Press Release dated 16th July 2026, titled "Piramal Finance reports PAT of Rs. 461 crore in Q1 FY2027, up 67% YoY"
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 16 Jul 2026, 03:56 PM IST · BSE ID: 8caf3397-52b2-4075-84c1-813bc6f3114d
View Original BSE Filing (PDF)
💡
In Simple Terms
Piramal Finance's first-quarter profit jumped significantly, its loan book grew, and its board approved raising up to ₹ 4,000 Cr.
🤖 AI Summary
- Piramal Finance reported Profit After Tax (PAT) of ₹ 461 Cr in Q1 FY27, representing a 67% Year-on-Year increase.
- Assets Under Management (AUM) increased 25% YoY to ₹ 1,06,940 Cr, with Retail AUM growing 32% YoY to ₹ 91,249 Cr.
- Retail disbursements for the quarter rose 44% YoY to ₹ 12,527 Cr, supporting the overall AUM growth.
- The Board approved a fundraise of up to ₹ 4,000 Cr, to be raised post shareholder approval at an appropriate time.
- The company's nationwide footprint expanded to 780 branches, and its customer base grew 24% YoY to 6 million.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Profit After Tax (PAT)
₹ 461 Cr
67%
Assets Under Management (AUM)
₹ 1,06,940 Cr
25%
Retail AUM
₹ 91,249 Cr
32%
Retail Disbursements
₹ 12,527 Cr
44%
Net Interest Income
₹ 1,442 Cr
43%
🏢 How This Affects the Company
The growth in AUM, particularly retail AUM, and increased disbursements indicate an expanding business scale and market penetration. The expansion to 780 branches and 6 million customers strengthens its distribution and customer franchise.
Profit After Tax increased by 67% YoY to ₹ 461 Cr, alongside Net Income Margin expansion by 47 bps YoY to 6.5%. The approved fundraise of up to ₹ 4,000 Cr, upon execution, will enhance the company's capital base and liquidity.
Expansion to 780 branches and 607 cities reflects ongoing operational scale-up. AI adoption across underwriting, collections, and customer service is driving efficiency, with AI-driven monthly collections increasing nearly 12x to ₹ 1,019 Cr.
Asset quality remained stable with GNPA at 2.4% and NNPA at 1.6%. The deployment of AI agents flagged over 18 lakh fraud cases in Q1 FY27, enhancing fraud detection and potentially mitigating credit risk.
👥 What This Means For Shareholders
✅
Action Required
Shareholders are not required to take immediate action based on this financial results disclosure; however, they may need to approve the proposed fundraise when it is presented.
👤
Who Is Affected
Existing shareholders will be affected by the company's financial performance, including the 67% YoY PAT growth. The proposed fundraise could lead to equity dilution if executed through equity instruments, impacting per-share metrics.
🔍
Management Signal
The Board's decision to approve a fundraise of up to ₹ 4,000 Cr signals management's intent to strengthen the balance sheet and support future growth initiatives.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Shareholder meeting for fundraise approval — track announcement date.
Q2 FY27 results — evaluate sustained AUM and PAT growth.
Fundraise execution details — monitor quantum and instrument of capital raise.
LOW RISK
Financial results show strong growth and stable asset quality metrics.
💡 Investor Takeaway
Piramal Finance reported a Profit After Tax of ₹ 461 Cr in Q1 FY27, up 67% YoY, with Assets Under Management increasing 25% YoY to ₹ 1,06,940 Cr. The Board has approved a fundraise of up to ₹ 4,000 Cr, subject to shareholder approval.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax (PAT) grew 67% YoY to ₹ 461 Cr in Q1 FY27, indicating strong profitability expansion.
- Assets Under Management (AUM) increased 25% YoY to ₹ 1,06,940 Cr, driven by 32% YoY growth in Retail AUM to ₹ 91,249 Cr.
⚠️ Concerns
- Loan loss provisions and FV loss / (gain) increased by 127% YoY to ₹ 460 Cr in Q1 FY27.
- Profit after tax declined 8% QoQ from ₹ 502 Cr in Q4 FY26 to ₹ 461 Cr in Q1 FY27.
📅 Company Track Record
Piramal Finance's Board met on July 16, 2026, to consider Q1 FY27 results and fund-raising, as intimated on July 9, 2026. Prior to this, the board approved FY26 audited results and dividend on April 27, 2026. This filing follows the announced consideration of results and fund-raising.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Piramal Finance's Profit After Tax in Q1 FY27?
Piramal Finance reported a Profit After Tax (PAT) of ₹ 461 Cr for the first quarter ended June 30, 2026, marking a 67% increase Year-on-Year.
What is Piramal Finance's Assets Under Management (AUM) in Q1 FY27?
The company's Assets Under Management (AUM) reached ₹ 1,06,940 Cr in Q1 FY27, which is a 25% increase Year-on-Year.
How much fundraise did Piramal Finance's Board approve?
Piramal Finance's Board has approved a fundraise of up to ₹ 4,000 Cr, which will be executed at an appropriate time post shareholder approval.
What was the growth in Piramal Finance's Retail AUM in Q1 FY27?
Retail AUM for Piramal Finance grew 32% Year-on-Year, reaching ₹ 91,249 Cr in Q1 FY27, constituting 85% of total AUM.
What is Piramal Finance's asset quality as of Q1 FY27?
Piramal Finance maintained stable asset quality in Q1 FY27, with Gross Non-Performing Assets (GNPA) at 2.4% and Net Non-Performing Assets (NNPA) at 1.6%.
Questions based on this BSE filing only. For information purposes.