PIRAMALFIN · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Piramal Finance has crossed ₹1,00,000 Cr in total AUM (₹1,01,230 Cr) in FY26, up 25% YoY. The company has successfully transformed its business mix with retail now forming 85% of total AUM, up from 80% a year ago. FY26 consolidated PAT came in at ₹1,506 Cr, up 210% YoY, with Q4 PAT at ₹502 Cr. The legacy (discontinued) book has shrunk dramatically to ₹2,807 Cr representing less than 3% of total AUM. Profitability metrics show growth business RoAUM at 2.1% for Q4 FY26, up 36bps YoY. The company received credit rating upgrades with CRISIL, ICRA and CARE assigning AA+ to domestic long-term debt, while S&P upgraded international rating to BB. FY27 targets include 25% AUM growth and ~50% PAT growth.
The presentation signals strong execution on the retail transformation strategy with improving profitability, stable asset quality (GNPA at 2.3%), and expanding margins. The FY27 guidance of 50% PAT growth and 2.5% RoAUM indicates continued momentum. Strong liquidity (LCR at 450%) and capital adequacy (19.8%) provide capacity for further growth.