Piramal Finance Limited — PPTs, 17-03-2026: Investor Presentation

Here's a summary of the investor presentation for Piramal Finance Limited:

**1. Business Performance:**

Piramal Finance reported strong growth, with total Assets Under Management (AUM) reaching ₹96,690 Cr, a 23% YoY increase. The growth business, now representing 95% of total AUM, saw a substantial 34% YoY rise. Profitability improved significantly, with consolidated Profit After Tax (PAT) at ₹401 Cr, up 940% YoY, and Growth business Profit Before Tax (PBT) at ₹427 Cr, up 101% YoY. The Net Interest Margin (NIM) also improved to 6.3%.

**2. Growth Drivers or Strategy:**

The company continues to focus on its "High Tech / High Touch" model for its retail segment, leveraging technology for efficient underwriting and customer engagement. The Wholesale 2.0 business is also expanding, targeting underpenetrated real estate and corporate mid-market lending.

**3. Recent Developments:**

Piramal Finance announced the monetization of its Shriram Life Insurance stake for ₹600 Cr. Additionally, Crisil assigned an AA+ rating to its long-term debt, and the company secured inaugural funding of $350 million from IFC and ADB.

**4. Key Financial Metrics:**

* Consolidated AUM: ₹96,690 Cr (up 23% YoY)

* Consolidated PAT: ₹401 Cr (up 940% YoY)

* Growth Business PBT: ₹427 Cr (up 101% YoY)

* NIM: 6.3% (up 51 bps YoY)

* Capital Adequacy Ratio: 20.3%

**5. Management Commentary / Outlook:**

The company is on track to meet its FY26 targets, demonstrating steady progress across key parameters. The focus remains on scaling AUM, improving profitability, and maintaining stable asset quality.