Paisalo Digital NCD Aug 2026 NCD — Review
Paisalo Digital NCD Aug 2026 NCD — Key Facts
Paisalo Digital NCD Aug 2026 is a NCD rated BWR AA/STABLE, IVR AA/Stable offering 9.00–10.47% p.a. , listed on BSE.
Our Take — Who Should Consider This NCD
This NCD is suitable for conservative to moderate investors seeking stable, fixed-income returns with a high degree of safety. The instrument carries a credit rating of "BWR AA/Stable" and "IVR AA/Stable", indicating a high degree of safety regarding timely servicing of financial obligations and very low credit risk. Therefore, it is an appropriate investment for individuals and entities looking for predictable interest income, portfolio diversification, and capital preservation, similar to high-quality corporate bonds or fixed deposits. While the security is backed by a charge on the company's loan receivables and offers a relatively safe investment, it is not without risk. Prospective investors must be comfortable with the risks inherent to the NBFC sector, such as interest rate fluctuations, asset-liability mismatches, and the company's exposure to credit risk from its borrowers
About the Issuer
Paisalo Digital Limited is a technology-enabled, Reserve Bank of India-registered non-banking financial company (NBFC-ML) established in 1992, with a deep-rooted focus on financial inclusion across rural and semi-urban India. The company operates through a diversified network of over 5,000 touchpoints across 22 states, offering tailored financial solutions, including micro-enterprise loans and MSME/business loans, to a significant customer base. A key strategic differentiator is its co-lending model with prominent public sector banks, allowing it to leverage their balance sheet strength while using its operational expertise in sourcing, servicing, and collections. With a consistent track record of growth in its asset under management and profitability, Paisalo Digital maintains strong asset quality and a robust capital adequacy ratio, supported by high credit ratings from rating agencies.
Liquidity & Exit
Listing on a Stock Exchange (The Primary Exit Route): The NCDs are proposed to be listed on the BSE Limited. Potential Liquidity: Being listed allows investors to potentially exit their investment before the maturity date by selling the NCDs to other market participants. Liquidity on the exchange is not guaranteed. If the market is illiquid, investors may find it difficult to sell their NCDs at a desired price, or at all, and may have to hold the security until maturity .
Tax Treatment
The interest earned on these NCDs is fully taxable. It will be added to your total income and taxed according to your applicable income tax slab rate. The company will usually deduct Tax Deducted at Source (TDS) on your interest income. The standard TDS rate on interest from listed securities is 10% You can avoid TDS by submitting a self-declaration (Form 121) to the company if your total income for the year is below the taxable limit
Disclaimer: This page is for informational purposes only. NCDs and bonds carry credit risk. Please read the offer document before investing.
Paisalo Digital NCD Aug 2026 — Full Details · NCD & Bonds · Glossary
Market insights, straight to WhatsApp — when it matters
Mutual fund updates, SIP tips, and what's moving the market. No daily noise — only when there's something worth reading.
