Piramal Finance Limited — PPTs, 28-05-2026: Investor Presentation

Here's a summary of Piramal Finance's investor presentation, focusing on key performance indicators and strategic initiatives:

**Business Performance:**

Piramal Finance reported a robust 25% YoY growth in total Assets Under Management (AUM), reaching ₹1,01,230 Cr. The growth was predominantly driven by the Retail segment, which now constitutes 85% of the total AUM, up from 34% in FY23. Legacy AUM has significantly reduced to less than 3% of the total. The company achieved its FY26 targets, with consolidated Profit After Tax (PAT) at ₹1,506 Cr, a substantial 210% YoY increase.

**Growth Drivers or Strategy:**

The company is executing a clear blueprint for value creation focused on growth, profitability, and predictability. Key strategic areas include scaling the retail lending platform with a "High Tech + High Touch" approach, expanding the Wholesale 2.0 business in real estate and corporate mid-market lending, and leveraging AI across its operations for efficiency and better decision-making. The company aims to double its AUM to ₹1.5 Lakh Cr by March 2028.

**Recent Developments:**

Piramal Finance is seeing strong traction in its retail product offerings, with significant YoY growth in Housing Loans and LAP. They have also launched a Gold Loans business, further diversifying their product suite. The company continues to expand its branch network, focusing on increasing product penetration in existing branches.

**Key Financial Metrics:**

Consolidated PAT surged 210% YoY to ₹1,506 Cr for FY26. YoY revenue growth was 22%, and AUM grew by 25%. The Return on Average AUM (RoAUM) for the growth business was 2.1% in Q4 FY26, showing an improving trend. Leverage (AUM/Equity) stood at 3.6x with a strong capital adequacy of 19.8%.

**Management Commentary / Outlook:**

Management expresses confidence in achieving long-range profitability goals, with a target of a 2.5% RoAUM by FY27. The company anticipates 25% AUM growth and a 50% profit growth in FY27, highlighting strong demand visibility across its diversified lending portfolio. The strategic focus remains on building a sustainable, tech-enabled, and customer-centric lending franchise.