Piramal Finance Limited — PPTs, 20-03-2026: Investor Presentation

Here's a summary of the investor presentation for retail investors:

**Business Performance:**

Piramal Finance saw strong overall AUM growth of 23% YoY, driven by its retail segment which now accounts for 82% of total AUM. The company is actively shrinking its legacy (discontinued) business, which is down to 5% of total AUM.

**Growth Drivers or Strategy:**

The company is focused on scaling its multi-product retail lending platform, leveraging its "High Tech / High Touch" model with a growing branch network and AI integration. They are also building a granular and diversified Wholesale 2.0 book, focusing on real estate and corporate mid-market lending.

**Recent Developments:**

Piramal Finance announced the monetization of its Shriram Life Insurance stake for ₹600 Cr. In January 2026, CRISIL assigned an AA+ rating to its long-term debt, and they secured inaugural $350 million DFI funding.

**Key Financial Metrics:**

Consolidated Net Profit after Tax was ₹401 Cr, up 940% YoY. The Growth Business PBT stood at ₹427 Cr, up 101% YoY. NIM increased to 6.3% and RoAUM for the growth business was 1.9%.

**Management Commentary / Outlook:**

The company is on track to meet its FY26 targets, with a goal to reach ₹1.5 lac Cr AUM by March 2028. They are building a future-proof, AI-native company and aim for a target AUM-to-equity ratio of 4.5-5.0x.