A new growth paradigm


Our core values of Knowledge, Action, Care and Impact are the foundation of the organization. Basis the four values, we strive to create value for our stakeholders, for our customers, employees, shareholders, the society and the planet. Our culture is also defined by the ethics and integrity, which is embedded in everything we do in the organization.

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Retail Mix


Wholesale Mix


AUM growth (March 2022 base)


5-year CAGR of retail disbursement growth


Net debt-to-equity
Piramal Enterprises Limited:

Piramal Enterprises Limited (PEL) is a part of Piramal Group established in the 1980’s. The group is one of India’s powerhouse conglomerates with a track record of establishing successful businesses in varied industries. With a history of successful organic and inorganic growth ventures, the Piramal group today has a global presence across 30 countries.


Piramal Structure - Post-Demerger


Retail Lending

Wholesale Lending


Life Insurance

Investment in Shriram

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Consolidated Revenue for FY 2023

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Total Equity (as on March 31, 2023)

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Total Assets (as on March 31, 2023)

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Assets under Management (as on March 31, 2023)

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Net Profit for FY 2023*

* Includes an exceptional gain of ₹ 8,066 Crores in FY 2023 pertaining to demerger of PPL

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Across India



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Footprint across India


Women empowered by all our loan products


Beneficiaries of financial literacy programs

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Lives touched through CSR


Women directors on Board
Chairman’s Message

Dear Shareholders,

My warm greetings to all of you. Hope you and your families are safe and in good health.

India today ranks as the 5th largest economy in the world according to the World GDP Rankings 2023 and stands tall amongst most emerging economies. As economies across the globe grapple with geopolitical tensions, high inflationary environment and monetary tightening, the India story is one of resilience, backed by strong macro fundamentals and prudence governance.


Meet the Board Meet the Management
Our Sustainability Journey


We are proud to be a mission-driven company – devoted to creating a positive impact. Our purpose of ‘Doing Well and Doing Good’ fuels our long-standing commitment to promoting overall development of all our stakeholders. The fundamental values that PEL cherishes, namely 'Knowledge', 'Action', 'Care', and 'Impact', hold paramount importance in shaping the organization's identity and influencing its conduct. These values provide guidance for all employees, customers, and partners to undertake positive actions that align with the company's brand.


The acquisition of Dewan Housing Finance Corporation Ltd. (DHFL) accelerated PEL's vision to focus on serving the financial needs of the unserved and underserved customers of our country especially in tier 2, 3 and 4 cities. The Company's objective is to foster the growth in the years to come and have a positive impact on the lives of the masses by promoting better and more secure lifestyles.

Doing Well and Doing Good

Impactful Growth

Financial Inclusion

Sustainable Finance

Operational Eco-efficiency

Resilient Technology

Data Privacy

Cyber Security


Social Stewardship

Human Capital Development

Community Development

Customer Satisfaction

Governance Excellence

ESG Risk Management

Corporate Governance

Brand Reputation & Communication


PEL is committed to reducing its carbon footprint as part of its responsibility towards sustainability. We take a holistic approach towards environmental matters, aiming to use natural resources sustainably while making a positive impact.

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PEL acknowledges its role in enabling India's growth story and its impact on millions of Indians. We remain dedicated to delivering long-term value to all stakeholders, serving our clients, empowering our communities, collaborating with partners, and nurturing our staff through the lens of sustainable impact.

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At PEL, we place great emphasis on maintaining a strong culture of governance within our organization, which has been shaped by our core values and is supported by clear policies and procedures for decision-making, risk management, and performance monitoring.

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Delivering to Our Society
Piramal Foundation

To transform Health, Education, Water and social sector ecosystems through partnerships, high impact solutions and thought leadership.

  • Piramal Foundation’s operations span 27 states and 2 Union territories
  • Touched lives of 113 Million Indians in the last 15 years
  • Partnering with governments, international and national organisations and academia to help improve the delivery of government services

Our portfolio of solutions comprises of 5 Big Bets that will leapfrog India towards achieving her Sustainable Development Goals by 2030 through a Platform and Partnership approach

Enabling marginalized populations to benefit from India’s growth story
Tribal Health Collaborative

Problem: 10 Crores tribal people with the lowest HDIs as compared to any other sub-population

Aspirational Districts Collaborative

Problem: 112 Aspirational Districts in India with the lowest Human Development Indicators

Strengthening Government’s capacity through leadership development and digitization
Digital Bharat Collaborative

Problem: Sub-optimal use of technology in public service systems hinders universal access and timely high-quality public health service delivery

Piramal School of Leadership

Problem: Absence of programmes that build leadership skills of Government officials to help them perform to their highest potential

Develop nation's youth and creating future leaders
Tapas (The Piramal Academy of Sewa)

Problem: Absence of a leadership building platform to tap and nurture the potential of the youth to contribute to development/nation building

Vision: Leverage the Power of Youth and Build future Leaders Engaged in Nation Building

• Gandhi Fellowship
• Karuna Fellowship

Awards and Recognition

Piramal Group recognised as one of the Best Organisations for Women 2023 by The Economic Times

Mr. Ajay Piramal, Chairman, Piramal Group was conferred with an honorary ‘Commander of the Order of the British Empire’ (CBE)

Dr. Swati Piramal, Vice Chairperson, Piramal Group won the Woman Icon of the Year Award by Jagran New Media. She was recognized for her professional achievements, her work in women empowerment, varied interests and philanthropy

Dr. Swati Piramal, Vice Chairperson, Piramal Group was conferred with the ‘Knight of the Legion of Honour,’ the highest French civilian honour by the Minister for Europe and Foreign Affairs, Republic of France, Ms. Catherine Colonna. The award recognises Dr. Piramal’s achievements and contribution in the field of business and industry, science, medicine, art and culture, and strengthening the Indo-French ties

Dr. Swati Piramal, Vice Chairperson, Piramal Group was felicitated at the 19th edition of Business Today's 'Most Powerful Women in Business' for her outstanding contributions in Business and Social Growth

Piramal Finance recognized by The Economic Times as a 'Best Brand 2022’

Piramal Finance awarded Best Business Impact through Research by the MRSI - The Market Research Society of India at The Golden Key Awards 2022

Piramal Finance was certified as a ‘Great Place To Work’ by Great Place To Work Institute - India