PEL
Not ListedPEL offers tailored financing products to real estate, mid-sized corporates, small enterprises, and individual retail borrowers. Its approach leverages deep sector knowledge, sophisticated risk assessment, and technology-driven platforms. As of 2024, PEL maintains a diversified lending portfolio with a focus on driving sustainable growth while maintaining robust asset quality standards.
Piramal Enterprises Ltd
About
PEL offers tailored financing products to real estate, mid-sized corporates, small enterprises, and individual retail borrowers. Its approach leverages deep sector knowledge, sophisticated risk assessment, and technology-driven platforms. As of 2024, PEL maintains a diversified lending portfolio with a focus on driving sustainable growth while maintaining robust asset quality standards.
Business Model & Strategy
Piramal Enterprises Ltd primarily earns revenue through interest and fees from lending activities across its key wholesale, SME, and retail finance segments. The company’s business model is built on selective underwriting, focusing on secured lending and targeting high-growth sectors such as real estate, healthcare, and emerging MSME finance. Following the merger of Dewan Housing Finance Corporation Ltd (DHFL) in 2021, retail lending, particularly affordable housing, has become a core growth area.
PEL continues to diversify via digital lending initiatives and strategic collaborations to expand its retail customer base and enhance asset quality. Its growth strategy emphasizes geographic expansion, innovation in lending products, and institutional partnerships while maintaining rigorous credit standards.
Management Overview
15 MembersMr.Ajay Piramal
Executive Director-Chairperson related to PromoterMrs.Swati Ajay Piramal
Executive DirectorMs.Nandini Ajay Piramal
Non-Executive - Non Independent DirectorMr.Anand A Piramal
Non-Executive - Non Independent DirectorMr.Vijay K Shah
Non-Executive - Non Independent DirectorMr.Kunal Bahl
Non-Executive - Independent DirectorMr.Suhail Amin Nathani
Non-Executive - Independent DirectorMs.Anjali Bansal
Non-Executive - Independent DirectorMr.Puneet Yadu Dalmia
Non-Executive - Independent DirectorMs.Anita Marangoly George
Non-Executive - Independent DirectorMs.Shikha Sanjaya Sharma
Non-Executive - Non Independent DirectorMr.Rajiv Mehrishi
Non-Executive - Independent DirectorMr.Gautam Bhailal Doshi
Non-Executive - Independent DirectorMr.Asheet Mehta
Non-Executive - Independent DirectorMr.Bipin Singh
Company Secretary & Compliance OfficerAwards & Recognition
4 Awards- Featured in Forbes Asia's 'Best Under a Billion' list (2023)
- Recognized among 'India’s Most Trusted BFSI Brands' by Marksmen Daily (2024)
- Awarded 'Best Transformation in Business Strategy' by ET Now (2023)
- ESG performance improvement: Included in BSE Sustainability Index (2024)
Market Information
Company Timeline
36+ Years of Excellence | 6 Major Milestones
Company incorporated as Piramal Enterprises Ltd; entry into diversified businesses
Foray into financial services post-divestment of Abbott’s pharma business
Acquisition and merger of Dewan Housing Finance Corporation Ltd (DHFL), expansion in retail lending
Demerger of Piramal Pharma Ltd, making PEL a focused NBFC
Strengthened digital lending platform and retail business expansion
Recognized for ESG performance and business transformation; portfolio diversification into MSME and affordable housing finance
The Next Evolution
Contact Information
Registered Office
Piramal Ananta, Agastya Corporate Park, Opposite Fire Brigade, Kamani Junction, LBS Marg, Kurla (W)
Tel: 022-38023084 / 3083 / 3103,
Fax: 022-38023084,
Email: complianceofficer.pel@piramal.com
Website: piramalenterprises.com
Corporate Actions
0No Data Found
N/A
N/A
₹1,195 / 1,055
0
₹Infinity
N/A
₹50.96
₹10.00
N/A
Manage Ratio
FINANCIALS
| Annual Results | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | - | - | - | 13,528 | 13,559 | 13,173 | 14,713 | 9,087 | 10,178 | 10,612 | 0 |
| Expenses | - | - | - | 11,051 | 12,642 | 10,115 | 12,689 | 11,551 | 11,524 | 10,104 | 0 |
| Profit | - | - | - | 1,470 | 21 | 1,413 | 1,999 | 9,969 | -1,683.53 | 485 | 0 |
| Tax | - | - | - | 861 | 1,960 | 2,043 | 511 | -3,978.05 | -1,594.87 | 159 | 0 |
| EPS | - | - | - | 74 | -26.25 | 56 | 81 | 418 | -72.82 | 22 | 0 |
| Ratios | - |
Cash Flow
Consolidated Figures in Rs. Crores
| Annual Balance Sheet | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | - |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | - | - | - | 85,626 | 74,909 | 77,119 | 99,873 | 83,752 | 82,605 | 94,943 | - |
| Equity And Liabilities | - | - | - | 85,626 | 74,909 | 77,119 | 99,873 | 83,752 | 82,605 | 94,943 | - |
Shareholding Pattern
Numbers in Percentages
| Quarterly SHP Announcement Date | Mar 2016 12 Apr '16 | - |
|---|---|---|
| Goverments | - | - |
| Promoter And Promoter Group | - | - |
| Non Institutions | - | - |
| FII | - | - |
| DII | - | - |
| Total | - | - |
Piramal Enterprises Ltd
Piramal Enterprises Ltd
PEL offers tailored financing products to real estate, mid-sized corporates, small enterprises, and individual retail borrowers. Its approach leverages deep sector knowledge, sophisticated risk assessment, and technology-driven platforms. As of 2024, PEL maintains a diversified lending portfolio with a focus on driving sustainable growth while maintaining robust asset quality standards.
Piramal Enterprises Ltd primarily earns revenue through interest and fees from lending activities across its key wholesale, SME, and retail finance segments. The company’s business model is built on selective underwriting, focusing on secured lending and targeting high-growth sectors such as real estate, healthcare, and emerging MSME finance. Following the merger of Dewan Housing Finance Corporation Ltd (DHFL) in 2021, retail lending, particularly affordable housing, has become a core growth area.
PEL continues to diversify via digital lending initiatives and strategic collaborations to expand its retail customer base and enhance asset quality. Its growth strategy emphasizes geographic expansion, innovation in lending products, and institutional partnerships while maintaining rigorous credit standards.
Featured in Forbes Asia's 'Best Under a Billion' list (2023)
Recognized among 'India’s Most Trusted BFSI Brands' by Marksmen Daily (2024)
Awarded 'Best Transformation in Business Strategy' by ET Now (2023)
ESG performance improvement: Included in BSE Sustainability Index (2024)
Company incorporated as Piramal Enterprises Ltd; entry into diversified businesses
Foray into financial services post-divestment of Abbott’s pharma business
Acquisition and merger of Dewan Housing Finance Corporation Ltd (DHFL), expansion in retail lending
Demerger of Piramal Pharma Ltd, making PEL a focused NBFC
Strengthened digital lending platform and retail business expansion
Recognized for ESG performance and business transformation; portfolio diversification into MSME and affordable housing finance
Peer Comparison
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Coming Soon
Heatmap View
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Financial Ratios
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Coming Soon