Paisalo Digital Ltd

NSE: PAISALO BSE: 532900

₹77.36

+0.06 (0.08%)

Sun, 08 Nov 2026, 10:48 am

MTF 5xInvest in Paisalo Digital Ltd with 5x Leverage Buy with MTF

Market Cap (in Cr)7265.74

PE Ratio26.52

Dividend0.13

Finance

Finance/Rental/Leasing

24.5K

Paisalo Digital Balance Sheet

Income Statement Balance Sheet Cashflow

Particulars	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Interest expense on debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax equity in earnings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity in earnings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total assets	2.64B	6.50B	11.13B	12.15B	12.87B	11.16B	11.22B	13.66B	16.06B	20.42B	21.75B	22.49B	22.70B	27.58B	33.54B	41.23B	52.55B
Total current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash and short term investments	213.40M	1.73B	647.86M	1.04B	864.84M	317.97M	439.79M	283.42M	94.68M	114.71M	140.55M	349.94M	477.79M	103.42M	291.11M	145.76M	1.05B
Cash & equivalents	213.40M	1.73B	647.86M	669.99M	600.60M	89.61M	148.60M	279.28M	86.52M	26.36M	130.73M	339.66M	141.84M	91.36M	256.32M	109.19M	1.01B
Short term investments	0	0	0	372.38M	264.23M	228.36M	291.20M	4.14M	8.16M	88.35M	9.81M	10.28M	335.95M	12.06M	34.79M	36.57M	41.22M
Total receivables, net	202.38K	45.02K	699.75K	8.25M	988.08M	5.27M	8.35M	1.12B	1.04B	153.55M	126.23M	125.86M	317.34M	281.07M	97.75M	123.57M	212.96M
Accounts receivable - trade, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other current assets, total	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Note receivable - long term	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investments in unconsolidated subsidiaries	0	0	422.39M	2.50M	0	0	0	0	0	0	0	0	0	0	0	0	0
Other investments	246.13M	548.43M	797.93M	646.17M	468.61M	329.74M	210.94M	453.73M	440.04M	239.03M	239.03M	239.03M	239.03M	256.80M	251.86M	200.38M	203.05M
Net property/plant/equipment	438.59M	543.19M	502.83M	28.72M	26.07M	26.70M	31.94M	30.74M	31.37M	66.97M	72.40M	642.98M	626.95M	624.16M	655.70M	661.09M	744.65M
Gross property/plant/equipment	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred tax assets	—	—	—	—	—	0	—	—	—	0	0	—	—	—	5.06M	85.79M	—
Net intangible assets	0	0	0	0	0	0	0	0	0	188.00K	22.05M	19.70M	15.78M	12.06M	7.08M	3.34M	1.40M
Goodwill, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other intangibles, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other long term assets, total	0	0	0	43.90M	41.18M	649.88M	262.41M	574.23M	608.28M	1.35B	1.67B	1.79B	128.78M	652.01M	825.28M	740.42M	625.55M
Short term debt	598.92M	983.59M	2.21B	3.39B	3.20B	4.10B	4.02B	5.50B	6.48B	0	0	0	0	0	0	0	0
Current portion of LT debt and capital leases	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short term debt excl. current portion of LT debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term debt	1.08B	1.86B	3.89B	1.43B	661.54M	219.80M	80.40M	185.26M	1.05B	10.79B	11.57B	12.37B	13.49B	16.78B	21.22B	26.65B	35.75B
Long term debt excl. lease liabilities	1.08B	1.86B	3.89B	1.43B	661.54M	219.80M	80.40M	185.26M	1.05B	10.79B	11.57B	12.37B	13.49B	16.78B	21.22B	26.65B	35.75B
Total equity	698.25M	3.01B	3.54B	3.78B	4.45B	4.95B	5.32B	5.20B	5.64B	6.14B	6.64B	7.66B	8.65B	10.23B	11.63B	13.29B	15.35B
Shareholders' equity	698.25M	3.01B	3.54B	3.78B	4.45B	4.95B	5.32B	5.20B	5.64B	6.14B	6.64B	7.66B	8.65B	10.23B	11.63B	13.29B	15.35B
Common equity, total	673.25M	2.98B	3.52B	3.76B	4.42B	4.92B	5.29B	5.20B	5.64B	6.14B	6.64B	7.66B	8.65B	10.23B	11.63B	13.29B	15.35B
Other common equity	416.79M	941.19M	1.17B	1.41B	2.08B	2.51B	2.90B	3.29B	3.75B	4.25B	4.75B	5.24B	6.22B	6.64B	7.28B	8.44B	10.24B
Total debt	1.68B	2.85B	6.11B	4.82B	3.86B	4.32B	4.10B	5.69B	7.54B	10.79B	11.57B	12.37B	13.49B	16.78B	21.22B	26.65B	35.75B
Net debt	1.46B	1.11B	5.46B	3.77B	3.00B	4.00B	3.66B	5.41B	7.44B	10.67B	11.43B	12.02B	13.02B	16.68B	20.93B	26.51B	34.70B
Change in accounts receivable	-40.56M	-68.00M	-272.78M	-227.98M	-357.20M	-163.25M	-234.12M	-419.04M	-3.28M	-4.61B	-988.32M	-674.73M	-2.27B	-5.24B	—	—	—
Change in taxes payable	0	0	0	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in accounts payable	43.00M	353.95M	583.32M	247.77M	358.37M	-1.33B	360.53M	27.05M	140.98M	40.11M	398.14M	-363.71M	105.51M	-65.17M	137.92M	—	26.55M
Change in other assets/liabilities	0	-9.06M	-51.43M	-205.02K	-129.73M	-87.52M	-19.84M	-38.96M	-37.88M	191.69M	-13.21M	-7.82M	-27.35M	-21.95M	-93.74M	454.24M	-199.66M
Sale of fixed assets & businesses	45.00K	0	0	6.75M	217.75K	15.00K	216.57M	1.02M	29.00K	48.75M	0	0	0	50.00K	11.83M	1.23M	1.00M
Purchase/sale of investments, net	-72.28M	-302.30M	-671.89M	-211.04M	278.62M	210.91M	0	38.96M	19.22M	-80.19M	—	0	0	-17.77M	0	62.19M	0
Sale/maturity of investments	0	0	0	0	278.62M	210.91M	0	38.96M	19.22M	0	—	0	0	0	0	62.19M	0
Purchase of investments	-72.28M	-302.30M	-671.89M	-211.04M	0	0	0	0	0	-80.19M	—	0	0	-17.77M	0	0	0
Other investing cash flow items, total	0	0	0	-4.91M	0	0	0	0	0	0	0	1.00K	0	0	0	0	0
Issuance/retirement of debt, net	471.85M	1.17B	1.53B	346.64M	-701.89M	449.17M	-212.69M	1.59B	1.85B	3.25B	781.66M	-90.37M	689.71M	3.29B	4.43B	5.44B	9.91B
Issuance/retirement of long term debt	528.05M	634.15M	671.84M	-37.99M	-441.88M	-441.75M	-139.39M	104.86M	869.12M	3.25B	781.66M	—	—	—	—	—	—
Issuance/retirement of short term debt	-56.21M	534.77M	860.79M	384.62M	-260.01M	890.91M	-73.29M	1.48B	978.24M	0	0	0	0	0	0	0	0
Issuance/retirement of other debt	—	—	—	—	—	—	—	—	—	—	—	-90.37M	689.71M	3.29B	4.43B	5.44B	9.91B
Total cash dividends paid	0	-10.55M	-50.21M	-2.91M	-50.05M	-48.74M	-49.01M	-51.67M	-48.82M	-48.82M	-48.82M	-48.90M	-42.29M	-42.29M	-44.82M	-44.78M	-89.65M
Other financing cash flow items, total	0	270.13M	0	-150.59M	0	-981.60M	-94.93M	-196.96M	22.59M	597.17M	-642.74M	0	0	-485.26M	-150.00M	134.37M	-553.40M

Particulars	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Interest expense on debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax equity in earnings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity in earnings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total assets	2.64B	6.50B	11.13B	12.15B	12.87B	11.16B	11.22B	13.66B	16.06B	20.42B	21.75B	22.49B	22.70B	27.58B	33.54B	41.23B	52.55B
Total current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash and short term investments	213.40M	1.73B	647.86M	1.04B	864.84M	317.97M	439.79M	283.42M	94.68M	114.71M	140.55M	349.94M	477.79M	103.42M	291.11M	145.76M	1.05B
Cash & equivalents	213.40M	1.73B	647.86M	669.99M	600.60M	89.61M	148.60M	279.28M	86.52M	26.36M	130.73M	339.66M	141.84M	91.36M	256.32M	109.19M	1.01B
Short term investments	0	0	0	372.38M	264.23M	228.36M	291.20M	4.14M	8.16M	88.35M	9.81M	10.28M	335.95M	12.06M	34.79M	36.57M	41.22M
Total receivables, net	202.38K	45.02K	699.75K	8.25M	988.08M	5.27M	8.35M	1.12B	1.04B	153.55M	126.23M	125.86M	317.34M	281.07M	97.75M	123.57M	212.96M
Accounts receivable - trade, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other current assets, total	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Note receivable - long term	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investments in unconsolidated subsidiaries	0	0	422.39M	2.50M	0	0	0	0	0	0	0	0	0	0	0	0	0
Other investments	246.13M	548.43M	797.93M	646.17M	468.61M	329.74M	210.94M	453.73M	440.04M	239.03M	239.03M	239.03M	239.03M	256.80M	251.86M	200.38M	203.05M
Net property/plant/equipment	438.59M	543.19M	502.83M	28.72M	26.07M	26.70M	31.94M	30.74M	31.37M	66.97M	72.40M	642.98M	626.95M	624.16M	655.70M	661.09M	744.65M
Gross property/plant/equipment	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred tax assets	—	—	—	—	—	0	—	—	—	0	0	—	—	—	5.06M	85.79M	—
Net intangible assets	0	0	0	0	0	0	0	0	0	188.00K	22.05M	19.70M	15.78M	12.06M	7.08M	3.34M	1.40M
Goodwill, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other intangibles, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other long term assets, total	0	0	0	43.90M	41.18M	649.88M	262.41M	574.23M	608.28M	1.35B	1.67B	1.79B	128.78M	652.01M	825.28M	740.42M	625.55M
Short term debt	598.92M	983.59M	2.21B	3.39B	3.20B	4.10B	4.02B	5.50B	6.48B	0	0	0	0	0	0	0	0
Current portion of LT debt and capital leases	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short term debt excl. current portion of LT debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term debt	1.08B	1.86B	3.89B	1.43B	661.54M	219.80M	80.40M	185.26M	1.05B	10.79B	11.57B	12.37B	13.49B	16.78B	21.22B	26.65B	35.75B
Long term debt excl. lease liabilities	1.08B	1.86B	3.89B	1.43B	661.54M	219.80M	80.40M	185.26M	1.05B	10.79B	11.57B	12.37B	13.49B	16.78B	21.22B	26.65B	35.75B
Total equity	698.25M	3.01B	3.54B	3.78B	4.45B	4.95B	5.32B	5.20B	5.64B	6.14B	6.64B	7.66B	8.65B	10.23B	11.63B	13.29B	15.35B
Shareholders' equity	698.25M	3.01B	3.54B	3.78B	4.45B	4.95B	5.32B	5.20B	5.64B	6.14B	6.64B	7.66B	8.65B	10.23B	11.63B	13.29B	15.35B
Common equity, total	673.25M	2.98B	3.52B	3.76B	4.42B	4.92B	5.29B	5.20B	5.64B	6.14B	6.64B	7.66B	8.65B	10.23B	11.63B	13.29B	15.35B
Other common equity	416.79M	941.19M	1.17B	1.41B	2.08B	2.51B	2.90B	3.29B	3.75B	4.25B	4.75B	5.24B	6.22B	6.64B	7.28B	8.44B	10.24B
Total debt	1.68B	2.85B	6.11B	4.82B	3.86B	4.32B	4.10B	5.69B	7.54B	10.79B	11.57B	12.37B	13.49B	16.78B	21.22B	26.65B	35.75B
Net debt	1.46B	1.11B	5.46B	3.77B	3.00B	4.00B	3.66B	5.41B	7.44B	10.67B	11.43B	12.02B	13.02B	16.68B	20.93B	26.51B	34.70B
Change in accounts receivable	-40.56M	-68.00M	-272.78M	-227.98M	-357.20M	-163.25M	-234.12M	-419.04M	-3.28M	-4.61B	-988.32M	-674.73M	-2.27B	-5.24B	—	—	—
Change in taxes payable	0	0	0	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in accounts payable	43.00M	353.95M	583.32M	247.77M	358.37M	-1.33B	360.53M	27.05M	140.98M	40.11M	398.14M	-363.71M	105.51M	-65.17M	137.92M	—	26.55M
Change in other assets/liabilities	0	-9.06M	-51.43M	-205.02K	-129.73M	-87.52M	-19.84M	-38.96M	-37.88M	191.69M	-13.21M	-7.82M	-27.35M	-21.95M	-93.74M	454.24M	-199.66M
Sale of fixed assets & businesses	45.00K	0	0	6.75M	217.75K	15.00K	216.57M	1.02M	29.00K	48.75M	0	0	0	50.00K	11.83M	1.23M	1.00M
Purchase/sale of investments, net	-72.28M	-302.30M	-671.89M	-211.04M	278.62M	210.91M	0	38.96M	19.22M	-80.19M	—	0	0	-17.77M	0	62.19M	0
Sale/maturity of investments	0	0	0	0	278.62M	210.91M	0	38.96M	19.22M	0	—	0	0	0	0	62.19M	0
Purchase of investments	-72.28M	-302.30M	-671.89M	-211.04M	0	0	0	0	0	-80.19M	—	0	0	-17.77M	0	0	0
Other investing cash flow items, total	0	0	0	-4.91M	0	0	0	0	0	0	0	1.00K	0	0	0	0	0
Issuance/retirement of debt, net	471.85M	1.17B	1.53B	346.64M	-701.89M	449.17M	-212.69M	1.59B	1.85B	3.25B	781.66M	-90.37M	689.71M	3.29B	4.43B	5.44B	9.91B
Issuance/retirement of long term debt	528.05M	634.15M	671.84M	-37.99M	-441.88M	-441.75M	-139.39M	104.86M	869.12M	3.25B	781.66M	—	—	—	—	—	—
Issuance/retirement of short term debt	-56.21M	534.77M	860.79M	384.62M	-260.01M	890.91M	-73.29M	1.48B	978.24M	0	0	0	0	0	0	0	0
Issuance/retirement of other debt	—	—	—	—	—	—	—	—	—	—	—	-90.37M	689.71M	3.29B	4.43B	5.44B	9.91B
Total cash dividends paid	0	-10.55M	-50.21M	-2.91M	-50.05M	-48.74M	-49.01M	-51.67M	-48.82M	-48.82M	-48.82M	-48.90M	-42.29M	-42.29M	-44.82M	-44.78M	-89.65M
Other financing cash flow items, total	0	270.13M	0	-150.59M	0	-981.60M	-94.93M	-196.96M	22.59M	597.17M	-642.74M	0	0	-485.26M	-150.00M	134.37M	-553.40M