| Margins | Cost of borrowing decreased 33 bps YoY to 9.13%. |
|---|---|
| Order book | AUM at INR 1.15 lakh crore; co-lending assets INR 14,647 Cr. |
| Demand visibility | Structurally resilient domestic credit demand in retail and MSME segments. |
| Management confidence | High; operations back to natural levels with AI-led operating leverage. |
Growth
AUM up 38% YoY; PAT up 14% QoQ. Core product AUM (Gold, Home, MSME, Microfinance) grew 43% YoY.
Outlook
Guided 1.5-1.7% credit costs for FY27. Home loan growth targeted at 17-18% for the full year.
Risks
Gold price volatility and sharp corrections pose tail risks to loan-to-value discipline. Cautious stance on unsecured MSME/MFI.
Last quarter's promises, checked
Delivered
- Guided 2.7-3% credit cost FY26 → delivered 1.5-1.7% guidance for FY27 (= BEAT)
- Guided 2.4% ROA growth → delivered 2.97% (= BEAT)
- Targeted INR 1 lakh Cr AUM → delivered INR 1.08 lakh Cr (= BEAT)
Partly delivered
- Guided 20-25% Gold AUM growth → delivered 11% QoQ (= PARTIAL)
Earnings Call Transcript filed with NSE, NSE: IIFL. Summary written with AI assistance from the document.
IIFL Finance Ltd: key numbers
- Share price
- ₹616.95
- Market cap
- ₹26,332 Cr
- Revenue (annual)
- ₹13,351 Cr
- Net profit (annual)
- ₹1,661 Cr
- P/E (TTM)
- 12.5×Sector 22.0×
- Promoter holding
- 24.85%+0.00% QoQ
- FII holding
- 23.86%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from IIFL Finance Ltd
All →IIFL Finance Debt & Borrowing: ₹60 Cr
IIFL Finance Limited has redeemed commercial papers worth Rs. 60.00 Crore. The full redemption was completed upon maturity on September 25, 2026.
- Value
- ₹60.00 Cr
IIFL Finance Debt & Borrowing
IIFL Finance allotted Non-Convertible debt securities on 21 September 2026 under a blanket board limit of Rs.10,000 Crore. No specific allotment amount or investor details were disclosed.
IIFL Finance Debt & Borrowing: ₹130 Cr
IIFL Finance allotted 13,000 secured NCDs aggregating ₹130 Crore under Series D37 Reissue I via private placement. The 2-year instrument carries a 9.25% coupon with first-ranking pari passu charge over loan assets.
- Value
- ₹130.0 Cr
- Execution
- 2 years
IIFL Finance Debt & Borrowing: ₹257 Cr
IIFL Finance successfully redeemed commercial paper worth ₹257 Crore upon maturity. This disclosure confirms the repayment of principal to all beneficiaries.
- Value
- ₹257.0 Cr
IIFL Finance Debt & Borrowing: ₹500 Cr
IIFL Finance Limited has completed the full redemption of its Commercial Paper, amounting to ₹500 Crore. The payment was made upon maturity as per regulatory requirements.
- Value
- ₹500.0 Cr
IIFL Finance Employee Stock Options
IIFL Finance allotted 14,30,848 equity shares to employees upon exercise of ESOPs. The allotment was approved by the Nomination and Remuneration Committee via circular resolution.