Investor Presentation

Date: 05.08.2026 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-975107, 975202, 975251, 975329, 975437, 975640, 975865, 976752, 977004, 977097, 977278, 977279, 977358, 977371,977643 CPs- 731429, 731434, 731455, 731624, 732088 Subject: Investor Presentation Dear Sir/Madam, Pursuant to Regulation 30 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 June 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 Q1 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 Q1 FY 2027 Quarter At a Glance Scale Distribution AUM Disbursement States ₹67,074 Mn ₹17,309 Mn 23 Business Correspondents Distribution Points Branches Employees Net Worth 1,574 (Partnered with 3,997 424 3,018 ₹18,298 Mn SBI, BOI & IOB) Granularity Asset Quality Collection Efficiency Customer Franchise Average Ticket Size 97.5% 18 Mn+ ₹5.26 Lakhs GNPA NNPA Liquidity Coverage Secured Portfolio Co-Lending Partners 0.70% 0.49% 2.3x 93% 5 Liability Profitability Total Borrowings Capital Adequacy NIM% Yield ₹48,467 Mn 33.1% 6.6% 16.7% Cost of Borrowing Debt Equity Ratio ROA ROE PAT 10.1% 2.61x 3.6% 13.4% ₹613 Mn All data as of Q1FY27 for the Quarter Highlights Geographic Expansion Profitability & Strengthened Liability Robust Growth Asset Quality Franchise & Credit Profile & OEM Partnerships • AUM continued to scale, rising 28% • Quarterly PAT grew 30% YoY to Rs • Added a total of 696 new • Promoters continue to purchase YoY to Rs 67,074 mn. 613 mn, supported by a 16% YoY rise touchpoints, taking the total base shares from the open market, raising in Net Interest Income to Rs 1,447 stake to 46.7% (+4.97% during to 5,995 across 23 states. Q1FY27), signaling strong long-term • Quarterly disbursements rose commitment in the growth journey. 128% YoY to the highest ever • Total Touch Points comprised 424 • Headcount reduced 2% YoY to quarterly level of Rs 17,309 mn, Branches, 3,997 Distribution 3,018 despite network expansion reflecting strong business momentum • Approved and launched Tranche I and AUM growth, highlighting Points and 1,574 BCs. and growing market penetration. public issue of secured, rated, listed NCDs early operating leverage from technology and AI-driven • Customer franchise aggregating up to Rs 300 Cr under a efficiencies. Rs 900 Cr shelf limit in August 2026, • Total Income witnessed a 19% YoY strengthened to ~18 mn, with strengthening the liability franchise and increase to Rs 2,603 mn. ~1.8 mn new customers added • Asset quality remained stable and funding diversification. during the quarter, reinforcing improved further, with GNPA at 0.70% and NNPA at 0.49% as of Paisalo’s positioning as a high-reach, Q1FY27, improving by ~14 bps and ~19 financially inclusive lending platform. bps on a YoY basis. Financial Performance Robust Operational AUM (Rs Mn) Disbursement (Rs Mn) Customer Franchise (Mn) 52,302 54,494 55,082 61,009 67,074 7,581 11,025 10,574 13,440 17,309 9 13 14 16 18 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Total Income (Rs Mn) PAT (Rs Mn) Asset Quality (%) GNPA (%) NNPA (%) 2,187 2,240 2,401 2,609 2,603 472 515 663 722 613 0.85% 0.83% 0.81% 0.76% 0.70% 0.68% 0.65% 0.66% 0.61% 0.49% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Financial Performance Robust Operational Yield, Spread, Cost of Borrowing (%) RoE & RoA (%) Collection Efficiency (%) Yield (%) Cost of Borrowing (%) Spread (%) RoE (%) RoA (%) 99.8% 98.4% 98.8% 98.5% 97.5% 17.2% 17.0% 13.2% 13.4% 17.03% 16.9% 12.6% 16.7% 11.9% 11.7% 10.7% 10.5% 10.3% 10.2% 10.1% 3.7% 3.6% 3.8% 3.8% 3.6% 6.8% 6.5% 6.5% 6.6% 6.6% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 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 (%) 15,746 16,799 17,404 17,930 18,298 39.5% 2.61 38.2% 38.3% 2.15 2.22 2.43 2.24 35.8% 33.1% 48,467 43,597 9.1% 8.0% 7.7% 6.9% 6.3% 38,579 37,688 34,786 26.8% 30.4% 30.3% 30.7% 28.9% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Three Year Vision AI-led Scale with Disciplined Profitability AI-Led Lending Best-in-class Scale Ambition Franchise Asset Quality Embedded AI across Targeting ~2x growth Maintaining a disciplined sourcing, underwriting, in AUM, Income and underwriting and risk servicing and collections to PAT over the next three management, with asset drive faster decisioning, years, delivering a quality targeted at sub-2% lower cost-to-serve and CAGR of ~25-30%. levels through the cycles. scalable growth. At a Glance Q1 FY 2027 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 18 Customer mn Accelerating around varied borrower needs Franchise Last-mile credit presence in and local cash flows for MSMEs and existing states and ₹67,074 • Scaled reach: 23 states & UTs, AUM micro-enterprises expanding into new 5,995 touch points and 18 Mn markets customer franchise 5,995 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: Rs 67,074 Mn AUM; AA/STABLE/A1+ AI-led intelligence leverage to reduce 20% 3-year AUM CAGR; 36% PAT cost of capital Credit Rating CAGR Proven through with Cycles, Scaling Stability CREDIT RATING STATES TOUCH POINTS ASSETS UNDER MANAGEMENT AA/Stable/A1+ 23 5,995 Scaling at 21% CAGR (FY21 - FY26) Announced Public NCD BC Partnership Issuance of with Indian 900 Crore First FCCB Issue USD Overseas Bank BC* partnership with SBI 50 Mn & Bank of India; First ECB Issue Co-lending partnership HURUN Industry USD 15 Mn 67,074 with PNB, Bank of Baroda, Achievement UCO & Karnataka Bank Award Digital Lending 61,009 2024 Promoters infused 52,328 Rs.1,840 Mn thr [Showing first 8,000 characters — download PDF for full document]