Key Quantitative Figures

Financial Performance (Consolidated, ₹ crore)

  • Net Profit: ₹461 crore in Q1 FY27, representing 67% YoY growth (vs ₹276 crore in Q1 FY26)
  • Total Income: ₹1,693 crore in Q1 FY27, representing 37% YoY growth (vs ₹1,237 crore in Q1 FY26)
  • Pre-provision Operating Profit (PPOP): ₹804 crore in Q1 FY27 (vs ₹425 crore in Q1 FY26)
  • Loan Loss Provisions: ₹460 crore in Q1 FY27 (vs ₹202 crore in Q1 FY26)
  • Operating Expenses: ₹889 crore in Q1 FY27, up 10% YoY

AUM and Business Metrics

  • Total AUM: ₹95,369 crore as of June 2026
  • Retail AUM: ₹91,249 crore, up 32% YoY
  • Retail Disbursements: Up 44% YoY
  • Wholesale Portfolio EIR: 14.2%
  • Wholesale Repayments: 74% of disbursements in Q1 FY27 (₹1,932 crore repayments)
  • Wholesale Pre-payments: ₹1,030 crore in Q1 FY27
  • Since inception (Q2 FY22) wholesale disbursements: ₹28,113 crore across 419 loans
  • Total wholesale repayments since inception: ₹14,841 crore

Asset Quality

  • Gross NPA Ratio: 2.4% (vs 2.8% in June 2025)
  • Net NPA Ratio: 1.6% (vs 2.0% in June 2025)
  • Provision Coverage Ratio: Stage 1: 1.2%, Stage 2: 15.9%, Stage 3: 31.5%
  • Total Provisions: ₹2,167 crore
  • Wholesale Stage 2+3 Assets: <0.2% of portfolio

Capital Structure

  • Capital Adequacy: 18.85% as of June 2026 (vs 19.29% in June 2025)
  • Gross Debt: ₹82,345 crore
  • Net Worth: ₹28,906 crore

Operational Metrics

  • Branch Network: 780 branches across 607 cities in 26 states
  • Customer Franchise: 6 million customers, up 24% YoY
  • Cross-sell Contribution: 25-30% of unsecured disbursements

AI Implementation Highlights

Piramal Finance launched "Pia" (Piramal Investor Assistant), an AI-powered investor relations agent available at https://www.piramalfinance.com/investors. Gen-AI usage grew more than 5x in the last year with specific implementations:

  • Credit Manager Productivity: ~50% increase in last 2 years
  • Voice AI Disbursements: ₹33 crore quarterly through voice bots
  • AI Bank Statement Analysis: 230,468 statements processed in Q1 FY27
  • Hands-free Collections: ₹1,019 crore monthly collections
  • AI-enabled Hiring: 4,366 RMs interviewed by AI
  • Document Fraud Intelligence: 501,190 documents scanned for tampering

Scheduled Events

Analyst/Institutional Investor Meeting:

  • Date: 28th September 2026
  • Event: Nuvama Emerging India CEO Forum
  • Interaction with: Investor Group
  • Venue: Mumbai
  • Note: Date subject to change due to exigencies

Additional Information

  • Historical information for Q1 FY26 and before pertains to Piramal Enterprises before the merger with Piramal Finance in September 2025
  • Legacy AUM now represents ~2% of total AUM
  • The company maintains positive ALM gaps throughout the maturity profile
  • Earnings conference call was scheduled for 16 July 2027 with international dial-in options