Paisalo Digital stock’s one-month return stands at 30.65%, sharply outpacing the Nifty 50’s 5.47% gain over the same period.
Paisalo Digital Limited‘s stock touched a 52-week high of ₹45.89 on Wednesday, the same day the New Delhi-based non-banking financial company announced a sweeping transition to an AI-driven lending platform. The stock was trading at ₹45.80 on the NSEup 2.90 per cent from its previous close of ₹44.51, with a market capitalization of ₹4,167 crore.
In an announcement, Paisalo Digital said it is moving to embed artificial intelligence across its entire credit lifecycle — from customer acquisition and onboarding to underwriting, collections and portfolio monitoring.
The company said its AI infrastructure is already operational, running on two NVIDIA AI chips and an immersion-cooled server, and currently handling over 350,000 AI-driven customer calls per day in Hindi, English and Marathi. A proprietary AI/ML credit engine pulls in bureau data, banking transaction history and alternative datasets to enable real-time loan approvals, dynamic pricing and fraud detection.
Paisalo has set a three-year target of doubling its assets under management, revenue and profit after tax. Deputy Managing Director Santanu Agarwal attributed this outlook directly to the AI rollout, saying the company is positioned to scale faster and improve margins with infrastructure already live.
The stock’s one-month return stands at 30.65 per cent, sharply outpacing the Nifty 50’s 5.47 per cent gain over the same period. Year-to-date, the stock is up 25.67 per cent against the index’s decline of 6.76 per cent. Trading volume on Wednesday stood at 33.88 lakh shares, with 65.89 per cent of traded quantity resulting in delivery — indicating sustained investor conviction rather than short-term speculation.
Paisalo currently trades at a price-to-earnings ratio of 19.16 with a 52-week low of ₹29.38 recorded in June 2025.
Published on April 22, 2026