Investor Presentation

Here's a summary of Piramal Finance Limited's Q1 FY27 performance: **Business Performance:** * Total Assets Under Management (AUM) grew 25% YoY to ₹1,06,940 Cr. * Retail AUM surged 32% YoY to ₹91,249 Cr, now forming 85% of the total AUM. * Wholesale lending AUM increased 27% YoY to ₹13,238 Cr. **Growth Drivers & Strategy:** * The company continues to focus on scaling its retail lending business, which has seen rapid growth from ₹20,000 Cr to ₹90,000 Cr in about four years. * Significant investment in AI-powered solutions is a key strategic initiative, with AI now writing 57% of the overall code, enhancing productivity and customer experience. **Key Financial Metrics:** * Profit After Tax (PAT) grew an impressive 67% YoY to ₹461 Cr. * Growth business RoAUM (Return on Average Assets Under Management) stood at 1.9%, up from 1.5% YoY. * Net Interest Margin (NIM) was reported at 6.5%, up 47bps YoY. **Management Commentary / Outlook:** * The company highlights a stable asset quality with GNPA at 2.4% and controlled credit costs. * Operating expenses as a percentage of AUM continue to decline, with the company-led cost-to-income ratio at 52.5%.