IIFL Finance Limited — PPTs, 22-01-2026: Investor Presentation

IIFL Finance reported a strong rebound in the latest quarter with Profit After Tax (PAT) hitting ₹501 Cr, up 20% quarter-on-quarter. Assets Under Management (AUM) grew 9% to ₹98,336 Cr, primarily driven by gold loans which surged 26% to ₹43,432 Cr. Asset quality significantly improved, with Gross Non-Performing Assets (GNPA) falling to 1.6% from 2.14% in the prior quarter. Net NPA stood at 0.8%.

The company's strategy centers on high-quality, collateral-backed retail lending across gold, secured MSME, and home finance segments. They are enhancing operations through an AI-led framework and a 'phygital' network of nearly 4,800 branches. A strategic portfolio re-set has seen the exit of high-risk lending areas.

S&P Ratings affirmed its 'B+' rating, revising the outlook from Stable to Positive, reflecting increased market confidence. An interim dividend of ₹4 per share was also declared. Other key metrics include Return on Assets (ROA) at 2.5% and Return on Equity (ROE) at 14.3%.

Management highlighted a shift from stabilization to sustainable operating momentum, anticipating continued high-quality growth by leveraging their AI-led framework and disciplined risk management.