# Piramal Finance Limited 已向孟買證券交易所及印度國家證券交易所提交 2025-26 財政年度綜合年報。 *fintech, genai · news · 2026-06-10 · scanx.trade* ## Key points - Piramal Finance 於 2026 財政年度完成 Piramal Enterprises Limited 的反向合併。 - 零售資產管理規模現佔總資產管理規模的 85%，傳統批發組合幾乎完全清理。 - Piramal Finance 在 2026 財政年度獲得主要國內信用評級機構多次升級至 AA+。 - 2026 財政年度 GenAI 代幣交易量增至三倍，第四季使用代幣達 1780 億，超過 50 個應用案例上線。 - Piramal Finance 目標 2027 財政年度資產管理規模增長 25%、利潤增長 50%，並計劃於 2028 年 3 月達到 ₹1.5 萬億資產管理規模。 Piramal Finance Limited has submitted its Integrated Annual Report for the financial year 2025-26 to BSE Limited and the National Stock Exchange of India Limited, pursuant to Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The report accompanies the Notice of the 42nd Annual General Meeting, scheduled to be held on Thursday, July 2, 2026, at 10:30 a.m. IST through Video Conferencing or Other Audio-Visual Means. Key Meeting and Dividend Details The Integrated Annual Report and AGM Notice have been dispatched electronically to members whose email addresses are registered with the company, its Depository Participants, or its Registrar and Share Transfer Agent, MUFG Intime India Private Limited. Members without registered email addresses will receive a physical communication containing a web link and QR Code to access the reports. National Securities Depository Limited has been engaged to facilitate remote e-voting and e-voting during the AGM. Parameter: Details 42nd AGM Date: Thursday, July 2, 2026 Time: 10:30 a.m. IST Mode: Video Conferencing / Other Audio-Visual Means Record Date (Dividend): Friday, June 12, 2026 Proposed Final Dividend: ₹11 per equity share (face value ₹2 each) Dividend Payment Date: On or after Friday, July 3, 2026 FY2026 Financial and Operational Highlights FY2026 marked a defining year for Piramal Finance, with the company crossing the ₹1 lakh crore Total AUM milestone and completing the reverse merger of Piramal Enterprises Limited into Piramal Finance Limited. The company reported consolidated Profit After Tax of ₹1,506 crore in FY2026, compared to ₹485 crore in FY2025 — a nearly 3x increase. Total Income on a consolidated basis rose 22% year-on-year to ₹5,601 crore. The company was listed as an independent RBI-governed Upper Layer NBFC on the stock exchanges in November 2025. Metric: FY2026 FY2025 Total AUM: ₹1,01,230 crore ₹80,689 crore Consolidated PAT: ₹1,506 crore ₹485 crore Total Income (Consolidated): ₹12,031.60 crore ₹10,611.86 crore Net Worth: ₹28,191 crore ₹27,096 crore Retail AUM: ₹85,885 crore ₹64,652 crore Wholesale 2.0 AUM: ₹12,538 crore ₹9,117 crore Legacy AUM: ₹2,807 crore ₹6,920 crore Capital Adequacy Ratio: 19.77% 23.46% Gross NPA Ratio: 2.30% 2.80% Net NPA Ratio: 1.60% 1.90% Portfolio Transformation and Credit Ratings The Growth:Legacy AUM mix improved to 97:3 in FY2026 from 91:9 in FY2025, reflecting the near-complete rundown of the legacy wholesale portfolio. Retail AUM grew 33% year-on-year, now constituting 85% of total AUM. The Wholesale 2.0 book grew 38% year-on-year to ₹12,538 crore with zero NPAs. The company's retail opex-to-AUM ratio improved to 3.6% from a peak of 6.5%, and Net Interest Margin reached 6.5% in Q4. During Q4FY26, the Growth business Return on AUM crossed 2%. Multiple credit rating upgrades were received during the year. CRISIL initiated coverage and assigned an AA+ long-term debt rating, while ICRA and CARE upgraded their domestic long-term debt ratings to AA+ from AA. S&P Global upgraded the international rating to BB from BB-, and Moody's revised the outlook to Positive while affirming the rating at Ba3. Rating Agency: Rating / Action CRISIL: AA+ (Stable) — New Initiation ICRA: Upgraded to AA+ (Stable) from AA CARE: Upgraded to AA+ (Stable) from AA S&P Global: Upgraded to BB (Stable) from BB- Moody's: Ba3 / Positive (Outlook revised from Stable) AI-Native Strategy and Distribution Expansion The company describes itself as an AI-Native NBFC, with GenAI usage expanding more than 3x during FY2026, with token volume reaching 178 billion in Q4. Operations productivity nearly doubled over the last two years with largely stable headcount. Key AI outcomes in Q4FY26 included over 50 GenAI use cases live, 1.99 lakh bank statements analysed through AI, ₹834 crore in monthly hands-free AI-led collections, and 19 lakh+ fraud alerts flagged by AI agents. The company has a team of 300+ product engineers and 200+ AI scientists. The branch network expanded to 701 branches across 568 cities in 26 states, including 136 rural branches. Disbursements per branch increased from ₹66 crore to ₹79 crore, and disbursements per employee rose from ₹2.4 crore to ₹2.7 crore. Customer complaints per thousand customers declined to 0.3. FY2027 Outlook For FY2027, the company is targeting approximately 25% AUM growth and approximately 50% profit growth, with projected RoAUM for the exit quarter (Q4FY27) expected to reach approximately 2.5%. The long-range goal remains achieving ₹1.5 lakh crore AUM by March 2028. The Integrated Annual Report along with the AGM Notice is available on the company's website at https://www.piramalfinance.com/investor-corner/financial-reports . Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE202B01038/26fca68f-5929-44f7-b971-79312a480b71.pdf We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better. Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians. As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. 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By using this website, you acknowledge and agree that the use of AI-generated content involves inherent limitations, uncertainties and inaccuracies, and you accept full responsibility for how you interpret and use the information provided. We reserve the right to modify, update, or remove content and this disclaimer at any time without prior notice. **Companies:** Piramal Finance Limited **Countries:** India [Read the full story on scanx.trade](https://scanx.trade/stock-market-news/companies/piramal-finance-schedules-42nd-agm-for-july-2-2026/42548520) --- Canonical: https://newsio.io/zh-TW/n/400832f8-3787-4b48-9085-e44f1630483f/piramal-finance-limited-2025-26 Summarized by Newsio from scanx.trade. https://newsio.io/how-it-works