Piramal Finance Q1FY27: PAT up 67% to ₹461 Cr, AUM rises 25% to ₹1,06,940 Cr
Piramal Finance reported Q1 FY27 PAT of ₹461 Cr, up 67% YoY. AUM rose 25% YoY to ₹1,06,940 Cr. NIM was 6.5%. GNPA improved to 2.4%. Retail AUM grew 32% YoY to ₹91,249 Cr. Wholesale AUM increased 27% YoY to ₹13,238 Cr. The company launched an AI investor assistant, 'Pia'.
The significant increase in profit and AUM, coupled with positive trends in key financial metrics like NIM and asset quality, are material positive developments for the company and its investors.
The company reported strong year-on-year growth in PAT and AUM, along with improved margins and stable asset quality. The launch of an AI investor assistant also indicates a forward-looking approach.
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) grew by 25% year-on-year to ₹1,06,940 Crore.
The Net Interest Margin (NIM) stood at 6.5%, showing a 47 basis points year-on-year increase and remaining stable quarter-on-quarter. The Cost to Income ratio for the company improved to 52.5% from 65.6% in Q1 FY26, while retail opex-to-AUM declined to 3.5%.
Asset quality remained stable with a Gross Non-Performing Asset (GNPA) ratio of 2.4%, down from 2.8% in Q1 FY26. The Growth business credit cost was stable at 1.6%. The Return on Average AUM (RoAUM) for the growth business was 1.9%, up from 1.5% in the prior year quarter.
Retail AUM increased by 32% year-on-year to ₹91,249 Crore, with disbursements growing by 44% year-on-year. Wholesale lending AUM grew by 27% year-on-year to ₹13,238 Crore.
Additionally, Piramal Finance announced the launch of 'Pia' (Piramal Investor Assistant), an AI-powered investor relations agent, available on their investor portal. The company also scheduled a Group Investor Meeting in Mumbai on 23rd September 2026.
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