Piramal Finance Limited share price

Key numbers

Market cap

₹ 50,599 Cr

Current price

₹ 2,142.70

52-week high / low

₹ 2,326 / 1,260

Stock P/E

28.7

Book value

₹ 1,271.5

Dividend yield

0.51%

ROCE

1.4%

ROE

6.0%

Debt to equity

2.84

Sales growth (3 yrs)

16.9%

Profit growth (3 yrs)

-

1-year return

-

About Piramal Finance Limited

Piramal Finance Limited, a housing finance company, provides financing solutions to corporate and private customers in India. It offers housing loans, such as home, construction, and home renovation and extension loan; business loans, which include working capital loan, loan against property and secured business loan, as well as loans for growing business, consolidate business needs, and professionals; and real estate financing, corporate finance, emerging corporate lending, and capital markets and advisory services. Piramal Finance Limited was formerly known as Piramal Capital & Housing Finance Limited and changed its name to Piramal Finance Limited in March 2022. The company was incorporated in 1984 and is based in Mumbai, India.

Quarterly results

Consolidated figures in ₹ crores

Investor presentation summary (2026-09-23)

AI summary of the presentation · tone: Positive · source document

Key numbers

• Note: (*) Growth AUM include Retail and Wholesale AUM and exclude the discontinued Legacy business, Growth AUM are now 98% of total AUM.
• Retail opex-to-AUM 3.5%, continues to decline – down 66bps YoY | Company cost-to-income 52.5%, vs 65.6% in Q1 FY26

Guidance & outlook

• Note: (*) Others includes gold loans (₹ 6 Cr as of Q1 FY27), loan against mutual fund (LAMF) (₹ 1,514 Cr as of Q1 FY27), SRs (₹ 1,274 Cr as of Q1 FY27) & pass-through certificates (PTC) (₹ 84 Cr as of Q1 FY27)
• Note: (1) Interest Income includes DA upfront income of ₹ 85 Cr in Q1FY27 , ₹ 100 Cr in Q1FY26, and ₹ 120 Cr in Q4FY26; (2) In Q1 FY26, ECL rebalancing for the overall portfolio had a positive impact of about ₹ 105 Cr;

Growth & demand

• Our Growth AUM are scaling up at 32% YoY
• Stable asset quality: GNPA 2.4% (vs 2.8% in Q1 FY26) and stable Growth business credit cost 1.6%

Margins & costs

• 2 Interest expense Net income margin
• ₹40k for purchasing raw material

Capex & expansion

• Note: (*) Long range goals as disclosed in August 2023; (#) POCI (purchased or originated credit impaired) recoveries represent recover ies from the acquired stressed retail book from DHFL
• Customers acquired through urban branch network represent 91% of total retail AUM

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