Paisalo Digital Limited has announced an accelerated transition into a fully AI-powered lending platform, positioning itself for scalable growth, improved profitability, and enhanced operational efficiency across the credit lifecycle.
The company stated that this transformation is structural, technology-led, and outcome-driven, with a target to achieve 2x growth in assets under management, revenue, and profit after tax over the next three years, strengthening its position as an AI-led financial institution in India.
Paisalo’s AI infrastructure is already operational at scale, supported by two high-performance NVIDIA AI chips and an immersion-cooled AI server designed for efficient, low-latency computing. The platform currently handles over 350,000 AI-driven customer interactions daily across Hindi, English, and Marathi, enabling continuous data-driven learning and more precise underwriting.
The company is embedding AI across all stages of the credit lifecycle. In customer acquisition and onboarding, AI-led sourcing engines are improving borrower quality while digital onboarding through eKYC and Account Aggregator frameworks is reducing loan processing time from days to minutes.
In underwriting and credit decisioning, a proprietary AI and machine learning engine integrates bureau data, banking behaviour, and alternative datasets to enable real-time approvals, dynamic pricing, and enhanced fraud detection. For portfolio and risk management, predictive analytics are used to monitor asset quality, identify early stress signals, and improve collections efficiency.
Paisalo is also building an AI-native infrastructure with cloud-based architecture, AutoML pipelines, and multilingual engagement systems, aligned with regulatory requirements and designed for scalable growth without proportional cost increases.
Santanu Agarwal, Deputy Managing Director, Paisalo Digital Limited, said, “Our transition to an AI-first lending platform is a step-change in our operating model. With AI embedded across acquisition, underwriting, and servicing, and with infrastructure already live and in-progress, we are well positioned to scale faster, improve margins, and deliver industry-leading returns. This is the foundation for achieving our vision of doubling AUM, revenue, and profitability over the next three years.”
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