IIFL Finance Ltd
P&L
Quarterly Consolidated
vs Q1 FY26
IIFL Finance Q2FY26 Results: PAT at Rs. 418 Cr, up 52% q-o-q; Gold Loans AUM at record high of Rs. 34,577 Cr
30 Oct 2025 · 30 Oct 2025, 07:25 pm
Summary
IIFL Finance reported a consolidated profit after tax of Rs. 418 Cr for the quarter ended Sept 30, 2025, up 52% q-o-q. The company’s consolidated AUM rose 7% q-o-q to 390,122 Cr, reflecting steady growth driven by strong growth momentum in gold loans business.
Key Highlights
- 1
Gold Loans: Fully normalized post-embargo; AUM at record high, yields rising, > 98 % customer retention
- 2
Asset Quality: Stage 2/3 trending down; PCR 93 %
- 3
Portfolio Re-set: Exited unsecured MSME, micro-LAP & high-risk MFI geographies
- 4
Financial Strength: ROA 1.9 % | ROE 9.8 % | CRAR (Consolidated, Computed) 28.2 % | Liquidity % 8,170 Cr | PAT 8 692 Cr (H1)
- 5
Growth Focus: Collateral-backed retail lending — Gold, MSME Secured & Home Finance
- 6
Operating Model: Al-led risk and governance systems; phygital reach of ~ 4,800 branches
Management Comments
Nirmal Jain
Founder & Managing Director, IIFL Finance
The past year has been a true test of our resilience and an affirmation of our core strengths. We faced challenges with complete transparency and used them as an opportunity to fortify every pillar of governance, compliance, and customer trust. Today, with risks well-contained, a stronger balance sheet, and renewed operational momentum, IIFL Finance stands poised at the cusp of a new growth cycle. The recent quarterly results reflect that this momentum is translating into strong operating performance. Our unwavering focus on collateral-backed retail lending, technology enablement, and execution excellence will continue to drive sustainable value creation for all stakeholders.
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