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Geopolitical disruption from Iran conflict
View Risks →Piramal Finance Ltd — Q4 FY26
Piramal Finance delivered a strong Q4 FY26, surpassing its FY26 targets.
bullish
high
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Piramal Finance delivered a strong Q4 FY26, surpassing its FY26 targets. Total AUM grew 25% YoY to ₹1,01,230 crore, driven by retail AUM growth of 33% YoY to ₹85,585 crore, now 85% of total AUM. The legacy wholesale book was reduced to just ₹2,87 crore (3% of AUM). Consolidated net profit for FY26 was ₹1,156 crore, a 3x YoY increase, exceeding the ₹1,300-1,500 crore target. The growth business ROAUM improved to 2.1% from 1.7% a year ago. Management guided for ~25% AUM growth and ~50% profit growth in FY27, targeting an exit ROAUM of 2.5%. Key risks include potential credit impact from the Iran conflict, which management is monitoring closely but has not yet materialized.
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Total AUM
₹1,01,230 Cr
+25% YoY
Total assets under management crossed ₹1 lakh crore milestone.
Retail AUM
₹85,585 Cr
+33% YoY
Retail AUM now forms 85% of total AUM, up from 66% four years ago.
Retail Customer Franchise
5.7 Mn
+22% YoY
Customer base crossed 5 million, with cross-sell contributing 30% of unsecured disbursements.
Gold Loan Branches
22
+22 branches QoQ
Launched gold loan business in Q4; plan to open 180 more branches in FY27.
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Guidance and risk preview
Management expects another year of approximately 25% growth in total AUM.
The ongoing war in the Middle East could impact vulnerable sectors like travel, logistics, textiles, and gems & jewelry, potentially leading to hig...
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