| 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
- ₹2,142.70
- Market cap
- ₹50,703 Cr
- Revenue (annual)
- ₹11,852 Cr
- Net profit (annual)
- ₹1,504 Cr
- P/E (TTM)
- 30.1×Sector 22.0×
- Promoter holding
- 44.22%-1.94% QoQ
- FII holding
- 15.72%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 Debt & Borrowing: ₹462.1 Cr
Piramal Finance Limited successfully processed a partial face value redemption of its Secured Rated Listed Redeemable NCDs on September 25, 2026. The redeemed amount is ₹462.07 Crore.
- Value
- ₹462.1 Cr
Piramal Finance Debt & Borrowing: ₹487.4 Cr
Piramal Finance Ltd successfully paid Rs.487.42 Crore in interest on its secured NCDs. This disclosure confirms fulfilment of the company's debt servicing obligations.
- Value
- ₹487.4 Cr
Piramal Finance Debt & Borrowing: ₹949.5 Cr
Piramal Finance made interest and partial redemption payments totaling ₹949.49 Crore for its Non-Convertible Debentures (ISIN: INE516Y07444) ahead of schedule due to a bank strike.
- Value
- ₹949.5 Cr
Piramal Finance Business Update
Piramal Finance disclosed FY26 insurance commission income of Rs. 200 Crore and discussed potential impacts of recent IRDAI draft regulations on future insurance distribution economics.
Piramal Finance Debt & Borrowing: ₹6.22 Cr
Piramal Finance certified timely interest payment of ₹6.22 Crore on two NCD tranches under Reg 57. Monthly coupon payments were made on 21 September 2026.
- Value
- ₹6.22 Cr
Piramal Finance Debt & Borrowing
Piramal Finance Limited allotted Non-Convertible Debentures to investors on 21 September 2026. The filing does not disclose the specific allotment size or pricing details.