Paisalo Digital Share Price Target 2026: Stock Analysis, Share Price Today, Bull Case and Bear Case After Q1 FY27

Paisalo Digital Rs 83.10 (6 Oct 2026 close). 52-week range Rs 30 to Rs 94.88. Q1 FY27 profit Rs 61.3 cr, up 30%; AUM Rs 6,707 cr.

The Paisalo Digital share price target for 2026 is Rs 77 to Rs 94 in the Univest base case, with the stock at Rs 83.10 at the 6 October 2026 close. That is 12.4 percent below its 52-week high of Rs 94.88 and 177.0 percent above its 52-week low of Rs 30.00, and the stock moved up 110.7 percent over the past year. Paisalo Digital is a Delhi-based non-banking finance company lending to MSMEs and micro-enterprises through about 6,000 touchpoints in 23 states. Debt to equity is 2.43 and the dividend yield is 0.12 percent.

Three things changed since the last update: promoter buying lifted the stock 20 percent to an upper circuit in July, Q1 FY27 results on 5 August showed record disbursements, and the stock hit Rs 94.88 in the week of 21 September before falling 10 percent. This Paisalo Digital stock analysis covers the Paisalo Digital share price today, the Paisalo Digital share price target for 2026, 2027 and 2030, the Q1 FY27 numbers, catalysts and risks, key price levels and a Paisalo Digital buy or sell view.

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What Is the Paisalo Digital Share Price Target for 2026?

The 2026 target for Paisalo Digital shares is Rs 77 to Rs 94 in the Univest base case, which is -7.3% to +13.1% against the last close. The bull case is Rs 113 to Rs 130 and the bear case is Rs 42 to Rs 52. No brokerage price target was available on the sources we track as of 6 October 2026, so every range below is a Univest research scenario. Analyst consensus is used as a cross-check, not as the base.

Paisalo Digital Share Price Target Scenarios: Bull Case, Base Case and Bear Case

Scenario	FY28E EPS	Target Multiple	Price Target (Rs)	Move vs Rs 83.10
Bull Case	Rs 4.2	27x to 31x	113 to 130	+36.0% to +56.4%
Base Case	Rs 3.5	22x to 27x	77 to 94	-7.3% to +13.1%
Bear Case	Rs 2.6	16x to 20x	42 to 52	-49.5% to -37.4%

FY28 EPS of Rs 3.50 in the base case compares with trailing EPS of Rs 2.75 and Q1 EPS of Rs 0.67, and assumes AUM growth near 25 percent with steady margins. NBFC stocks trade at 15 to 25 times earnings, and the stock trades at about 24 times the base estimate. The PE multiple used for each case is shown in the table, and the EPS estimate is a Univest assumption, not company guidance. Those assumptions set the Paisalo Digital share price target range around the current price.

Paisalo Digital Company Overview and Share Price Today as of 6 October 2026

Paisalo Digital share price today is Rs 83.10 on the NSE at the 6 October 2026 close, before the market opens on 7 October. The market capitalisation is Rs 7,597 crore, and the stock trades at 30.2 times earnings against an industry average of 17.8 times. The Univest base case Paisalo Digital share price target of Rs 77 to Rs 94 is -7.3% to +13.1% from here. The table below sets out the key numbers behind the Paisalo Digital share price target.

Parameter	Value	Context
NSE Ticker	PAISALO	BSE code 532900
Sector	Non-banking finance (MSME lending)	Per Univest sector classification
Last Close (NSE)	Rs 83.10	6 Oct 2026 close
52-Week High	Rs 94.88	CMP is 12.4% below
52-Week Low	Rs 30.00	CMP is 177.0% above
1-Year Return	About +111%	Weekly close Rs 39.44 on 10 Oct 2025 to Rs 83.1
Market Capitalisation	Rs 7,597 crore	Small cap NBFC
Trailing P/E	About 30.2x	Industry P/E about 17.80x
P/B Ratio	About 4.24x	Book value Rs 19.58 per share
EPS (TTM)	Rs 2.75	Trailing twelve months
Return on Equity	About 13.2%	Debt to equity 2.43
Dividend Yield	About 0.12%	Small dividend
12-Month Target (Base Case)	Rs 77 to Rs 94	Univest base case
Bull Case	Rs 113 to Rs 130	+36.0% to +56.4%
Bear Case	Rs 42 to Rs 52	-49.5% to -37.4%

Track live price, fundamentals and results for Paisalo Digital on the Univest Screener.

How Did Paisalo Digital Perform in Q1 FY27?

Paisalo Digital reported Q1 FY27 consolidated total income of Rs 260.29 crore, up 19 percent, and profit after tax of Rs 61.31 crore, up 30 percent from Rs 47.17 crore. Net interest income rose 16 percent to Rs 144.7 crore. Together these Q1 FY27 numbers anchor the Paisalo Digital share price target.

Metric	Q1 FY27	Context
Total Income	Rs 260.29 crore	Up 19% YoY
Profit After Tax	Rs 61.31 crore	Up 30%; down 15% QoQ
AUM	Rs 6,707 crore	Up 28% from Rs 5,230 crore
Disbursements	Rs 1,730.9 crore	Up 128%; highest ever
Gross NPA	0.70%	Net NPA 0.49%
Cost of Borrowing	10.1%	Down 64 bps

Return on assets was 3.6 percent and return on equity 13.4 percent, with collection efficiency at 97.5 percent. The company is launching a Rs 300 crore debenture tranche and aims to double AUM and profit over three years.

The company has about 1.8 crore customers and uses an AI-led operating model to speed up loan approvals and collections. Deputy Managing Director Santanu Agarwal said the results reflect compounding investments in distribution, technology and liability management. Total borrowings were Rs 4,847 crore at the end of June, and net worth was Rs 1,830 crore.

The FY27 outlook from management is the main input for these estimates. These numbers sit behind every range in the scenario table above, so they anchor the Paisalo Digital share price target.

Why Is Paisalo Digital Share Price Up 111 Percent in a Year?

Paisalo Digital shares are up about 111 percent in a year, and 177 percent from the Rs 30 low of March 2026, on strong disbursement growth and promoter buying. The stock jumped 21 percent in the week of 29 June on 19.5 crore shares after promoter holding rose to 46.72 percent.

It added 13.7 percent in the week of 7 September and reached Rs 94.88 in the week of 21 September, then fell 10.2 percent in the week of 28 September to Rs 79.90. The stock closed at Rs 83.10, 12 percent below the high. The Paisalo Digital share price target scenarios below account for that move.

Key Catalysts for the Paisalo Digital Share Price Target in 2026

4 catalysts matter most for the Paisalo Digital share price target, and sector tailwinds in Non-banking finance (MSME lending) are part of the case. Together they decide whether the base case is reached.

1. Disbursement Growth

Disbursements rose 128 percent to a record Rs 1,730.9 crore. New loans lift AUM and income. If it plays out, the Paisalo Digital share price target moves toward the top of the base range.

2. Stable Asset Quality

Gross NPA is 0.70 percent and collection efficiency is 97.5 percent. Clean books support valuation. Strength here would support the upper end of the Paisalo Digital share price target.

3. Lower Funding Cost

Cost of borrowing fell 64 bps to 10.1 percent. Lower-cost funds lift margin. Delivery on this point keeps the Paisalo Digital share price target on track.

4. Promoter Buying

The promoter group raised its stake to 46.72 percent through open-market buying. It signals confidence. Better news here would lift the Paisalo Digital share price target toward the bull case.

What Are the Key Risks to the Paisalo Digital Share Price Target?

The main risks are a premium valuation, high debt, MSME credit stress and a sharp run-up. Each can pull the Paisalo Digital share price target lower.

Premium Valuation

The stock trades at 30 times earnings and 4.2 times book value. A bear case EPS of Rs 2.60 at 16 times would put the price near Rs 42. If it materialises, the Paisalo Digital share price target would slip toward the bear case.

High Debt

Debt to equity is 2.43 and borrowings are Rs 4,847 crore. Higher rates would squeeze margin. This is the main downside risk to the Paisalo Digital share price target.

MSME Credit Stress

Loans go to small borrowers. A downturn would raise NPAs from 0.70 percent. A worsening here would cut the Paisalo Digital share price target toward the low end of the range.

Sharp Run-Up

The stock has nearly tripled from its low. A fall in sentiment could reverse gains quickly. Watch it closely, because it can pull the Paisalo Digital share price target lower quickly.

Paisalo Digital Stock Analysis: Support and Resistance Levels for the Share Price Target

Paisalo Digital stock analysis on weekly charts shows a range of Rs 73 to Rs 95 since early September, with the stock near the middle.

The first support level is Rs 78.95, the low of the week of 5 October. Below that, Rs 74.25 is the low of the week of 7 September and Rs 73.42 is the low of the week of 28 September.

The first resistance level is Rs 83.25 to Rs 88.70, the highs of the weeks of 5 and 28 September. Above that, Rs 92.75 to Rs 94.88 marks the highs of the weeks of 14 and 21 September. These levels come from weekly price action, are not trade recommendations, and frame the near-term Paisalo Digital share price target.

Paisalo Digital Share Price Target 2026, 2027 and 2030: Short, Medium and Long Term

Short-Term Paisalo Digital Share Price Target (3 to 6 Months)

In the near term the stock is likely to trade between Rs 74 and Rs 95, from the early-September low to the September high. A close above Rs 88.70 would put Rs 94.88 in play, while a weekly close under Rs 78.95 would put Rs 74 in play. The Q2 FY27 results are the main trigger. This range anchors the near-term Paisalo Digital share price target.

12-Month and 2027 Paisalo Digital Share Price Target

The 12-month target price is Rs 77 to Rs 94, valued on 22 to 27 times FY28 EPS of Rs 3.5. The range across scenarios runs from Rs 42 in the bear case to Rs 130 in the bull case.

Long-Term Paisalo Digital Share Price Target for FY29 to 2030

For FY29 to 2030 the Univest scenario range is Rs 92 to Rs 150. This assumes EPS of Rs 4.6 in FY29 and Rs 6 in FY30 and a multiple of 20 to 25 times. It needs AUM to keep growing about 25 percent a year and gross NPA to stay under 1 percent. This is the long-term Paisalo Digital share price target in the Univest scenarios.

Bull Case and Bear Case for Paisalo Digital Share Price Target

Bull Case Rs 113 to Rs 130

The bull case of Rs 113 to Rs 130 for the Paisalo Digital share price target needs EPS of Rs 4.2 and the market to pay 27 to 31 times for it. It is +36.0% to +56.4% from the last close.

Bear Case Rs 42 to Rs 52

The bear case of Rs 42 to Rs 52 for the Paisalo Digital share price target equals 16 to 20 times FY28 EPS of Rs 2.6 and sits above the Rs 30 low. It is -49.5% to -37.4% from the last close.

Is Paisalo Digital a Good Buy at Rs 83.10? Paisalo Digital Buy or Sell View

Whether Paisalo Digital is a buy at Rs 83.10 depends on horizon and risk appetite. The base case sits between 7 percent below and 13 percent above the current price, the stock is 12 percent below its high, and the open question is valuation. The Paisalo Digital share price target range is the starting point for that decision.

Long-term holders may focus on AUM growth, asset quality and funding cost, and treat Rs 78.95 as the level to watch. Short-term traders may prefer to wait for a close above Rs 88.70. Check institutional holding in the September quarter filing for signs of accumulation or selling. Consult a SEBI-registered advisor before acting, since this Paisalo Digital buy or sell view is educational.

How to Invest in Paisalo Digital Shares

Step 1: Check the live price, valuation and the latest Paisalo Digital share price target range on the Univest Screener.

Step 2: Open a demat and trading account with a SEBI-registered broker such as Univest before acting on any Paisalo Digital share price target.

Step 3: Search for PAISALO on the NSE or 532900 on the BSE in your trading app.

Step 4: Place a limit order near your planned entry and size the position so a fall to Rs 42 is bearable.

Step 5: Track disbursements, asset quality and Q2 FY27 results and set price alerts on the Univest App to follow any change in the Paisalo Digital share price target.

Conclusion

Paisalo Digital closed at Rs 83.10 against a Univest base case share price target of Rs 77 to Rs 94, a bull case of Rs 113 to Rs 130 and a bear case of Rs 42 to Rs 52. Q1 FY27 delivered profit growth of 30 percent, disbursement growth of 128 percent and gross NPA of 0.70 percent. The main risks are valuation, debt and MSME credit stress.

The stock is 12.4 percent below its 52-week high, so the base case sits between 7 percent below and 13 percent above the current price. The triggers to watch are disbursements, asset quality and Q2 FY27 results and the Rs 78.95 and Rs 88.70 levels. Re-check the Paisalo Digital share price target after each quarterly result. Investors with a long horizon and tolerance for volatility can track these triggers, while others may prefer to size positions carefully.

Download the Univest iOS App or Univest Android App to track Paisalo Digital live price and get daily stock recommendations.

FAQs on Paisalo Digital Share Price Target 2026

What is the Paisalo Digital share price target for 2026?

Ans. The Paisalo Digital share price target for 2026 is Rs 77 to Rs 94 in the Univest base case, with a bull case of Rs 113 to Rs 130 and a bear case of Rs 42 to Rs 52. No brokerage target was available on the sources we track as of 6 October 2026, so these are Univest research scenarios. These are estimates and can change after the Q2 FY27 results.

What is the Paisalo Digital share price target for 2027?

Ans. The Paisalo Digital share price target for 2027 is Rs 77 to Rs 94 in the base case, valued on 22 to 27 times FY28 EPS of Rs 3.5. The scenario range runs from Rs 42 to Rs 130.

Is Paisalo Digital a good buy at Rs 83.10?

Ans. Whether Paisalo Digital is a good buy at Rs 83.10 depends on your horizon, risk appetite and how you read the Paisalo Digital share price target. Growth and asset quality are strong, but the stock has doubled in a year and trades at 30 times earnings. Consult a SEBI-registered advisor before investing.

What are the key risks to the Paisalo Digital share price target?

Ans. The key risks to the Paisalo Digital share price target are premium valuation, high debt, msme credit stress and sharp run-up. The stock trades at 30 times earnings and 4.2 times book value. A bear case EPS of Rs 2.60 at 16 times would put the price near Rs 42.

What are the key catalysts for the Paisalo Digital share price target?

Ans. The key catalysts for the Paisalo Digital share price target are disbursement growth, stable asset quality, lower funding cost and promoter buying. Disbursements rose 128 percent to a record Rs 1,730.9 crore. New loans lift AUM and income.

Where can I track Paisalo Digital share price today and Paisalo Digital share price target updates?

Ans. You can track the live Paisalo Digital share price, results and any change to the Paisalo Digital share price target on the Univest Screener and the Univest App. Download the Univest iOS App or Univest Android App for research from SEBI-registered analysts.

What are Paisalo Digital's 52-week high and low?

Ans. Paisalo Digital's 52-week high is Rs 94.88 and its 52-week low is Rs 30.00, based on weekly NSE data. At Rs 83.10 the stock is 12.4 percent below the high and 177.0 percent above the low. Both levels frame the Paisalo Digital share price target.

How to buy Paisalo Digital shares?

Ans. Open a demat account with a SEBI-registered broker such as Univest, search for PAISALO on the NSE or 532900 on the BSE, and place a limit order near your entry price, using the Paisalo Digital share price target range as a guide. Size the position so a fall to Rs 42 is bearable, and check the live price on the Univest Screener first.