Risk Officer), Gauri Shankar (Independent Director), Harish Singh (Executive Director & CFO), Manendra Singh (Company Secretary & Compliance Officer), Mithun Kumar Singh Rathore (Vice President - Legal), Naresh Kumar Jain (Independent Director), Nisha Jolly (Independent Director), Nishtha Sharma (Vice President - Marketing), Raman Aggarwal (Independent Director), S G Dubey (Vice President - Legal), Santanu Agarwal (Deputy Managing Director), Sunil Agarwal (Managing Director & CEO), Vijuy Ronjan (Independent Director). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.