• Type of Event: The disclosure intimates a schedule for an Analyst/Institutional Investor Meeting. The specific event is the 'JM Financial India Finance Forum', characterized as an interaction with an 'Investor Group'.
  • Date and Time: The meeting is scheduled for 23rd June 2026. The specific time and time zone are not mentioned in the provided data.
  • Stated Purpose: The purpose of the event is not explicitly stated beyond being an Analyst/Institutional Investor Meeting. The enclosed investor presentation focuses on Q4 and full-year FY26 results and business updates.
  • Earnings Announcement Timing: The relationship to an earnings announcement is not explicitly stated. However, the enclosed presentation is heavily focused on Q4 and FY26 financial results, indicating the meeting is likely a post-results interaction.
  • Management Participants: No specific management participants or their designations are listed in the intimation letter. The investor presentation deck lists key management figures including Anand Piramal (Executive Chairman), Jairam Sridharan (MD & CEO), Yesh Nadkarni (CEO, Wholesale Lending), Kalpesh Kikani (CEO, Piramal Alternatives), Rupen Jhaveri (Group President), and Vikash Singhla (CFO), but their participation in this specific meet is not confirmed.
  • Availability of Materials: The company has enclosed the investor presentation that is to be made at the conference. There is no mention of a transcript or recording being made available post-event.
  • UPSI Statement: The document does not contain any specific compliance language indicating that no unpublished price sensitive information (UPSI) will be shared.

Financial and Business Highlights from Enclosed Presentation

The enclosed investor presentation for May 2026 contains extensive financial and operational data for Q4 and Full Year FY26:

Performance Highlights:

  • Total AUM reached ₹1,01,230 Cr, up 25% YoY. Growth AUM (Retail + Wholesale 2.0) was up 33% YoY and constitutes 97% of total AUM. Legacy AUM is now less than 3% of total AUM.
  • Consolidated NIM for Q4 FY26 was 6.5%, up 14 bps YoY and 23 bps QoQ.
  • Retail opex-to-AUM was 3.6% in Q4 FY26, down 74 bps YoY and 21 bps QoQ.
  • Asset Quality: Total GNPA was 2.3%, down 32 bps QoQ. Q4 FY26 Growth business credit cost was largely flat QoQ at 1.5%.
  • Profitability: Growth business RoAUM was 2.1% in Q4 FY26. Growth business PBT for FY26 was ₹1,560 Cr. Consolidated Net Profit for FY26 was ₹1,506 Cr, up 210% YoY.
  • Leverage & Liquidity: AUM/Equity stood at 3.6x. The company held cash & equivalents of ₹8,640 Cr (8% of assets) and reported a Q4 FY26 average LCR of 450%.

Strategic & Operational Updates:

  • Retail Business: Retail AUM grew 33% YoY. The branch network expanded to 701 branches. Cross-sell accounted for 25-30% of unsecured disbursements.
  • Wholesale 2.0 Business: Disbursements for Q4 FY26 were ₹3,347 Cr. The portfolio EIR was steady QoQ at 14.4%.
  • Piramal.ai (Gen-AI): Use of Gen-AI tools grew more than 3x in FY26, with 15 specific use cases detailed across sales, underwriting, collections, and operations.
  • Credit Ratings: The company received multiple upgrades: CRISIL, ICRA & Care upgraded domestic long-term debt to 'AA+'; S&P upgraded international rating to 'BB'; Moody's revised outlook to 'Positive' (affirmed at 'Ba3').
  • Capital & Tax: The company has assessed carry forward tax losses of ₹24,600 Cr. It secured USD $350mn inaugural DFI funding from IFC & ADB.
  • FY27 Outlook: The company is targeting 25% growth in AUM and 50% growth in profits for FY27.

Additional Notes Section

  • Attachments: The intimation letter confirms that the investor presentation to be made at the conference was enclosed with the disclosure.
  • Financial Data Disclosure: This regulatory intimation itself did not disclose financial figures. However, it served as a conduit to release the detailed investor presentation, which contained comprehensive financial data for Q4 and FY26.