Key Quantitative Figures

  • Q1 FY27 Net Profit: ₹461 Crore (67% YoY increase from ₹276 Cr in Q1 FY26)
  • Total Income: ₹1,693 Crore (37% YoY increase from ₹1,237 Cr)
  • Pre-Provision Operating Profit (PPOP): ₹804 Crore (89% YoY increase from ₹425 Cr)
  • Retail AUM: ₹91,249 Crore (32% YoY growth)
  • Total AUM: ₹95,369 Crore (23% YoY growth from ₹77,572 Cr)
  • Gross Debt: ₹82,345 Crore
  • Capital Adequacy Ratio: 18.85% (vs 19.29% in Jun-25 and 19.77% in Mar-26)
  • GNPA Ratio: 2.4% (vs 2.8% in Jun-25)
  • NNPA Ratio: 1.6% (vs 2.0% in Jun-25)
  • Provision Coverage Ratio: 31.5% for Stage 3 assets
  • Total Provisions: ₹2,167 Crore
  • Branch Network: 780 branches across 607 cities in 26 states
  • Customer Franchise: 6 million customers (24% YoY growth)

Operational Highlights

Retail Lending Performance

  • Retail disbursements increased 44% YoY
  • Used car loans average ticket size: ₹6.8 lakh with yield of 15.5%
  • Gold loans average ticket size: ₹0.8 lakh with yield of 17.9%
  • Unsecured business loans average ticket size: ₹4.4 lakh with yield of 18.8%
  • Salaried personal loans average ticket size: ₹5.0 lakh with yield of 16.6%
  • 25-30% of unsecured disbursements came through cross-sell
  • 91% of retail AUM represented by customers acquired through urban branch network

Wholesale Lending Performance

  • Portfolio Effective Interest Rate (EIR): 14.2%
  • Repayments rate: 74% of disbursements
  • Received pre-payments worth ₹1,030 Cr in Q1 FY27
  • Total repayments of ₹1,932 Cr in the quarter
  • Since inception (Q2 FY22), disbursed ₹28,113 Cr across 419 loans and received total repayments of ₹14,841 Cr

AI Implementation (Piramal.ai)

  • Launched AI-powered investor relations agent Pia (Piramal Investor Assistant)
  • Use of Gen-AI grew more than 5x in the last year
  • Key AI metrics for Q1 FY27:
  • ₹33 Cr quarterly disbursements through voice bots
  • ₹1,019 Cr monthly collections through hands-free collections
  • 2,30,468 bank statements processed through AI for underwriting
  • 5,01,190 documents scanned for tampering and fraud through AI
  • 18,02,189 cases with fraud alerts given by AI agents
  • 37,47,847 documents identified for masking/Aadhaars masked
  • 43% inbound emails responded by AI
  • 32% customer onboarding done by bots

Capital Structure Impact

  • Earnings per share and book value per share data presented but specific values not quantified in the disclosure
  • No material changes to share capital structure disclosed

Forward-Looking Information

The presentation contains forward-looking statements subject to risks and uncertainties including:

  • Implementation of strategy
  • Growth and expansion plans
  • Regulatory approvals
  • Provisioning policies
  • Technological changes
  • Market risk exposure

Upcoming Events

  • Analyst/Institutional Investor Meeting scheduled for 21st September 2026 at Citi India Financials Investor Forum (Virtual)
  • Q1 FY27 earnings conference call scheduled for 16th July 2027