Piramal Enterprises Q1 FY26 Earnings Results: PAT Surges 52% YoY to ₹276 Crore

Piramal Enterprises Ltd (PEL), a top NBFC, announced a 52% jump in profit after tax (PAT) to ₹276 crore for the quarter ended June 30, 2025. This was supported by strong growth in its retail and wholesale lending businesses and improved asset quality.

Piramal Enterprises Q1 FY26 Earnings: Strong AUM Growth

• Total Assets Under Management (AUM) increased 22% YoY to ₹85,756 crore.
• Retail AUM rose 37% YoY to ₹69,005 crore, making up 80% of total AUM.
• Growth AUM stood at ₹79,430 crore, up 38% YoY.
• Legacy AUM, now only 7% of total, dropped 51% YoY.

Improved Profitability

• Net Interest Margin (NIM) expanded to 5.9%.
• Profit before tax (PBT) was ₹301 crore, with ₹295 crore from the growth business.
• Credit costs fell to 1.4% vs. 1.8% last quarter.
• Gross NPAs at 2.8%; Net NPAs at 2.0%.

Retail Lending Highlights

• Mortgage AUM: ₹47,101 crore (68% of Retail AUM).
• Mortgage disbursements up 50% YoY to ₹5,033 crore.
• Cross-sell accounted for 26% of unsecured and 9% of total disbursements.
• 517 branches across 428 cities; 4.8 million customers.

Liquidity & Liabilities

• Networth: ₹27,174 crore.
• Liquidity: ₹9,070 crore in cash & liquid investments.
• Borrowing cost easing at 9.12%.
• Fixed to floating debt ratio at 54:46.
• Well-managed ALM with positive gaps.

About Piramal Enterprises

PEL is a diversified NBFC with operations across retail and wholesale lending. With assets worth ~$10 billion, it uses AI-powered platforms to deliver tailored financial solutions across sectors.

Read More: Key Financial Changes from August 2025: UPI Rules, Repo Market Timings and More.

Piramal Enterprises Share Price Movement

As of July 29, 2025, Piramal Enterprises share price (NSE: PEL) is trading at ₹1,300.00, reflecting a gain of ₹4.20 or 0.32% for the day. The stock opened at ₹1,297.70 and moved between a low of ₹1,275.30 and a high of ₹1,304.30 during the trading session. The company has a market capitalisation of ₹29,280 crore, a price-to-earnings (P/E) ratio of 60.94, and offers a dividend yield of 0.85%. The stock's 52-week high is ₹1,351.00 and the 52-week low is ₹848.25. The quarterly dividend amount declared is ₹2.76 per share.

Conclusion

Piramal Enterprises started FY26 with robust growth, reflecting the success of its retail-heavy strategy, tech-driven efficiency, and strong asset quality. With the upcoming PEL-PFL merger and continued digital focus, the company is well-positioned to sustain long-term growth and create lasting value for stakeholders.

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