Piramal Finance Q1 FY27 PAT ₹461 Cr, Up 67% YoY; AUM ₹1,06,940 Cr, Up 25%
Piramal Finance reported Q1 FY27 PAT of ₹461 Cr, up 67% YoY. AUM grew 25% YoY to ₹1,06,940 Cr, with retail AUM up 32% YoY. NIM was 6.5%, and Cost to Income improved to 52.5%. GNPA stood at 2.4%. The company is expanding its retail and wholesale portfolios and leveraging AI.
The significant YoY growth in profit and assets under management, along with improved operational efficiencies and a positive outlook on asset quality, suggests a material positive impact on the company's financial standing and investor perception.
The company reported strong year-on-year growth in PAT and AUM, improved margins, stable asset quality, and a reduced cost-to-income ratio, indicating positive financial performance.
Piramal Finance Limited announced its financial results for the first quarter of Fiscal Year 2027 (Q1 FY27), reporting a Profit After Tax (PAT) of ₹461 Crore, a significant increase of 67% year-on-year (YoY). The company's Assets Under Management (AUM) reached ₹1,06,940 Crore, marking a 25% YoY growth.
The Net Interest Margin (NIM) for the quarter stood at 6.5%, showing a YoY increase of 47 basis points. The Cost to Income ratio improved to 52.5% from 65.6% in Q1 FY26. Asset quality remained stable, with Gross Non-Performing Assets (GNPA) at 2.4% and a credit cost of 1.6% for the growth business.
Retail AUM grew by 32% YoY to ₹91,249 Crore, driven by strong disbursements that increased by 44% YoY. The company continues to focus on expanding its retail lending portfolio across various segments including housing loans, loan against property (LAP), used car loans, and unsecured loans. The branch network has expanded to 780 branches across 26 states.
Wholesale lending AUM increased by 27% YoY to ₹13,238 Crore, with a mix of 70% in real estate and 30% in Corporate Mid Market Loans (CMML). The company reported prepayments worth ₹1,030 Crore in Q1 FY27, with repayments constituting 74% of disbursements.
Piramal Finance also highlighted its progress in leveraging Artificial Intelligence (AI) across its operations, with AI-powered solutions enhancing growth, underwriting, customer experience, and productivity. The company launched its AI-powered investor relations agent, Pia (Piramal Investor Assistant), to assist investors.
The company maintained a strong liquidity position with an average Liquidity Coverage Ratio (LCR) of 553% and cash and equivalents of ₹6,925 Crore.
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