IIFL Finance Limited — PPTs, 22-07-2026: Investor Presentation

IIFL Finance delivered a strong Q1FY27, with Profit After Tax (PAT) surging 160% year-on-year to ₹713.1 Cr. Assets Under Management (AUM) grew 38% year-on-year, crossing ₹115,523 Cr, driven primarily by robust gold loan growth (up 114% YoY). The company achieved impressive Return on Assets (ROA) of 3.1% and Return on Equity (ROE) of 19.5%. Asset quality remained healthy, with Gross NPA at 1.6% and Net NPA at 0.8%.

Growth is anchored in a strategic focus on secured lending across Gold, Home, and MSME loans, along with expansion in underserved segments. IIFL is accelerating its AI-led operating model to boost productivity, risk management, and customer engagement, including advanced fraud detection and collection efficiencies. A key development was raising US$500 million through Social Bonds to fund income-generating loans for women and low-income borrowers.

Management projects resilient, capital-efficient growth for FY27, targeting ~25% AUM growth, an ROA of 3.1-3.3%, and an ROE of 16-20%, with off-book loan assets comprising 35-40% of the total. A proposed equity raise is also on the cards to strengthen capital and support future expansion.