ALFA Finder| 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
- ₹663.15
- Market cap
- ₹28,317 Cr
- Revenue (annual)
- ₹13,351 Cr
- Net profit (annual)
- ₹1,661 Cr
- P/E (TTM)
- 11.4×Sector 21.2×
- Promoter holding
- 24.76%-0.09% QoQ
- FII holding
- 25.63%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: ₹70 Cr
IIFL Finance confirmed full maturity redemption of its commercial paper, paying Rs.70 Crore to all holders. Outstanding amount is now nil, closing the issue.
- Value
- ₹70.00 Cr
IIFL Finance Annual General Meeting
IIFL Finance called an EGM for December 4, 2026 to approve a preferential issue of convertible preference shares and warrants. Also covers articles and a director redesignation.
IIFL Finance Preferential Issue
IIFL Finance's EGM on 4 December 2026 seeks approval for a preferential issue. Convertible preference shares and warrants total about ₹6,414.20 Crore.
- Value
- ₹6,414 Cr
IIFL Finance Preferential Issue
IIFL Finance executed three subscription agreements for a preferential issue of CCPS and warrants at Rs 602 per share. Completion is subject to shareholder and regulatory approvals.
IIFL Finance Capital Structure Change
IIFL Finance's board approved an alteration of authorised share capital. The shareholder vote is set for 4 December 2026.
IIFL Finance Fund Raise of ₹6,414 Cr
IIFL Finance's board approved a preferential issue of convertible preference shares and warrants worth Rs.6,414.20 Crore. Shareholder approval is needed at a 4 December EGM.
- Value
- ₹6,414 Cr