IIFL Finance Q2FY27 PAT up 93% YoY to ₹805.0 Cr; AUM crosses ₹1.24 lakh Cr
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 15 Oct 2026, 04:12 PM IST · BSE ID: 94694a32-8304-4f49-82aa-43273f46a754
View Original BSE Filing (PDF)
💡
In Simple Terms
IIFL Finance announced its quarterly results, showing higher profits and larger loan book, alongside improved asset quality.
🤖 AI Summary
- IIFL Finance reported consolidated Profit After Tax (pre-NCI) of ₹805.0 Cr for Q2FY27, marking a 93% YoY growth.
- Consolidated Assets Under Management (AUM) reached ₹1,24,268 Cr, growing 38% YoY and 8% QoQ.
- Total income for Q2FY27 increased 23% YoY to ₹2,339.6 crore, with pre-provision operating profit up 31% YoY.
- Gross NPA stood at 1.5% (down 66 bps YoY), while Net NPA was 0.9% (up 5 bps QoQ).
- The company maintained a strong liquidity position of ₹13,805 Cr and a computed CRAR of 23.5%.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Pre-provision operating profit
1,355.1 crore
31%
Profit before tax
1,073.7 crore
93%
Profit after tax (pre-NCI)
805.0 Cr
93%
Return on assets
3.2%
99 bps
Return on equity
20.8%
890 bps
🏢 How This Affects the Company
The growth in AUM to ₹1,24,268 Cr, especially a 90% YoY increase in Gold Loans, expands IIFL Finance's market presence in secured lending. A shift towards secured MSME lending and stable microfinance AUM indicates strategic portfolio rebalancing.
Profit After Tax (pre-NCI) increased 93% YoY to ₹805.0 Cr, driven by a 31% YoY rise in pre-provision operating profit and lower loan losses. Consolidated CRAR of 23.5% and liquidity of ₹13,805 Cr support future growth funding.
AI-led transformation is accelerating across underwriting, collections, customer engagement, and cross-sell, with specific applications in gold-loan sales and SME LAP credit assessment, improving operational efficiency and risk management.
Gross NPA decreased 66 bps YoY to 1.5%, indicating a reduction in credit risk. The focus on secured lending and improved provision coverage ratio at 91% contribute to a stronger risk profile.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required from shareholders based on this financial results press release.
👤
Who Is Affected
Shareholders are affected by the company's financial performance, with Q2FY27 PAT (pre-NCI) at ₹805.0 Cr and AUM at ₹1,24,268 Cr, influencing the company's intrinsic value.
🔍
Management Signal
Management signals a continued focus on secured lending, operational efficiency via AI, deepening bank partnerships, and maintaining capital discipline for resilient growth.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — verify continued AUM growth and PAT trends.
Updates on proposed equity raise — monitor progress following shareholder approval.
Progress on AI transformation initiatives — assess impact on operating efficiency and risk.
LOW RISK
Improved asset quality (lower GNPA) and strong liquidity position support current risk profile.
💡 Investor Takeaway
IIFL Finance reported Q2FY27 consolidated PAT (pre-NCI) of ₹805.0 Cr, a 93% YoY increase. Consolidated AUM reached ₹1,24,268 Cr, up 38% YoY. Gross NPA improved to 1.5% from 2.1% YoY, indicating strengthening asset quality.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax (pre-NCI) surged 93% YoY to ₹805.0 Cr for Q2FY27, demonstrating strong profitability.
- Consolidated AUM grew 38% YoY to ₹1,24,268 Cr, with Gold Loan AUM up 90% YoY to ₹65,729 Cr.
⚠️ Concerns
- Net NPA increased 5 bps QoQ to 0.9% in Q2FY27, despite a decrease in Gross NPA.
- Microfinance AUM remained broadly flat QoQ at ₹9,489, showing no immediate growth in that segment.
📅 Company Track Record
IIFL Finance's Q1 FY27 consolidated net profit after tax rose 160.4% YoY to ₹713.13 crore, with AUM at ₹1,15,523 Cr. The company had reported a Q2 FY27 consolidated net profit after tax rise of 92.61% YoY to Rs. 805.01 crore in a prior filing.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was IIFL Finance's consolidated net profit for Q2FY27?
IIFL Finance's consolidated Profit After Tax (pre-NCI) for Q2FY27 stood at ₹805.0 Cr, a 93% year-on-year growth.
What is the AUM of IIFL Finance as of September 30, 2026?
Consolidated Assets Under Management (AUM) for IIFL Finance as of September 30, 2026, grew to ₹1,24,268 Cr.
How did IIFL Finance's Gross NPA change in Q2FY27?
IIFL Finance's Gross NPA for Q2FY27 was 1.5%, which is a decrease of 66 bps compared to 2.1% in Q2FY26.
What was IIFL Finance's total income for Q2FY27?
IIFL Finance's total income for Q2FY27 rose 23% year-on-year to ₹2,339.6 crore.
What is IIFL Finance's current liquidity position?
IIFL Finance reported a strong liquidity position of ₹13,805 Cr as of September 30, 2026.
Questions based on this BSE filing only. For information purposes.