Public NCD issue
Paisalo Digital Limited
An RBI-registered non-deposit taking NBFC in the middle layer, lending across 22 states and union territories through branches, distribution points and customer service points. It lends mainly to rural and semi-urban borrowers, with a particular focus on women customers and small businesses, and reported consolidated assets under management of ₹6,101 crore as at 31 March 2026. Incorporated in 1992.
- Rating
- AA, Stable
- Series
- 6, 18 months to 60 months
- Minimum
- ₹10,000
- Issue size
- up to ₹300.00 Cr
This issue has closed and cannot be applied for. The terms below are kept as a record of what was offered.
The specific terms of each instrument
6 series, and the only real choice is when you want the money
Every series is the same loan to the same company at the same minimum. They differ in how long you lend for and in when the interest reaches you.
Interest paid monthly
Interest reaches your bank account every month and your ₹1,000 comes back at the end. Income now.
| Series | Tenor | Coupon | Effective yield | Returned at the end |
|---|---|---|---|---|
| I | 18 months | 9.00% | 9.38% | ₹1,000 |
| II | 24 months | 9.15% | 9.53% | ₹1,000 |
| III | 36 months | 9.50% | 9.92% | ₹1,000 |
| V | 60 months | 10.00% | 10.46% | ₹1,000 |
Interest paid once a year
Interest reaches your bank account once a year and your ₹1,000 comes back at the end.
| Series | Tenor | Coupon | Effective yield | Returned at the end |
|---|---|---|---|---|
| IV | 36 months | 9.92% | 9.91% | ₹1,000 |
| VI | 60 months | 10.47% | 10.46% | ₹1,000 |
The last column is not comparable between these tables. A monthly series returns your ₹1,000 and has paid you interest along the way; a cumulative series returns a larger figure because that same interest is inside it. A bigger number at the end is not a bigger return, it is the same loan settled at a different time.
The issue itself
- Instrument
- Secured, redeemable, non-convertible debentures
- Rated
- AABrickwork
- Face value per NCD
- ₹1,000
- Minimum application
- ₹10,000, being 10 NCDs
- Base issue size
- ₹150.00 Cr
- With green shoe, up to
- ₹300.00 Cr
- Listing
- BSE
- Registrar
- Alankit Assignments Limited
- Allotment
- First come, first served
Who the issue is split between
25%
Institutional
25%
Non-institutional
25%
High net worth individuals
25%
Retail individual investors
Retail applications compete only within the retail portion, not against institutional money, which is why a large issue can still fill quickly in one category.
Where these figures come from
Every number on this page is transcribed from Motilal Oswal product note, Paisalo Digital NCD. The prospectus is the document that governs, and it is the one to read before applying. Ask the desk and you will get both in full.
Ratings shown are reproduced from the named agency and are that agency's opinion on the issuer's ability to pay. They are not Zenith Wealth's assessment, they are not a guarantee, and they can be revised at any time. Every figure on this page is taken from the issuer's own product note and prospectus; where the two differ, the prospectus governs.