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Rakesh Kumar

21st Jul · SEBI-Registered Analyst

PIRAMAL FINANCE Results Analysis-Q1FY27

!piramalfin Interest Earned for Q1FY27 is Rs. 3,085 Crs., 28.91% growth YoY, Net Interest Income is Rs. 1,696 Crs., 41.5% growth YoY, Total Income is Rs. 3,430 Crs., 27.49% growth YoY, Pre-Provisioning Operating Profit is Rs. 792 Crs., 104.36% growth YoY, PBT is Rs. 443 Crs., 47.18% growth YoY, Net profit is Rs. 461 Crs., 67% growth YoY. On QoQ basis Interest Earned has achieved 5.88% growth, Net Interest Income has negatively grown by 5.4%, Total Income has grown negatively by 1.06%, Pre-Provisioning Operating Profit turned loss of 642 to Profit 792 Cr., PBT grown negatively by 12.28%, PAT is grown negatively by 8.17% (due to exceptional gain of 1,326 Cr. in March-2026). AUM ₹1,06,940 Cr, up 25% YoY | Retail AUM ₹91,249 Cr, up 32% YoY For Q1FY27 Gross NPA 2.4% vs 2.8% in Q1FY26, Net NPA 1.6% vs 2% in Q1FY26. Improved asset quality with reduction in Gross NPA and Net NPA YoY. Consolidated NIM: 6.5% (flat QoQ; +47 bps YoY). “Growth AUM” (continuing businesses; excludes legacy/discontinued): +32% YoY; now ~98% of total AUM. Legacy book is down to ~2%. Management expects AA→AA+ upgrade to provide tailwinds to borrowing costs “over the coming years.”

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