Piramal Finance Investor Presentation: FY26 Results & FY27 Outlook
Piramal Finance FY26 results show total AUM crossing ₹1,01,230 Cr (up 25% YoY), with retail AUM at 85%. PAT increased 210% YoY to ₹1,506 Cr. The company met FY26 targets and aims for ₹1.5 lac Cr AUM by FY28. FY27 outlook targets 25% AUM growth and 50% PAT growth.
The announcement includes comprehensive financial results, strategic targets, credit rating upgrades, and future guidance, which are material information for investors and stakeholders.
The announcement details strong financial performance, significant AUM growth, credit rating upgrades, and positive future outlook, indicating a favorable development for the company.
Piramal Finance Limited has released its investor presentation for Q4 and full year FY26, highlighting significant achievements and outlining future targets.
The company's total Assets Under Management (AUM) crossed ₹1,01,230 Crore, marking a 25% year-on-year growth, with Growth AUM contributing 97% of the total. Retail AUM now constitutes 85% of the total AUM, up from 34% in June 2021, and the company operates 701 branches across 26 states. The company aims to reach ₹1.5 lac Crore AUM by March 2028, with a target AUM-to-equity ratio of 4.5-5.0x.
For FY26, Piramal Finance met all its targets, including a 25% YoY growth in Total AUM, 33% YoY growth in Growth AUM, and maintained an 85% retail share in total AUM. Consolidated Profit After Tax (PAT) was ₹1,506 Crore, a 210% YoY increase, while Growth business PBT stood at ₹1,560 Crore, up 74% YoY. The company also saw its NIM improve to 6.5% in Q4 FY26, and its retail opex-to-AUM declined to 3.6%. Asset quality remained stable with GNPA at 2.3% and Growth business credit cost at 1.5%.
Several credit rating upgrades were observed in Q4 FY26, with agencies like Crisil, ICRA, and Care assigning AA+ to the domestic long-term debt. S&P upgraded its international rating to BB, and Moody's revised its outlook to 'Positive'. The company also secured US$350 million in inaugural DFI funding from IFC & ADB.
The investor presentation also detailed the performance of its retail lending segments, including mortgages, used car loans, and unsecured loans, with strong YoY growth. The company is also expanding its gold loan business and focusing on micro-loans within its rural strategy.
Piramal Finance has set an outlook for FY27, targeting 25% growth in AUM and approximately 50% growth in Consolidated PAT. RoAUM is projected to reach around 2.5% by FY27. The company is leveraging AI extensively across its operations, as demonstrated by the Piramal.ai platform, which has shown significant growth in AI solution usage and impact across various business areas.
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Piramal Finance Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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