PAISALO DIGITAL LIMITED NCD IPO - Check issue date, Price and details | Bond IPO

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Open on

7-Aug-2026

Returns Upto*

10.46%

Min Investment

₹ 10,000

Credit Rating

AA/STABLE IVR

Select Series

Select	Series	Returns	Tenure	Payout	Coupon
Yes	Series V	10.46%	60 months	Monthly	10%
No	Series VI	10.46%	60 months	Yearly	10.47%
No	Series III	9.92%	36 months	Monthly	9.5%
No	Series IV	9.91%	36 months	Yearly	9.92%
No	Series II	9.53%	24 months	Monthly	9.15%
No	Series I	9.38%	18 months	Monthly	9%

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Bank Deposit

6.80% *

Bond

10.46%

10 Lac Invested could earn ₹ 1,83,000 more in 5 years

About Issuer

PAISALO DIGITAL LIMITED

Paisalo Digital Limited, an NBFC, extends financial services and loans to rural and semi-urban sectors in India, employing a high-tech, high-touch strategy. Utilizing artificial intelligence and machine learning, it provides seamless loans via its mobile app and widespread distribution network. With 8 lakh women borrowers and 34 lakh lives touched, it operates across 18 states with 1944 touchpoints.

Partnering with 5 co-lending banks, the company ensures low-cost funds. Its robust financial performance includes INR 42,280 million in assets under management, INR 4,635 million in revenue, and INR 1,424 million in profit after tax as of Q3 FY 2024. Additionally, it maintains a commendable net non-performing asset ratio of 0.02% and a robust capital adequacy ratio of 37.82%.

Total Annual Revenue

2785 Cr FY (2023-24)

Year of Inception

1992

Industry

NBFC Retail

Head Office

NEW DELHI

Type of Issuer

PSU

Current MD/CEO

Mr. SUNIL AGARWAL

Credit Rating / Outlook

AA STABLE

BWR

Rating Rationale

Rating Date: 20-Apr-2026

AA STABLE

IVR

Rating Rationale

Rating Date: 24-Jul-2026

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with AA credit rating are considered to have a high degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry very low credit risk.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

PAISALO DIGITAL LIMITED

Face Value

₹ 1,000

Mode of Issue

Public Placement

Trustee Details

Axis Trustee Services Limited

The Ruby, 2nd Floor SW 29, Senapati Bapat Marg, Dadar West, Mumbai ? 400 028, Maharashtra, India

Registrar Details

Tipsons Consultancy Services Private Limited

1st Floor, Sheraton House, Opp. Ketav Petrol Pump, Polytechnic Road, Ambawadi, Ahmedabad 380 015 Gujarat, India

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Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 121 to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: Tipsons Consultancy Services Private Limited 1st Floor, Sheraton House, Opp. Ketav Petrol Pump, Polytechnic Road, Ambawadi, Ahmedabad 380 015 Gujarat, India