IIFL Finance Limited — PPTs, 30-07-2025: Investor Presentation

**1. Financial Highlights:**

IIFL Finance reports 7% QoQ AUM growth to ₹83,889 Cr and 9% QoQ PAT increase to ₹274 Cr. ROA is 1.6%, ROE 7.6%. Gold Loan AUM surged 30% QoQ to ₹27,274 Cr, exceeding pre-embargo levels. GNPA at 2.3% and NNPA at 1.1% show a slight uptick; asset quality focus ongoing.

**2. Strategic Initiatives & Growth Drivers:**

IIFL expands its "phygital" model, integrating 4,800+ branches with AI for underwriting. Regulatory approval for 510 new branches supports expansion. Key board and management appointments, including a former RBI Deputy Governor and Chief AI Officer, enhance governance and tech-led growth. MSME lending is a prime growth target.

**3. Business Developments:**

Gold loan business fully recovered to record AUM. MSME and Microfinance portfolios are being recalibrated towards secured lending and improved collections. New leadership additions strengthen audit, legal, and gold loan functions.

**4. Market Position & Competitive Advantage:**

IIFL maintains leadership in affordable housing, leveraging its extensive "phygital" network for underserved segments. Strong governance, sharp risk controls, and tech integration offer a competitive edge.

**5. Investor Implications:**

Solid Q1 PAT and gold loan rebound signal positive growth potential. Strategic tech and branch expansion are encouraging. Investors should monitor asset quality trends as portfolio recalibration efforts mature.