Piramal Finance Q1 FY27: PAT ₹461 Cr (+67% YoY), AUM ₹1,06,940 Cr (+25% YoY)
Piramal Finance reported Q1 FY27 PAT of ₹461 Cr (+67% YoY) and AUM of ₹1,06,940 Cr (+25% YoY). Retail AUM grew 32% YoY. NIM was 6.5% and Cost to Income improved to 52.5%. The company launched its AI investor assistant, 'Pia'.
The announcement details significant financial growth and strategic initiatives like AI integration, which are material for investors and stakeholders.
The company reported strong year-on-year growth in PAT and AUM, along with an improved NIM and Cost to Income ratio, indicating positive financial performance.
Piramal Finance Limited announced its financial results for the first quarter of FY27, reporting a Profit After Tax (PAT) of ₹461 Crore, a significant increase of 67% year-on-year. The company's Assets Under Management (AUM) also grew by 25% YoY to ₹1,06,940 Crore. Retail AUM showed robust growth, rising 32% YoY to ₹91,249 Crore.
The Net Interest Margin (NIM) stood at 6.5%, up 47 basis points YoY, while the Cost to Income ratio improved to 52.5% from 65.6% in Q1 FY26. Asset quality remained stable with a Gross Non-Performing Asset (GNPA) ratio of 2.4%. The company's AUM to Equity ratio was maintained at 3.7x.
Piramal Finance highlighted its AI-powered initiatives, including the launch of 'Piramal Investor Assistant' (Pia). The company also detailed its strategy for retail and wholesale lending, emphasizing growth in segments like housing loans, loan against property (LAP), and unsecured loans. Wholesale lending AUM stood at ₹13,238 Crore, up 27% YoY, with a mix of Corporate Mid-Market Loans (CMML) and Real Estate.
The investor presentation also provided a detailed outlook on financial performance, balance sheet strength, and the company's expanding branch network across various formats. Piramal Finance reiterated its commitment to building a future-proof, AI-native company with long-range goals for growth, profitability, and predictability.
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