Piramal Finance Limited (PIRAMALFIN) — Announcement

📢 Key Event
Piramal Finance targets ₹1.5 lakh crore AUM by FY28 amid AI-driven efficiency gains and upgraded credit ratings.

🔄 What Changed
Operating expense ratio down 74 bps YoY; credit ratings upgraded from BB- to Ba3 with Positive outlook

🔮 What's Next
Target 25% AUM growth and 50% profit growth for FY27; RoAUM >3% target

💡 Investor Takeaway
Shareholders gain confidence in scalable retail growth, improving margins, and strengthened credit profile supporting long-term value creation.

⚠️ Risks
None explicitly flagged

Piramal Finance Limited announced its investor presentation detailing a strategic push toward ₹1.5 lakh crore AUM by FY28, driven by 25% YoY growth and a 33% surge in retail AUM to ₹85,885 Cr in Q4 FY26. The company highlighted AI adoption (59% of code written by AI), upgraded credit ratings (BB to Ba3 with Positive outlook), and improved efficiency with operating expenses down 74 bps YoY to 3.6% of AUM. Consolidated PAT rose 390% YoY to ₹502 Cr, supported by a 290 bps reduction in opex-to-AUM ratio and a 0.6% 90+ DPD rate. Urban branch expansion reached 404 locations across 26 states, with cross-sell contributing 25-30% of unsecured disbursements. The presentation underscores a focus on scalable retail lending, data-driven underwriting, and ESG-aligned growth, positioning the firm for sustained profitability and margin expansion.

📄 View Original Announcement (PDF)

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