Piramal Finance debt investor roadshow: retail AUM USD 9.6 Bn, up 32% YoY, opex to AUM down to 3.5%
Retail AUM up 32% YoY to USD 9.6 Bn; FY26 consolidated PAT $159 Mn vs $51 Mn in FY25; opex to AUM at 3.5%.
By ScoutQuest · · 1 min read
- Retail AUM
- USD 9.6 Bn, up 32% YoY
- Consolidated PAT
- $159 Mn in FY26 against $51 Mn in FY25 and $49 Mn in Q1 FY27
- Opex to AUM
- 3.5%, fallen 300bps in three years
- Period
- Q1 FY27
- Positioning
- A leading, listed, diversified NBFC with prominent presence across retail and wholesale lending, alternatives and insurance, serving budget customers in Bharat markets.
📈 Retail AUM stands at USD 9.6 Bn, up 32% YoY, with mortgages (HL + LAP) at USD 6.4 Bn forming 67% of retail AUM. Consolidated PAT was $159 Mn in FY26 against $51 Mn in FY25 and $49 Mn in Q1 FY27; RoAUM on the growth business was 1.9% in Q1 FY27.
📌 The company describes itself as a diversified NBFC serving budget customers in Bharat markets through 780 branches across 607 cities and 26 states, with a secured core of HL, LAP and used car loans augmented by higher-yield business, salaried personal and digital loans.
🎯 Management states opex to AUM has fallen 300bps in three years to 3.5% and has entered its guided range, after a 25 bps reduction in opex guidance, and says it expects credit cost to remain range-bound in line with long-term guidance. Retail 90+ DPD is shown at 0.7%.
💰 Funding backing cited includes a US$815 Mn global debt raise in 2025, an inaugural $350Mn DFI funding, $221 Mn raised through QIP and a proposed $184 Mn preferential warrant allotment to the promoter group, plus rating upgrades by S&P to BB and Moody's to Ba2.
Also from Piramal Finance
Q2 FY27 call: AUM up 24% at INR1,13,112 crores, PAT up 67%; FY28 AUM aspiration INR1.5 lakh crores
23 Oct 2026
Piramal Finance shares rose on the back of a strong set of quarterly numbers
21 Oct 2026
Piramal Finance posts audio recording of 19 Oct 2026 conference call on Q2/H1 FY27 unaudited results
19 Oct 2026
More numbers
- Retail AUMUSD 9.6 Bn
- Retail AUM growth YoY32%
- Mortgages share of retail AUM67%
- Branches780
- Opex to AUM3.5%
- Retail 90+ DPD0.7%
- AUM yield excl. fees~13.6%
- Consol. PAT FY26 ($ Mn)159
- Consol. PAT Q1 FY27 ($ Mn)49
- RoAUM, Q1 FY271.9%
- Consol. NIM, Q1 FY276.5%
- Cost of borrowing, Q1 FY278.80%
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