IFIIFL Finance532636Quarterly results

Q2FY27: PAT (pre-NCI) at ₹805.0 Cr, consolidated AUM ₹1,24,268 Cr, gross NPA 1.5%

IIFL Finance Q2FY27: PAT (pre-NCI) ₹805.0 Cr, consolidated AUM ₹1,24,268 Cr, gross NPA 1.5%, net NPA 0.9%.

By ScoutQuest · Thu 15 Oct 2026, 4:14 PM IST · 2 min read

PAT (pre-NCI)

₹805.0 Cr

Consolidated AUM

₹1,24,268 Cr

Gross NPA / Net NPA

1.5% / 0.9%

What the company reported for Q2FY27

• Profit after tax (pre-NCI) of ₹805.0 Cr for the quarter ended September 30, 2026.
• Profit before tax of ₹1,073.7 crore and pre-provision operating profit of ₹1,355.1 crore.
• Total income of ₹2,339.6 crore for the quarter.
• Consolidated assets under management (AUM) of ₹1,24,268 Cr.
• Return on equity of 20.1%, annualised for the first half of FY27.

Asset quality

• Gross NPA at 1.5% and net NPA at 0.9%.
• The company said the quarter saw an improvement in overall GNPA.
• It describes its lending as secured-lending focused, with gold loans and mortgages as the core, alongside disciplined portfolio rebalancing.

Business segments described in the release

• Gold loans emerged as the primary growth driver, with the company noting asset quality in that book remained healthy.
• Home finance saw asset quality improve, which the company links to prudent underwriting.
• MSME lending continued to shift towards secured lending, with a reduction in unsecured exposure, which the company says improved the risk profile.
• Microfinance was broadly flat quarter-on-quarter, with improving asset quality.

Other updates covered in the release

• The company said it completed a tokenised bond transaction, describing itself as the first non-PSU non-banking financial company in India to undertake such a transaction.
• Fitch Ratings upgraded IIFL Finance's Long-Term Issuer Default Rating, senior secured debt and global medium-term note programme ratings, with a stable outlook.
• CRISIL assigned ESG and core ESG ratings to the company.
• The company said it is progressing a proposed equity raise, under the enabling shareholder approval received in July 2026.
• It also listed awards and recognitions received by the company and its foundation.

Strategy and outlook language used by the company

• Focus on secured lending (gold and mortgages), expansion in underserved MSME and Bharat segments, an AI-led operating model, branch-led distribution and co-lending partnerships.
• Management expects home loans and secured MSME lending to gain momentum as gold loan growth moderates, and expects to sustain growth through FY27.
• The release carries a standard forward-looking statement note, stating that actual results may vary from management expectations.

How a retail investor can read a update like this

• A results press release and investor presentation set out the reported numbers behind the headline, and the movement in AUM and NPA ratios shows the direction in which the lending book is moving.
• Rating upgrades and ESG ratings are third-party assessments; an upgrade reflects the rating agency's view of the credit profile at that point in time.
• A proposed equity raise, if and when it is completed, can change the number of shares outstanding and therefore per-share metrics such as book value per share.

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