Piramal Enterprises Limited — PPTs, 15-09-2025: Investor Presentation

Piramal Enterprises is aggressively growing its lending business, with total Assets Under Management (AUM) at ₹77,572 Cr as of Q1 FY26. Retail AUM grew 37% YoY to ₹69,005 Cr, while the Wholesale 2.0 book expanded 47% YoY to ₹10,425 Cr, focusing on underpenetrated real estate and corporate mid-market segments. The legacy AUM is being significantly reduced, down 51% YoY to ₹6,327 Cr, improving overall asset quality, with consolidated GNPA/NNPA at 2.8%/1.9% (Mar'25).

The company's strategy relies on a 'High Tech / High Touch' distribution model, leveraging robust branch networks and digital platforms, supported by data-driven underwriting and AI solutions. This drives both productivity and risk management.

PEL reported a Q1 FY26 net profit of ₹276 Cr, building on FY25's ₹485 Cr. Management is confident in achieving its FY26 targets, including 25% YoY AUM growth, 80-85% retail share in AUM, and a net profit of ₹1,300-1,500 Cr, supported by the ongoing merger of PEL with Piramal Finance Ltd. to simplify its structure.