IIFL Finance reported strong Q1 FY27 financial results: PAT at INR 713 Cr, AUM reaching INR 1,15,523 Cr (up 38% YoY), and ROE at 19.5%. Gold loans (INR 58,406 Cr) continue as the main growth driver, with cautious management. Home finance and microfinance anticipate stronger performance post Q1. Management plans to address capital adequacy through various options, including a fresh equity resolution and potential subsidiary stake sales. Credit costs are expected to normalize with micro LAP portfolio cleanup. AI integration will enhance efficiency. The focus remains on a secured portfolio, having discontinued unsecured lending. Management projects confident growth, prioritizing profitability and strategic capital use.