IIFL Finance Q2FY27 PAT ₹805 Cr (+93% YoY), AUM ₹1.24 lakh Cr (+38% YoY)
IIFL Finance reported Q2FY27 PAT of ₹805 Cr, up 93% YoY. Consolidated AUM reached ₹1.24 lakh Cr, up 38% YoY. Gross NPA improved to 1.5%. The company completed a ₹25 Cr tokenised bond transaction and received a Fitch upgrade to 'BB-'. Management highlighted strong growth in gold loans and a strategic focus on secured lending and AI transformation.
The reported results show significant growth and improvement in key financial metrics, including PAT and AUM. The credit rating upgrade and successful innovative bond transaction are also positive indicators that are likely to impact investor confidence and the company's market position.
The company reported strong year-on-year growth in Profit After Tax (PAT) and Assets Under Management (AUM). Key financial metrics like Gross NPA improved, and the company received a credit rating upgrade, indicating positive financial health and performance.
IIFL Finance Limited announced its unaudited financial results for the quarter and half year ended September 30, 2026. The company reported a strong performance with Profit After Tax (PAT) pre-NCI of ₹805.0 crore, a significant increase of 93% year-on-year (YoY) and 13% quarter-on-quarter (QoQ). Consolidated Assets Under Management (AUM) grew to ₹1,24,268 crore, up 38% YoY and 8% QoQ.
Total income rose 23% YoY to ₹2,339.6 crore, while pre-provision operating profit increased 31% YoY to ₹1,355.1 crore. Profit before tax saw a substantial YoY growth of 93%, reaching ₹1,073.7 crore. Key highlights include a Gross NPA of 1.5% (down 7 bps QoQ), Net NPA of 0.9% (up 5 bps QoQ), and a Provision Coverage Ratio of 91%. The Return on Assets (ROA) was 3.1% and Return on Equity (ROE) was 20.1% (annualized for H1FY27). The company maintained a strong liquidity position of ₹13,805 crore and a computed consolidated Capital Adequacy Ratio (CRAR) of 23.5%.
Mr. Nirmal Jain, Founder & Managing Director, stated that the company's secured lending strategy, particularly in gold and mortgage loans, has been a key driver of growth. He also highlighted the strengthening of risk, audit, and compliance functions through AI, and deepening bank partnerships. The company expects to sustain resilient, capital-efficient growth through FY27.
The Gold Loans segment showed a surge in AUM to ₹65,729 crore (up 90% YoY). Home Finance AUM stood at ₹43,070 crore, and MSME Loans AUM grew 11% QoQ to ₹11,948 crore.
Key updates include the successful completion of a ₹25 crore tokenised bond transaction, making IIFL Finance the first Non-PSU NBFC in India to do so. Fitch Ratings upgraded IIFL Finance's ratings to 'BB-' from 'B+', with a stable outlook. CRISIL assigned an ESG rating of ‘CRISIL ESG 66’ and Core ESG rating of ‘CRISIL Core ESG 70’.
The company's strategic focus remains on secured lending, expansion in underserved segments, an AI-led operating model, branch-led distribution, and co-lending partnerships for capital-light growth. IIFL Finance is accelerating its AI transformation across underwriting, collections, customer engagement, and cross-sell.
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