IIFL Finance Q4FY26: PAT surges 148% YoY to ₹623 Cr, AUM crosses ₹1.08 lakh Cr
IIFL Finance reported Q4FY26 PAT of ₹623.2 Cr, up 148% YoY. Consolidated AUM crossed ₹1.08 lakh Cr, up 38% YoY. Total income increased 51% YoY to ₹2,090 Cr. Gross NPA improved to 1.5% and Net NPA to 0.7%. Gold loan AUM surged 150% YoY to ₹52,581 Cr.
The results show substantial financial growth and operational improvements, including a significant increase in AUM and PAT, and a strong recovery in asset quality metrics. This indicates a positive trajectory for the company's financial health and market position.
The company reported significant year-on-year growth in Profit After Tax (PAT), Assets Under Management (AUM), and total income, along with improvements in asset quality (lower NPAs) and a strong liquidity position. Management commentary also expresses confidence in future growth.
IIFL Finance Limited announced its audited financial results for the quarter and year ended March 31, 2026. The company reported strong growth and improved asset quality, with Profit After Tax (pre-NCI) reaching ₹623.2 crore, a 148% year-on-year increase and a 24.3% quarter-on-quarter rise. Consolidated Assets Under Management (AUM) grew to ₹1,08,180 crore, up 38% YoY and 10% QoQ. Total income for Q4FY26 stood at ₹2,090 crore, an increase of 51% YoY, while pre-provision operating profit rose 80% YoY to ₹1,173 crore. For the full fiscal year FY26, PAT (pre-NCI) was ₹1,817 crore, showing a significant 214% YoY growth.
The company highlighted a strategic focus on secured lending, particularly in gold loans, which saw AUM surge to ₹52,581 crore (up 150% YoY). Home Finance AUM stood at ₹40,075 crore with stable performance. Asset quality improved with Gross NPA at 1.5% and Net NPA at 0.7%. The Provision Coverage Ratio strengthened to 93%, and the company maintained a strong liquidity position of ₹6,638 crore.
Mr. Nirmal Jain, Founder & Managing Director, stated that the performance reflects the strength of their strategic direction and disciplined execution, with a focus on secured lending and capital efficiency. He also noted the significant balance sheet strengthening, improved asset quality, and the scalable operating model anchored in AI and co-lending partnerships. The company is well-positioned for sustainable, high-quality growth in FY27. The CFO, Mr. Kapish Jain, highlighted fiscal 2026 as a milestone year, establishing IIFL Finance as a strong retail franchise led by gold loans and mortgage assets, enabled by strong partnerships with banks for Direct Assignment and Co-lending.
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