Piramal Finance Limited — PPTs, 16-07-2026: Investor Presentation

Here's a summary of Piramal Finance Limited's Q1 FY27 performance:

**Business Performance:**

The company saw robust growth with Assets Under Management (AUM) climbing 25% year-on-year to ₹1,06,940 Cr. Retail AUM was a key driver, surging 32% YoY to ₹91,249 Cr, now constituting 85% of the total AUM. Net Profit also showed strong momentum, increasing by 67% YoY to ₹461 Cr.

**Growth Drivers or Strategy:**

Piramal Finance continues to focus on scaling its retail lending business, which has shown impressive growth while simultaneously reducing its opex-to-AUM ratio. The company is also leveraging AI significantly across its operations, with 57% of its code now written by AI.

**Recent Developments:**

The company highlighted the steady growth across its retail product segments, including Housing Loans, Loan Against Property (LAP), Used Car Loans, and various unsecured loan products. The rural micro-loan segment saw significant growth of over 101% YoY.

**Key Financial Metrics:**

- AUM: ₹1,06,940 Cr (up 25% YoY)

- Retail AUM: ₹91,249 Cr (up 32% YoY)

- Net Profit: ₹461 Cr (up 67% YoY)

- Growth Book RoAUM: 1.9% (up 33 bps YoY)

- Cost-to-income ratio (Company): 52.5% (down from 65.6% in Q1 FY26)

**Management Commentary / Outlook:**

The company is executing its blueprint for value creation, aiming for AUM growth and profitability, with a focus on building a future-proof, AI-native company. The strong performance in retail lending, coupled with controlled costs and stable asset quality, positions the company well for continued growth.