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PIRAMAL ENTERPRISES AT A GLANCE

MESSAGE FROM THE CHAIRMAN

Dear Shareholders,

Driven by a clear mission, Piramal Enterprises has been actively reshaping itself over the past few years. As a part of our strategic roadmap, we steered our journey into a well-diversified, nonbanking finance company, with a commitment to driving lasting positive change, building a strong corporate culture, and laying a solid foundation for value creation and sustained growth.

Our legacy is built on innovation, integrity, and impact. Our commitment to these principles ensures we continue to be a force for good.

Ajay G. Piramal

Chairman

OPERATIONAL AND FINANCIAL HIGHLIGHTS

Achieving Excellence Through Business Transformation

OUR BUSINESS SEGMENTS

Retail Lending

Post the business transformation and corporate reorganisation, Piramal Enterprises Limited (PEL) is today a well-diversified, housing-centric, retail-led NBFC.

Wholesale Lending

As part of the corporate transformation, PEL judiciously downsized its legacy Wholesale Lending operations and channelised its efforts towards establishing a diversified and more granular Wholesale 2.0 portfolio, backed by cash flows and assets.

Alternatives

This encompasses PEL’s fiduciary and fund management business with long-standing partnerships with marquee investors, with total committed capital of US$ 1 billion.

Life Insurance

The Company owns 50% stake in Pramerica Life Insurance (Pramerica), a joint venture (JV) with Prudential International Insurance Holdings.

TECHNOLOGY: MAKING THE RIGHT INVESTMENTS AND AIMING FOR FUTURE GROWTH

We leverage best-in-class AI-driven technology platforms and analytics, aligning them with our dynamic business landscape to ensure a solid foundation for future profitability.

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BRANDING: DECODING OUR EQUITY AND EVALUATING PERFORMANCE

Our maiden advertisement campaign highlights our dedication to customer centricity and our brand promise of empathy.

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HUMAN CAPITAL: NURTURING A CULTURE OF TRUST FOR EMPLOYEE SUCCESS

At Piramal Enterprises Limited, our HR strategy underscores our commitment to building a future-ready organisation.

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RISK MANAGEMENT: BUILDING RESILIENCE. SAFEGUARDING THE BUSINESS

The Company has a robust Risk Management framework to identify, measure, manage and mitigate business and opportunities.

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ENVIRONMENT, SOCIAL AND GOVERNANCE

AWARDS & RECOGNITION

During the year, multiple projects across our businesses were honoured with awards and accolades. Some noteworthy awards received by our leadership and top management are mentioned below:

Pitch BFSI Marketing Silver Award for Best Use of Social Media

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Pitch BFSI Marketing Silver Award for SEO & Content Strategy

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Pitch BFSI Marketing Bronze Award for Most Effective Launch

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