IIFL Finance Q2FY27 PAT ₹805 Cr, up 93% YoY; AUM ₹1.24 lakh Cr
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 tokenized bond transaction and received a Fitch rating upgrade to 'BB-'. Gold Loan AUM surged 90% YoY.
The strong financial performance, key strategic updates like the tokenized bond, and a credit rating upgrade are significant positive developments for the company.
The company reported strong year-on-year growth in PAT and AUM, alongside improvements in asset quality and a significant rating upgrade from Fitch.
IIFL Finance Limited announced its financial results for the quarter and half-year ended September 30, 2026. The company reported a Profit After Tax (PAT) of ₹805.0 crore for Q2FY27, marking a significant 93% year-on-year growth and a 13% quarter-on-quarter increase. Consolidated Assets Under Management (AUM) grew to ₹1,24,268 crore, an increase of 38% YoY and 8% QoQ. The company also highlighted improvements in its asset quality, with Gross NPA at 1.5% (down 7 bps QoQ) and Net NPA at 0.9% (up 5 bps QoQ), while maintaining a Provision Coverage Ratio of 91%.
Mr. Nirmal Jain, Founder & Managing Director, stated that the strong performance was driven by the company's secured lending strategy, with AUM crossing ₹1.24 lakh crore and a 90% secured AUM. He expressed confidence in sustaining resilient, capital-efficient growth, serving underserved India, and leveraging AI for risk, audit, and customer service improvements. The company's gold loan AUM surged by 90% YoY to ₹65,729 crore, emerging as a primary growth driver. Home Finance AUM stood at ₹43,070 crore, and MSME Loans grew by 11% QoQ to ₹11,948 crore.
Key updates include the successful completion of a ₹25 crore tokenized bond transaction, making IIFL Finance the first Non-PSU NBFC in India to do so. Fitch Ratings upgraded IIFL Finance's Long-Term Issuer Default Rating to 'BB-' from 'B+'. The company also received an ESG rating of 'CRISIL ESG 66' from CRISIL ESG Ratings. IIFL Finance continues to focus on secured lending, expansion in underserved segments, AI-led operations, and capital-light growth through co-lending partnerships.
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