Piramal Finance Limited is an Indian non-banking financial company (NBFC) that provides financial products and lending services to individuals, families and businesses. The company operates in different segments, including home loans, personal loans, business loans and other financial services.
The Piramal Finance share price attracts investors interested in India’s financial services sector. The company’s performance depends on loan growth, profitability, asset quality, interest rates and demand for credit.
This article explains Piramal Finance, its business model, financial performance, growth opportunities and important factors investors should consider.
Piramal Finance Company Overview
Piramal Finance Limited is part of the Piramal Group. The company was formerly known as Piramal Capital and Housing Finance.
It focuses on providing financial services to customers across different income groups and business categories.
Its major business activities include:
- Home loans
- Personal loans
- Business loans
- Loan against property
- Small business finance
- Affordable housing finance
- Wholesale lending
- Other retail financial products
The company has been expanding its retail lending business to increase its customer base and strengthen its position in India’s NBFC industry.
Piramal Finance Share Market Details
Investors can identify the company’s shares using the following details.
| Particular | Information |
|---|---|
| Company name | Piramal Finance Limited |
| NSE symbol | PIRAMALFIN |
| BSE code | 544597 |
| Industry | Financial Services |
| Business category | NBFC |
| Main business | Lending and financial services |
| Listing year | 2025 |
Piramal Finance Share Price Today
The Piramal Finance share price changes according to market demand, company performance and broader stock market conditions.
For historical context, the NSE recorded a closing price of ₹2,036.30 on 13 October 2026. This is not a live quote for 11 November 2026.
Investors should examine the latest trading price, daily movement, trading volume and 52-week range before making investment decisions.
Latest Financial Performance of Piramal Finance
Piramal Finance reported encouraging financial performance for Q2 FY27, covering the quarter ended September 30, 2026.
Important consolidated financial highlights included:
| Financial Indicator | Q2 FY27 |
|---|---|
| Total income | ₹1,767 crore |
| Net interest income | ₹1,530 crore |
| Profit before tax | ₹580 crore |
| Net profit | ₹545 crore |
| Assets under management | ₹1,13,112 crore |
| Retail AUM | ₹97,462 crore |
| Year-on-year net profit growth | 67% |
| Year-on-year AUM growth | 24% |
The company’s consolidated net profit increased by 67% compared with the corresponding quarter of the previous financial year.
Its assets under management also increased, supported by growth in retail lending. The company reported retail disbursements of ₹14,646 crore during the quarter.
These figures indicate positive business momentum, although investors should also examine credit costs, operating expenses and asset quality.
Piramal Finance Business Model
Piramal Finance generates income mainly through lending activities. It provides loans to customers and earns interest on the amount borrowed.
Retail Lending
Retail lending is an important part of the company’s business strategy. It provides financial products to individuals and households for different personal and financial needs.
Housing Finance
Housing finance helps eligible customers purchase residential properties or meet other housing-related requirements.
Business Loans
Business loans provide financial support to small businesses and entrepreneurs. Customers may use these loans for working capital, business expansion and other requirements.
Loan Against Property
Under this product, eligible customers can borrow money by using residential or commercial property as security.
Wholesale Lending
Wholesale lending involves providing finance to larger businesses and commercial customers. This segment has a different risk profile from retail lending.
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Factors Affecting Piramal Finance Share Price
Financial Results
Quarterly and annual financial results can influence investor confidence.
Revenue growth, net profit, earnings per share and operating efficiency are important indicators when analysing the company’s performance.
Loan Portfolio Growth
Growth in assets under management indicates an expansion in the company’s lending activities.
However, rapid loan growth should be supported by responsible lending practices and effective credit assessment.
Asset Quality
Asset quality shows how effectively the company manages its loan portfolio.
Investors should examine:
- Gross non-performing assets
- Net non-performing assets
- Loan recovery performance
- Credit costs
- Loan loss provisions
- Delinquency levels
Good asset quality can support sustainable profitability.
Interest Rates
Interest rates influence borrowing costs and lending margins. Higher funding costs may affect profitability if the company cannot adjust its lending rates appropriately.
Competition
Piramal Finance competes with banks and other NBFCs. Competition may influence loan interest rates, customer acquisition costs and business growth.
Growth Opportunities for Piramal Finance
Expansion of Retail Lending
The company is focusing on expanding its retail lending operations. Increasing demand for personal, housing and business loans may create additional opportunities.
Affordable Housing Finance
Affordable housing finance can help the company reach customers looking for financial assistance to purchase residential properties.
Digital Transformation
Digital technology can improve loan applications, customer verification, repayment processes and operational efficiency.
Expansion Across India
Piramal Finance has been increasing its presence across Indian cities and states. A wider branch network can help the company reach more customers.
Stronger Capital Position
The company raised ₹3,850 crore through a qualified institutional placement and a preferential allotment of warrants in October 2026. Additional capital can support its retail-led growth plans, although investors should also consider the effect of new shares and warrants on existing shareholders.
Risks Associated With Piramal Finance Shares
Investing in financial companies involves different types of risks.
Credit risk: Customers may fail to repay loans, resulting in higher bad loans and financial losses.
Interest rate risk: Changes in borrowing costs can affect profit margins.
Regulatory risk: Changes in NBFC regulations may affect lending operations and compliance expenses.
Competition risk: Banks and other financial companies compete for customers.
Economic slowdown: Weak economic conditions may reduce loan demand and affect customers’ repayment capacity.
Market volatility: Overall stock market movements can influence the share price.
Investors should understand these risks before making investment decisions.
Is Piramal Finance Share Good for Long-Term Investment?
Piramal Finance may attract long-term investors because of its expanding retail lending business and diversified financial products.
Its Q2 FY27 results showed growth in consolidated profit and assets under management. However, investors should not rely only on recent profit growth when evaluating the stock.
Important factors to examine include:
- Long-term earnings growth
- Retail loan portfolio expansion
- Asset quality
- Return on assets
- Return on equity
- Borrowing costs
- Capital adequacy
- Share valuation
A careful comparison with other NBFCs can help investors understand the company’s financial position and market valuation.
Future Outlook of Piramal Finance
The future outlook of Piramal Finance will depend on its ability to expand retail lending, maintain asset quality and generate sustainable profits.
The company’s increasing focus on retail customers, digital services and nationwide expansion may support its business development.
Its Q2 FY27 results showed a 67% increase in consolidated net profit and 24% growth in assets under management. These results reflect positive recent performance, but future growth will depend on economic conditions, competition and effective risk management.
Investors should monitor upcoming financial results to understand whether the company can maintain this momentum.
Frequently Asked Questions
What is Piramal Finance?
Piramal Finance is an Indian non-banking financial company that provides loans and financial services to individuals and businesses.
What is the NSE symbol of Piramal Finance?
The NSE trading symbol of Piramal Finance Limited is PIRAMALFIN.
What is the BSE code of Piramal Finance?
The BSE code of Piramal Finance Limited is 544597.
Is Piramal Finance a bank?
No. Piramal Finance is a non-banking financial company, commonly known as an NBFC.
What is the main business of Piramal Finance?
Its main business is lending, including housing loans, personal loans, business loans and loan against property.
Conclusion
Piramal Finance is an established Indian NBFC with lending operations across housing finance, personal loans, business finance and other financial products.
The Piramal Finance share price is influenced by financial performance, loan growth, asset quality, interest rates and market conditions. Its Q2 FY27 results showed encouraging growth in profit and assets under management.
However, investors should carefully examine the company’s valuation, credit risks, capital position and long-term business strategy before investing. Understanding both opportunities and risks can help investors make informed decisions.
