Piramal Finance (PIRAMALFIN) Investor presentation summary

Strategic vision and value creation

• Targeting to double AUM to ₹1.5 lakh Cr by Mar 2028, with ROAUM >3% and AUM-to-equity of 4.5-5.0x, focusing on stable risk and steady earnings.

• Leveraging AI across underwriting, growth, customer experience, productivity, and code development, with AI usage tripling in FY26.

Business transformation and growth

• Completed transition to a retail-led model, with retail now 85% of total AUM and legacy AUM reduced to less than 3%.

• Total AUM crossed ₹1,01,230 Cr, up 25% YoY, with growth AUM up 33% YoY and legacy AUM down 59% YoY.

• Branch network expanded to 701, supporting rapid retail scale-up and improved productivity.

Financial performance and outlook

• FY26 PAT reached ₹1,506 Cr, up 210% YoY, with growth business PBT at ₹1,560 Cr.

• ROAUM for growth business at 2.1% in Q4 FY26, with NIM at 6.5% and opex-to-AUM for retail at 3.6%.

• FY27 targets include 25% AUM growth and 50% profit growth, aiming for 2.5% ROAUM.