Piramal Finance Limited · NSE:PIRAMALFIN
Piramal Finance — Investor Presentation (July 2026)
12 slides from Piramal Finance's investor presentation, July 2026
Slide 1: Piramal Finance Limited Corporate Presentation
Piramal Finance Limited Corporate Presentation July 2026
Slide 2: Our blueprint for value creation
Our blueprint for value creation Consol Profit (₹mn) and Net Stage 3 Loans (%) Total AUM, YoY growth Growth 1.85% 1.60% 1.64% 15,061 25% 25% Profitability 17% 4,854 4,610 Predictability FY25 FY26 Q1 FY27 FY25 FY26 Q1 FY27 Build a future-proof, AI-native company 2
Slide 3: Board comprises industry leaders and is backed by strong management team
Board comprises industry leaders and is backed by Illustrative strong examples management team KMP / SMP Shikha Sanjaya Asheet Lalit Mehta Anand Piramal Rajiv Mehrishi Non-Executive Sharma Non-Executive Chairman Independent Director Rupen Jhaveri Independent Director Non-Executive Non- Independent D
Slide 4: Business snapshot (as of June 30, 2026)
Business snapshot (as of June 30, 2026) 2.3% AUM ₹1,069,396 Mn 12.4% Retail AUM mix Wholesale 2.0 Jun-26 Q1 FY27 ₹4,610 Mn Legacy Consol PAT 85.3% Net worth ₹289,062 Mn 22% Promoters Debt to equity: 2.8 x Mutual Funds Shareholding 46% Insurance Companies mix Q1 FY27 annualised 15% Jun-26 Foreign Por
Slide 5: Agile tech framework integrated with 'High Tech / High Touch' model
Agile tech framework integrated with ‘High Tech / High Touch’ model Home loan Sales and Underwriting (u/w) Eligibility checks Monitoring Collections as an example Sourcing and sanction D A High Touch G C High Tech B C E F A. Strong branch A B. Parameterized B High Tech and High Touch are E. Real tim
Slide 6: Proprietary artificial intelligence platform - Piramal.ai
Proprietary artificial intelligence platform - Piramal.ai Technology and AI are central to our operative model AI across lending value chain Key AI tools Arya1 Internally developed AI everyday assistant, coach, and work companion Origination Operations Intended solely for employee use to assist with
Slide 7: Liabilities
Liabilities Average cost Of borrowings Borrowing by instrument type As of Jun‘26 8.92% Term Loans 0.8% 6.5% 0.3% NCDs / Bonds 8.78% 14.5% ECBs 40.6% Securitised Borrowings 8.58% Commercial Paper 37.3% 2 Others 1 FY25 FY26 Q1FY27 New long-term ratings Domestic International S&P: BB (Long-term issuer
Slide 8: Financials
Financials 8
Slide 9: Key P&L Line Items – consolidated
Key P&L Line Items – consolidated In ₹ Mn Consolidated income statement Q1 FY27 FY26 FY25 Interest Income 30,855 106,232 84,614 Non-Interest Income 3,441 14,084 21,505 Total Income 34,295 120,316 106,119 Financing Cost 17,363 63,902 53,174 Total Expenses 30,854 120,828 101,036 Share of Net Profit of
Slide 10: Key Balance Sheet Line Items – consolidated
Key Balance Sheet Line Items – consolidated In ₹ Mn Consolidated balance sheet Mar-26 Mar-25 Loans 848,380 657,912 Investments 98,138 125,387 Total Assets 1,105,465 949,434 Total Borrowings 799,892 655,766 Total Equity 281,915 270,959 10
Slide 11: Glossary
Glossary Term Description Aggregate of principal outstanding of loan portfolio originated by our Company (including assignees’ share of loan portfolio transferred under direct AUM assignment and co-lending transactions) and loan portfolio purchased under direct assignment, as on last day of the rele
Slide 12: Disclaimer
Disclaimer PLEASE READ THIS DISCLAIMER CAREFULLY AND AGREE WITH THE TERMS AND CONDITIONS OF THIS DISCLAIMER BEFORE CONTINUING. IT APPLIES TO ALL PERSONS WHO VIEW THIS. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR I