Small-cap stock under ₹50: Shares of non-banking finance company (NBFC), Paisalo Digital, witnessed over 2% uptick in Wednesday’s trading session, April 1, after credit rating agency Infomerics Analytics and Research assigned a stable outlook to the non-convertible debentures (NCDs) and reaffirmed its rating on several other instruments.
Paisalo Digital share price gained 2.81% to ₹34.70 as against its Monday’s closing price of ₹33.75 apiece. The Indian equity indices were shut for trading on Tuesday due to Mahavir Jayanti.
Paisalo Digital credit ratings
According to the exchange filing shared by the company earlier today, Infomerics Analytics and Research has assigned a new rating of IVR AA/Stable for long-term NCDs worth ₹1500 crore. Meanwhile, on other instruments, the ratings were affirmed by the agency.
On the long-term bank facilities worth ₹4500 crore, Infomerics has an IVR AA/Stable. On NDs worth ₹559 crore, too, it has a similar rating. Meanwhile, on commercial papers amounting to ₹540 crore, the rating agency reaffirmed its IVR A1+ rating.
The gains in the small-cap stock were also aided by a positive sentiment on Dalal Street as the Indian benchmark indices rose over 2% following hopes of a resolution to the US-Iran war in the upcoming weeks and a decline in crude oil prices.
Among other updates shared by the company recently, Paisalo Digital said on March 25 that it has been appointed as a Business Correspondent (BC) partner for Indian Overseas Bank (IOB). This marks a significant expansion of Paisalo’s Banking‑as‑a‑Service (BaaS) platform, complementing its existing BC partnerships with State Bank of India (SBI) and Bank of India (BOI), the company said in a filing.
The small-cap stock is also part of SBI Life‘s stock portfolio, with the PSU company holding a 6.83% stake in the company as of the December quarter shareholding data. The March quarter data is not yet available.
Paisalo Digital Q3 results
On the financial front, the NBFC posted an 18% year-on-year (YoY) rise in its total income for the quarter ended December 2025 to ₹240 crore from ₹203.8 crore in the year-ago period. Meanwhile, the profit after tax (PAT) stood at ₹66.3 crore as against ₹62.4 crore, marking a 6% increase on a YoY basis. This was the highest quarterly PAT for the company, according to the release. NIM remained steady at 6.6% in Q3FY26.
The assets under management (AUM) increased by 16% YoY to ₹5508 crore, and disbursements rose by 7% to ₹1057.4 crore, reflecting sustained demand for credit.
Paisalo Digital share price trend
The small-cap stock below ₹50 has remained under pressure lately, according to data from BSE. It has lost 6% year-to-date (YTD) and 10% in six months. The stock has remained flat in a year but risen 30% in three years.
Its 52-week high stands at ₹41.50 apiece, touched in September 2025, and the 52-week low is ₹29.40, hit in June 2025.
