Investor Presentation for the quarter ended 30.09.2026

Date: 22.10.2026 To, To, The Manager The Asstt. Vice President Department of Corporate Relationship National Stock Exchange of India Limited, BSE Limited Exchange Plaza 25 P. J. Towers, Dalal Street Bandra Kurla Complex Bandra (East) Mumbai -400 001 Mumbai -400 051 Scrip Code: 532900 (Equity) Scrip Code: Equity- 532900 Scrip Code: 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 Subject: Investor Presentation Dear Sir/Madam, Pursuant to Regulation 30 and 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and in terms of other applicable laws, if any, please find enclosed herewith the Investor Presentation for the quarter ended September 30, 2026. The above is being made available on the Company’s website i.e. www.paisalo.in This is for your information and record, please. Thanking you, Yours faithfully, For Paisalo Digital Limited (MANENDRA SINGH) Company Secretary Encl.: as above PAISALO DIGITAL LIMITED INVESTOR P R E S E N TAT I O N Q 2 F Y 2027 Safe Harbor This document contains certain forward – looking statements based on current expectations of Paisalo Digital Limited’s management. Actual Results may vary significantly from the forward - looking statements in this document due to various risks and uncertainties. These risks and uncertainties include the effect of economic and political conditions in India, and outside India; volatility in interest rates and in the securities markets; new regulations and government policies that might impact the business of Paisalo Digital Limited; the general state of the Indian economy; and the management’s ability to implement the company’s strategy. Paisalo Digital Limited does not undertake any obligation to update these forward - looking statement. This document does not constitute an offer or recommendation to buy or sell any securities of Paisalo Digital Limited or any of its subsidiaries or associate companies. This document also does not constitute an offer or recommendation to buy or sell any financial products offered by Paisalo Digital Limited. NSE: Paisalo | BSE: Paisalo | Bloomberg: Paisalo:in Index Result Snapshot Q2FY2027 Quarter At a Glance Scale Distribution AUM Disbursement States ₹72,659 Mn ₹15,673 Mn 23 Business Correspondents Distribution Points Branches Employees Net Worth 1,690 (Partnered with 4,299 426 2,905 ₹18,981 Mn SBI, BOI & IOB) Granularity Asset Quality Collection Efficiency Customer Franchise Average Ticket Size 98.3% 20 Mn ₹6.16 Lakhs GNPA NNPA Liquidity Coverage Secured Portfolio Co-Lending Partners 0.66% 0.46% 2.22X 94% 5 Liability Profitability Total Borrowings Capital Adequacy NIM% Yield ₹54,808 Mn 30.7% 5.7% 15.7% Cost of Borrowing Debt Equity Ratio ROA ROE PAT 10.0% 2.89x 3.3% 13.4% ₹656 Mn All data as of Q2FY27 for the Quarter Highlights Growth without Accelerating Growth Tech-Efficiency Kicking In Stronger Balance Sheet Compromise • Strong business momentum continued • Total Income witnessed a 24% YoY • Headcount reduced 11% YoY, • Approved and launched Tranche I with 33% YoY AUM growth to Rs increase to Rs 2,773 mn, while PAT despite network expansion and AUM public issue of secured, rated, listed NCDs 72,659 mn and 42% YoY growth in grew 27% YoY to Rs 656 mn. aggregating up to Rs 300 Cr under growth, highlighting early operating disbursements to Rs 15,673 mn. leverage from technology and a Rs 900 Cr shelf limit, strengthening • Record disbursements weighted toward the liability franchise and funding AI-driven efficiencies. end of the quarter, which temporarily • Network expansion remained a key diversification. diluted yields, to normalise from growth driver, with 420 touchpoints • Consumer-facing app scheduled H2FY27 as full interest impact comes added during the year, taking the total • Recent capital raise expected to through. to go live in Q3FY27, enabling a footprint to 6,415. optimize leverage levels, enhancing more seamless customer experience • Asset quality remained stable and balance sheet efficiency and supporting and improving scalability of • Customer franchise scaled to ~20 improved further, with GNPA at 0.66% ROE expansion. operations. and NNPA at 0.46% as of Q2FY27, mn, enhancing the company’s ability improving by ~15 bps and ~19 bps to capture future growth opportunities. • Promoter shareholding rose by ~4.8% respectively on a YoY basis. in H1FY27, driven by earlier Q1FY27 acquisitions, underscoring confidence in the Company’s longterm strategy and growth outlook. Financial Performance Robust Operational AUM (Rs Mn) Disbursement (Rs Mn) Customer Franchise (Mn) 55,082 61,009 67,074 72,659 11,025 10,574 13,440 17,309 15,673 13 14 16 18 20 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Income (Rs Mn) PAT (Rs Mn) Asset Quality (%) Interest Income (Rs Mn) Total Income (Rs Mn) GNPA (%) NNPA (%) 515 663 722 613 656 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 770,2 042,2 634,2 104,2 625,2 906,2 505,2 306,2 356,2 377,2 54,494 Q2FY26 0.83% 0.81% 0.76% 0.70% 0.65% 0.66% 0.66% 0.61% 0.49% 0.46% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Financial Performance Robust Operational Yield, Spread, Cost of Borrowing (%) RoE & RoA (%) Collection Efficiency (%) Yield (%) Cost of Borrowing (%) Spread (%) RoE (%) RoA (%) 98.4% 98.8% 98.5% 97.5% 98.3% 17.0% 13.2% 13.4% 13.4% 17.0% 16.9% 12.6% 16.7% 15.7% 11.7% 10.5% 10.3% 10.2% 10.1% 10.0% 3.6% 3.8% 3.8% 3.6% 3.3% 6.8% 6.5% 6.6% 6.6% 5.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Net Worth (Rs Mn) Total Borrowings (Rs Mn) & D/E (x) Capital Adequacy (%) Total Borrowings (Rs. Mn) Debt/Equity (X) Tier 1 (%) Tier 2 (%) Total (%) 16,799 17,404 17,930 18,298 18,981 2.89 2.61 38.2% 38.3% 2.22 2.43 35.8% 2.24 33.1% 30.7% 54,808 48,467 8.0% 7.7% 6.9% 6.3% 43,597 5.5% 38,579 37,688 30.3% 30.7% 28.9% 26.8% 25.2% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 At a Glance Q2FY2027 Business at a Glance Bridging India’s credit gap Connecting undeserved borrowers and MSMEs to the formal financial ecosystem What defines Paisalo 34 Key Building Blocks in Years of Legacy Place for Growth Phase • Bridging the credit gap: Formal credit for unbanked and States & UTs underserved borrowers, incl. MSMEs. • Tailored loan offerings: Designed 20 Customer mn Accelerating around varied borrower needs Franchise Last-mile credit presence in and local cash flows. for MSMEs and existing states and ₹72,659 • Scaled reach: 23 States & UTs, AUM micro-enterprises expanding into new 6,415 touch points and 20 Mn markets customer franchise. 6,415 Touch Points • Partnership-led model: 5 co- lending partners extend access 5 Structural and balance-sheet depth. Strengthening Co-Lending Partner diversification operations through of balance sheet • Growth engine: 3-year AUM CAGR AA/STABLE/A1+ AI-led intelligence leverage to reduce of 21%, PAT CAGR of 36%. cost of capital Credit Rating Proven through with Cycles, Scaling Stability ASSETS UNDER MANAGEMENT CREDIT RATING STATES TOUCH POINTS Scaling at 21% CAGR AA/Stable/A1+ 23 6,415 (FY21 - FY26) Public NCD Issuance of BC Partnership 900 Cr under First FCCB Issue USD with Indian the shelf 50 Mn Overseas Bank programme BC* partnership with 72,659 HURUN Industry First ECB Issue SBI & Bank of India; Achievement USD 15 Mn Co-lending Award Digital Lending partnership with PNB, 61,009 2024 Promoters infused Bank of Baroda, UCO & Rs.1,840 Mn through Karnataka Bank 52,328 Co-lending partnership Convertible Warrants 45,860 with SBI for Micro Rebranded as Enterprise Loans 34,928 Paisalo Digital 26,973 Limited (PDL) 23,178 21,120 19,253 16,757 Listing at BSE, 15,337 NSE GDR Issue of 12,935 11,119 Rs. 1, [Showing first 8,000 characters — download PDF for full document]