Piramal Finance Limited (PIRAMALFIN) Financial Results — Revenue ₹1,693 Cr

Revenue: ₹1,693 CrNet Profit: ₹461 Cr

📢 Key Event
Piramal Finance reports 67% YoY net profit growth to Rs 461 crore in Q1 FY27 amid strong AUM expansion and capital raise plans.

🔄 What Changed
Net profit up 67% YoY to Rs 461 crore; cost-to-income ratio down to 53%; RoAUM growth improved to 1.9%; leverage target set at 4.5x-5x; Rs 4,000 crore fund raise proposed.

🔮 What's Next
RoAUM expected to rise from 1.8% to 2.5% by Q4 FY27; target leverage of 4.5x to 5x; capital raise to support growth; digital loan portfolio to scale with proactive risk monitoring.

💡 Investor Takeaway
Strong profit growth and AUM expansion signal improving efficiency and confidence in meeting FY27 targets, but capital raise is regulatory-driven, not leverage-motivated.

Piramal Finance reported a 67% YoY jump in net profit to Rs 461 crore for Q1 FY27, driven by 25% YoY AUM growth to Rs 1,06,940 crore and improved cost efficiency. Return on AUM rose to 1.9% from 1.5% a year ago, while cost-to-income ratio fell to 53% from 66%. The company proposed a Rs 4,000 crore fund raise to meet regulatory capital needs, targeting leverage of 4.5x to 5x. Credit quality remained stable with GNPA at 2.4% and NNPA at 1.6%. Management expects RoAUM to expand to 2.5% by Q4 FY27, supported by digital loan growth and branch expansion plans.

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