Press Release

Date: October 22, 2026 The Manager The Listing Department Department of Corporate Relationship National Stock Exchange of India Limited BSE Limited Exchange Plaza, Bandra Kurla Complex 25th Floor P. J. Towers, Dalal Street Bandra (East) Mumbai -400 001 Mumbai -400 051 SCRIP CODE: Equity-532900 SCRIP SYMBOL: PAISALO NCDs- 975202, 975251, 975329, 975437, 975640, 975865, 976752, 977004, 977097, 977278, 977279, 977358, 977371, 977643, 941165, 941167, 941169, 941171, 941173, 941175, 978172 and CPs- 731434, 731624, 732088, 732666, 732669, 732751, 732753 and 732754 Sub.: Submission under Regulation 30 of SEBI (LODR) Regulations, 2015- Press Release Dear Sir/ Madam, Pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, please find herewith the press release titled “Paisalo continues to build momentum with 42% YoY surge in disbursements; AUM up 33% YoY at Rs 72,659 Mn”. This is for your information and record. Thanking you Yours Faithfully, For Paisalo Digital Limited (Manendra Singh) Company Secretary Enclosure: Press Release Press Relesase Paisalo continues to build momentum with 42% YoY surge in disbursements; AUM up 33% YoY at Rs 72,659 Mn AI-led efficiencies and balance sheet strengthening continue to support progress New Delhi, October 22, 2026: Paisalo Digital, a leading NBFC focused on expanding credit access to SME, MSME, and micro-enterprises across India, announced its financial results today for the quarter and half-year ended September 30, 2026. Key Highlights – Q2FY27 AUM Disbursement Total Income Profit After Tax GNPA (%) Rs 72,659 Mn Rs 15,673 Mn Rs 2,773 Mn Rs 656 Mn +33% YoY +42% YoY +24% YoY +27% YoY AI Powered Scale – Q2FY27 Customer Onboarding Data Processing Customer Engagement AI Calling Appli AI Calling GNPA (%) 190k ap plications 650k V oice Data 1258 LLiivvee AAII BBoottss 3 20 00 0k k A I-driven processed in Q2 Conversion handled Prooumtbootiuonnda clA aCI- lad lslr li dsv ae in outbound calls vs vvss 1 78 i nin Q Q41FFYY2267 vs 180k in Q1FY27 vs 500k in Q1FY27 vs1 25 00 0K k i n in Q Q4 1F FY Y2 26 7 Key Performance Indicators – Q2 FY27 Particulars Q2FY27 Q2FY26 YoY (%) Q1FY27 QoQ (%) AUM (Rs Mn) 72,659 54,494 33% 67,074 8% Disbursement (Rs Mn) 15,673 11,025 42% 17,309 -9% Total Income (Rs Mn) 2,773 2,240 24% 2,603 7% PAT (Rs Mn) 656 515 27% 613 7% Net Interest Margin (%) 5.7% 6.5% -85 bps 6.6% -91 bps GNPA (%) 0.66% 0.81% -15 bps 0.70% -4 bps NNPA (%) 0.46% 0.65% -19 bps 0.49% -3 bps Key Highlights Assets Under Management (AUM) and Disbursement: • AUM grew 33% YoY to Rs 72,659 Mn, reflecting continued business momentum • Disbursements stood at Rs 15,673 Mn in Q2FY27, surging 42% YoY on the back of steady credit demand across key segments; cumulative H1FY27 disbursements grew 77% to Rs 32,982 Mn Distribution: • Strengthened last-mile presence with a network of 6,415 touchpoints, including 420 new touchpoints added during Q2 and a total 1,116 touchpoints added in H1 • Network of 426 branches to support wider reach and stronger on-ground presence • Customer franchise strengthened to ~20 Mn, with ~1.9 Mn new additions during Q2FY27 Asset Quality: • GNPA and NNPA improved by 15bps and 19bps YoY at 0.66% and 0.46% respectively Borrowings: • Total borrowings stood at Rs 54,808 Mn as of September’26 • Cost of borrowing improved by 50 bps YoY to 10.0% in Q2FY27 Profitability: • Total income increased by 24% YoY to Rs 2,773 Mn in Q2FY27; while H1FY27 total income stood at Rs 5,376 Mn, up 21% YoY • Net interest income increased 23% YoY to Rs 1,357 Mn in Q2FY27; while H1FY27 net interest income increased 25% YoY to Rs 2,706 Mn • NIM came in at 5.7% in Q2FY27 • AI-led efficiencies helped reduce headcount by 11% YoY to 2,905 • PAT stood at Rs 656 Mn in Q2FY27, up 27% YoY; while H1FY27 PAT came in at Rs 1,270 Mn higher by 29% YoY • RoA of 3.3% and RoE of 13.4% Capital Adequacy: • Capital Adequacy Ratio remained strong at 30.7%, with Tier 1 capital at 25.2% • Net Worth grew by 13% YoY to Rs 18,981 Mn Performance Summary A sset Under Management (Rs Mn) Disbursement (Rs Mn) 67,074 72,659 17,309 15,673 54,494 11,025 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 AUM (Rs. Mn) Disbursement (Rs. Mn) Profit After Tax (Rs Mn) Net Interest Margin (%) 6.5% 6.6% 613 656 5.7% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 PAT (Rs. Mn) NIM (%) Return on Assets (%) Asset Quality (%) 3.5% 3.6% 3.3% 0.81% 0.65% 0.70% 0.66% 0.49% 0.46% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 ROA (%) GNPA (%) NNPA (%) Net Worth (Rs Mn) Cost of Borrowing (%) 18,298 18,981 10.5% 16,799 10.1% 10.0% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Net Worth (Rs. Mn) CoB (%) Commenting on the performance, Mr. Santanu Agarwal, Deputy Managing Director of Paisalo Digital Ltd, said: “We continue to embed AI across the lending lifecycle, driving productivity gains, enhancing customer experience and improving operating efficiency. The upcoming launch of our consumer-facing digital platform, along with our increasingly diversified liability franchise, strengthens our ability to scale profitably while maintaining prudent risk management. As we continue to deepen our reach across underserved customer segments, we remain focused on delivering sustainable growth, capital efficiency and long-term value creation.” Earnings Conference Call Thursday, October 22, 2026 at 4:00 PM IST Following the announcement of Q2FY27 results on October 22, 2026, the management of Paisalo Digital will host a conference call on October 22, 2026 at 4:00 PM IST during which the management will discuss the performance and answer questions from the participants. Details of the call are given below: Conference Call Registration Link Paisalo Digital Q2FY27 Conference Call - LINK Dial in Numbers: Universal Numbers: +91 22 6280 1146, +91 22 7115 8047 Toll Free Numbers: US: 1 866 746 2133, UK: 0 808 101 1573, Singapore: 800 101 2045, Hong Kong: 800 964 448, Australia: 0080014243444 About Paisalo Digital Ltd Paisalo Digital Limited is engaged in the business of providing convenient and accessible credit to SME, MSME and micro-enterprises across India. The company has a wide geographic reach with a network of 6,415 touch points across 23 states & UTs in India. The Company’s mission is to simplify MSME and micro-enterprise loans by establishing itself as a trusted, technology-enabled and customer-centric financial companion for the people of India. Its combination of deep distribution, digital capabilities, customer-centric approach and data analytics empowers Paisalo to deliver tailored, scalable solutions while minimizing risks and maintaining the highest standards of governance and regulatory adherence. Disclaimer No representation or warranty, express or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained is only current as of its date. Certain statements made may not be based on historical information or facts and may be “forward looking statements”, including those relating to the company’s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to number of factors, including future changes or developments in the company’s business, its competitive environment, and political, economic, legal, and social conditions in India. Paisalo Digital Limited (BSE: 532900, NSE: PAISALO) For further information on the company, please visit https://paisalo.in/ Contact Information Corporate Office Paisalo Digital Limited CSC, Pocket 52, CR Park, ir@paisalo.in Near Police Station, New Delhi – 110019