Piramal Finance Q1 FY27 PAT ₹461 Cr, up 67% YoY; AUM ₹1.07 lakh Cr, up 25%
Piramal Finance's Q1 FY27 PAT rose 67% YoY to ₹461 Cr. AUM grew 25% YoY to ₹1,06,940 Cr, with Retail AUM up 32% YoY to ₹91,249 Cr. NIM was 6.5%, and Cost to Income improved to 52.5%. GNPA was stable at 2.4%. The company is expanding its branch network and leveraging AI.
The strong financial results, including substantial profit growth and robust AUM expansion, are material positive developments for the company's stakeholders.
The company reported significant year-on-year growth in profit (PAT up 67%) and AUM (up 25%), along with stable asset quality and improved efficiency ratios (Cost to Income).
Piramal Finance Limited reported a strong performance in Q1 FY27, with Profit After Tax (PAT) surging by 67% year-on-year to ₹461 crore. The company's Assets Under Management (AUM) grew by 25% year-on-year to ₹1,06,940 crore. Retail AUM showed significant traction, increasing by 32% year-on-year to ₹91,249 crore.
The Net Interest Margin (NIM) stood at 6.5%, a 47 basis points increase year-on-year. 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.
The company's Return on Average AUM (RoAUM) for the growth business was 1.9%, up from 1.5% in the previous year. Cash and equivalents stood at ₹6,925 crore. Piramal Finance also highlighted its expanding branch network, now present in 26 states with 780 branches, and its increasing adoption of AI across various business functions.
In the wholesale lending segment, AUM grew by 27% year-on-year to ₹13,238 crore, with a strong repayment rate of 74% of disbursements. The company's long-term goals include achieving RoAUM greater than 3% and doubling AUM in approximately three years.
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