PIRAMAL FINANCE LIMITED

Piramal Finance Limited's Q1 FY27 investor presentation highlights strong growth in AUM and profitability. Total AUM reached ₹1,06,940 Cr, up 25% YoY, with retail AUM growing 32% YoY to ₹91,249 Cr. PAT increased 67% YoY to ₹461 Cr, with RoAUM at 1.9% for the growth business. Operational efficiency improved, with company cost-to-income at 52.5%, down from 65.6% in Q1 FY26. Asset quality remained stable, with GNPA at 2.4% and controlled credit costs. The retail segment showed declining opex-to-AUM ratios and strong disbursement growth. Wholesale lending AUM grew 27% YoY to ₹13,238 Cr, with robust repayment rates. The company emphasized AI integration, with Piramal.ai enhancing productivity, underwriting, and customer experience. Financials showed improved profitability, with consolidated net profit rising 67% YoY. The presentation also noted a 37% increase in total income and a 25% rise in operating expenses, alongside a 127% increase in loan loss provisions. The company aims to reduce opex by 25 bps and continues to expand its branch network, with 780 branches as of Q1 FY27. The document also includes a disclaimer about forward-looking statements and details for an upcoming earnings call on 16 July 2027.

The presentation emphasizes strong growth in AUM, profitability, and operational efficiency, with stable asset quality and strategic AI integration.