IIFL Finance Q2FY27: PAT up 93% YoY to ₹805 Cr as AUM crosses ₹1.24 lakh Cr
Q2FY27 PAT (pre-NCI) up 93% YoY to ₹805.0 Cr; consolidated AUM up 38% YoY to ₹1,24,268 Cr; GNPA 1.5%.
By ScoutQuest · · 1 min read
- PAT (pre-NCI)
- up 93% YoY to ₹805.0 Cr
- Consolidated AUM
- up 38% YoY to ₹1,24,268 Cr
- Gross NPA
- 1.48%
- Period
- Q2FY27
- Positioning
- IIFL Finance describes itself as a leading retail-focused NBFC with a 90% secured AUM anchored on gold loans and mortgages.
📉 Q2FY27 total income rose 23% YoY to ₹2,339.6 crore, pre-provision operating profit rose 31% to ₹1,355.1 crore and PAT (pre-NCI) rose 93% YoY to ₹805.0 Cr, helped by loan losses and provisions falling to ₹280.8 Cr from ₹500.3 Cr a year earlier.
📌 Consolidated AUM reached ₹1,24,268 Cr, up 38% YoY, with gold loans at ₹65,729 Cr (up 90% YoY) now 52.9% of the book. Gross NPA was 1.48% and provision coverage 91%; gold loan GNPA rose to 0.90% from 0.12% a year ago.
📌 Management states that as gold loan growth moderates it expects home loans and secured MSME lending to gain momentum, and the company says it expects to sustain resilient, capital-efficient growth through FY27.
🎯 The presentation lists five strategic pillars: secured portfolio anchor, Bharat + MSME flywheel, AI-led operating model, branch-led distribution and capital-light growth via bank partnerships, with AI initiatives targeted to scale by Q3-Q4 FY27 and a proposed equity raise in progress.
Also from IIFL Finance
Q2 FY27 call: AUM INR1,24,268 crores, PAT INR805 crores, about 90% secured
23 Oct 2026
IIFL Finance MD Sanjay Sharma discussed a strong quarter with stable asset quality and rising AUM, expecting continued margin and credit cost improvement
22 Oct 2026
IIFL Finance schedules Debt Investor Call group meeting for October 27, 2026
21 Oct 2026
More numbers
- Total income, Q2FY272,339.6 (₹ Cr)
- Pre provision operating profit, Q2FY271,355.1 (₹ Cr)
- Profit after tax (pre NCI), Q2FY27805.0 (₹ Cr)
- Profit after tax (post NCI), Q2FY27766.4 (₹ Cr)
- Loan losses & provision, Q2FY27(280.8) (₹ Cr)
- Total loan AUM, Q2FY27124,268 (₹ Cr)
- Gold loan AUM, Q2FY2765,729 (₹ Cr)
- AUM growth YoY, Q2FY2738%
- Total GNPA, Q2FY271.48%
- Provision coverage, 30 Sep 202691%
- Total yield, Q2FY2716.50%
- Liquidity position₹13,805 Cr
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