IIFL Finance Q3FY26: PAT ₹501 Cr (up 20% QoQ), AUM ₹98,336 Cr, Interim Dividend ₹4/share
IIFL Finance reported Q3FY26 consolidated PAT of ₹501 Cr, up 20% QoQ. AUM grew 9% QoQ to ₹98,336 Cr, driven by gold loans. Asset quality improved, with GNPA at 1.60%. The company declared an interim dividend of ₹4 per share. S&P revised the outlook to Positive.
The significant profit growth, improvement in asset quality, strategic portfolio repositioning, and a positive rating outlook revision are all material factors that are likely to have a substantial impact on investor perception and the company's financial standing.
The company reported strong profit growth, improved asset quality, and a positive outlook revision from S&P, indicating a favorable financial performance and strategic direction.
IIFL Finance Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company reported a consolidated profit after tax (PAT) of ₹501 crore for Q3FY26, marking a significant 20% increase quarter-on-quarter. The consolidated Assets Under Management (AUM) grew by 9% QoQ to ₹98,336 crore, primarily driven by strong performance in the gold loans business.
The company has demonstrated a strong rebound with improved asset quality, with Gross Non-Performing Assets (GNPA) falling to 1.60% from 2.14% in the previous quarter. IIFL Finance has strategically exited high-risk segments such as digital unsecured MSME, micro-LAP from HFC, and high-risk MFI geographies, focusing on gold loans and mortgages. The Board of Directors has declared an interim dividend of ₹4 per share (200%).
Key highlights include the normalization of gold loans post-embargo, contributing the highest share to the AUM mix. The company reported a Return on Assets (ROA) of 2.1% and a Return on Equity (ROE) of 11.3%. S&P Global Ratings affirmed the company's rating at ‘B+’ and revised the outlook from Stable to Positive. Mr. Nirmal Jain, Founder & Managing Director, stated that the quarter reflects a consolidation of the company's transformation, with a clear shift towards sustainable operating momentum, robust loan growth led by gold loans, and improved asset quality.
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