| Margins | Interest spread at 7.5% (Q1FY27); Net Yield at 16.53%. |
|---|---|
| Order book | AUM of ₹1,15,523 Cr; Off-book AUM at 35%. |
| Demand visibility | Strong growth in Gold Loans (114% YoY) and MSME (11% YoY). |
| Management confidence | High regarding secured lending dominance and AI integration. |
Growth
Consolidated AUM grew 7% QoQ and 38% YoY. Gold loan AUM surged 114% YoY to ₹58,406 Cr.
Outlook
Approved equity raise to strengthen CRAR. Strategy focuses on secured priority sector lending and AI-led operating models.
Risks
Asset quality shows GNPA at 1.6% and NNPA at 0.8%. RBI embargoes impacted FY25-26 performance benchmarks.
Last quarter's promises, checked
Delivered
- Guided AUM growth 20-25% → delivered 38% YoY (= BEAT)
- Guided GNPA below 2% → delivered 1.6% (= BEAT)
- Guided off-book AUM target 40-45% → delivered 35% (= PARTIAL)
Partly delivered
- Guided credit cost 1.5-1.7% → delivered 1.6% (= BEAT)
Missed
- Guided Home Loan AUM growth 18-20% → delivered 3% (= MISS)
- Guided MFI AUM growth ~20% → delivered 6% (= MISS)
Investor Presentation 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.