ALFA Finder| Margins | NIM at 6.5%, up 47bps YoY. |
|---|---|
| Demand visibility | Strong retail disbursements up 44% YoY. |
| Management confidence | High; citing 5x Gen-AI growth and blueprint progress. |
Growth
AUM grew 25% YoY to ₹1,06,940 Cr; Retail AUM up 32%. PAT surged 67% YoY to ₹461 Cr.
Outlook
Targeting 2x AUM in ~3 years and RoAUM >3%. Q4 FY27 RoAUM target set at 2.5%.
Risks
90+ DPD in rural micro-loans is volatile despite improvement; high dependence on unsecured segments for yield.
Last quarter's promises, checked
Delivered
- Guided consistent AUM growth → delivered 25% YoY growth (= BEAT)
- Guided opex-to-AUM reduction → delivered 3.5% vs 4.2% YoY (= BEAT)
- Guided increased leverage → delivered 3.7x vs 3.2x YoY (= BEAT)
Partly delivered
- Guided 200 gold loan branches by Mar 2027 → delivered 67 branches (= PARTIAL)
Investor Presentation filed with BSE, NSE: PIRAMALFIN. Summary written with AI assistance from the document.
Piramal Finance Ltd: key numbers
- Share price
- ₹2,102.40
- Market cap
- ₹49,875 Cr
- Revenue (annual)
- ₹11,852 Cr
- Net profit (annual)
- ₹1,504 Cr
- P/E (TTM)
- 26.3×Sector 20.8×
- Promoter holding
- 44.22%-1.94% QoQ
- FII holding
- 15.61%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Piramal Finance Ltd
All →Piramal Finance Employee Stock Options
Piramal Finance allotted 6,00,000 equity shares to its ESOP Trust under the 2025 employee scheme. Paid-up share capital rises to Rs 47,44,60,612 across 23,72,30,306 shares.
Piramal Finance Debt & Borrowing: ₹131.3 Cr
Piramal Finance Limited has redeemed secured NCDs worth ₹131.35 Crore upon maturity. The full redemption of ISIN INE140A07740 was completed on November 3, 2026.
- Value
- ₹131.3 Cr
Piramal Finance Debt & Borrowing: ₹28.47 Cr
Piramal Finance Ltd paid annual interest on four secured NCD series on 3 November 2026, totalling Rs.28.47 Crore. No delay or non-payment was reported.
- Value
- ₹28.47 Cr
Piramal Finance Debt & Borrowing: ₹159.8 Cr
Piramal Finance Limited has paid Rs.159.81 Crore towards interest and redemption of multiple Non-Convertible Debentures. This includes full redemption of ISIN INE140A07740 amounting to Rs.131.35 Crore.
- Value
- ₹159.8 Cr
Piramal Finance Debt & Borrowing: ₹228.3 Cr
Piramal Finance confirmed timely payment of ₹228.34 Cr annual interest on NCDs (ISIN INE202B07JW4). This is routine debt servicing on a ₹2,500 Cr issue.
- Value
- ₹228.3 Cr
Piramal Finance Annual General Meeting
Piramal Finance seeks shareholder approval via postal ballot to appoint Dinesh Kumar Khara as Independent Director. E-voting runs 30 October to 28 November 2026.