Piramal Finance Limited — PPTs, 10-08-2026: Investor Presentation

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

**Business Performance:**

* Total Assets Under Management (AUM) grew 25% YoY to ₹1,06,940 Cr.

* Retail AUM surged 32% YoY to ₹91,249 Cr, now forming 85% of the total AUM.

* Wholesale lending AUM increased 27% YoY to ₹13,238 Cr.

**Growth Drivers & Strategy:**

* The company continues to focus on scaling its retail lending business, which has seen rapid growth from ₹20,000 Cr to ₹90,000 Cr in about four years.

* Significant investment in AI-powered solutions is a key strategic initiative, with AI now writing 57% of the overall code, enhancing productivity and customer experience.

**Key Financial Metrics:**

* Profit After Tax (PAT) grew an impressive 67% YoY to ₹461 Cr.

* Growth business RoAUM (Return on Average Assets Under Management) stood at 1.9%, up from 1.5% YoY.

* Net Interest Margin (NIM) was reported at 6.5%, up 47bps YoY.

**Management Commentary / Outlook:**

* The company highlights a stable asset quality with GNPA at 2.4% and controlled credit costs.

* Operating expenses as a percentage of AUM continue to decline, with the company-led cost-to-income ratio at 52.5%.