IIFL Finance Limited has informed the Exchanges regarding Q1FY27 Results Press Release.
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 22 Jul 2026, 03:55 PM IST · BSE ID: 9133c88a-0b32-4821-86b7-d631417c59ff
View Original BSE Filing (PDF)
💡
In Simple Terms
IIFL Finance announced strong financial results for Q1 FY27, with profits up significantly and managed loan assets exceeding ₹1.15 lakh Cr.
🤖 AI Summary
- IIFL Finance reported Profit After Tax (pre-NCI) of ₹713.1 Cr for Q1 FY27, marking a 160% YoY growth.
- Consolidated Assets Under Management (AUM) reached ₹1,15,523 Cr, representing a 38% YoY increase.
- Total income for Q1 FY27 stood at ₹2,202.4 Cr, up 34% YoY, with pre-provision operating profit rising 50% YoY.
- Gross Non-Performing Assets (NPA) were 1.6% (up 9 bps QoQ), and Net NPA stood at 0.8% (up 9 bps QoQ).
🔢 Key Numbers — exact figures from BSE filing, not rounded
Pre-provision operating profit
1,252.4 Cr
50%
Profit before tax (pre-exceptional items)
928.6 Cr
161%
Profit after tax (pre-NCI)
713.1 Cr
160%
Return on assets
3.1%
156 bps
Return on equity
19.5%
1188 bps
🏢 How This Affects the Company
The company's strategic focus on secured lending, particularly Gold Loans, drove significant AUM growth to ₹1,15,523 Cr, up 38% YoY, and reinforced its position in retail-focused NBFC segments. Co-lending partnerships are scaling meaningfully, with cumulative originations of ₹1.55 lakh Cr since FY14, supporting capital-light growth.
Profit After Tax (pre-NCI) increased by 160% YoY to ₹713.1 Cr, reflecting strong operating leverage and improved asset quality. The Return on Assets (ROA) improved to 3.1% and Return on Equity (ROE) to 19.5%, indicating enhanced profitability metrics. A strong liquidity position of ₹7,148 Cr and computed consolidated CRAR of 24.3% support future growth.
IIFL Finance is accelerating its AI-led transformation across underwriting, collections, customer engagement, and cross-sell, improving operational efficiency and risk management. Key updates include ML-led Voice AI and AI video training for frontline staff, alongside AI-powered gold-image fraud detection.
The Provision Coverage Ratio strengthened to 94%, contributing to a decrease in Net NPA by 31 bps YoY to 0.8%, which helps mitigate credit risk. Gross NPA increased by 9 bps QoQ to 1.6%, indicating a slight uptick in non-performing assets during the quarter.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required from shareholders based on this financial results press release.
👤
Who Is Affected
All shareholders are affected as the company reported substantial growth in Profit After Tax (pre-NCI) to ₹713.1 Cr and Assets Under Management (AUM) to ₹1,15,523 Cr for Q1 FY27.
🔍
Management Signal
Management is signaling a continued strategic focus on secured lending, capital-efficient growth, and leveraging AI for operational improvements, as articulated by the Founder & Managing Director.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — monitor AUM growth trajectory and asset quality metrics.
Updates on proposed equity raise and expansion of co-lending partnerships.
Further developments regarding Moody's Ba3 Issuer rating and its implications.
MEDIUM RISK
While profit grew significantly, a QoQ increase in GNPA and NNPA requires ongoing monitoring of asset quality.
💡 Investor Takeaway
IIFL Finance reported a Q1 FY27 Profit After Tax (pre-NCI) of ₹713.1 Cr, marking a 160% YoY increase, with consolidated AUM growing 38% YoY to ₹1,15,523 Cr. This indicates significant growth across core businesses and improved profitability metrics, with ROA at 3.1% and ROE at 19.5%.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax (pre-NCI) increased 160% YoY to ₹713.1 Cr, demonstrating robust profitability driven by secured lending strategy.
- Consolidated AUM grew 38% YoY to ₹1,15,523 Cr, with Gold Loans surging 114% YoY to ₹58,406 Cr, indicating strong business expansion.
⚠️ Concerns
- Gross NPA increased 9 bps QoQ to 1.6%, and Net NPA also rose 9 bps QoQ to 0.8%, suggesting a slight deterioration in asset quality from the previous quarter.
- No specific weaknesses beyond asset quality shifts were highlighted in the provided financial results press release.
📅 Company Track Record
In a prior filing on July 22, 2026, IIFL Finance informed exchanges that its Q1 FY27 net profit rose 160.4% to Rs. 713.13 crore, and consolidated net profit also rose by the same percentage and amount, confirming the figures provided in this press release.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was IIFL Finance's Profit After Tax for Q1 FY27?
IIFL Finance reported a Profit After Tax (pre-NCI) of ₹713.1 Cr for the quarter ended June 30, 2026, which represents a 160% YoY growth.
What is the consolidated AUM reported by IIFL Finance for Q1 FY27?
Consolidated Assets Under Management (AUM) for IIFL Finance grew to ₹1,15,523 Cr in Q1 FY27, an increase of 38% YoY and 7% QoQ.
What were the Gross NPA and Net NPA for IIFL Finance in Q1 FY27?
IIFL Finance reported Gross NPA at 1.6% (up 9 bps QoQ) and Net NPA at 0.8% (up 9 bps QoQ) for Q1 FY27.
What was the total income for IIFL Finance in Q1 FY27?
The total income for IIFL Finance in Q1 FY27 stood at ₹2,202.4 Cr, representing a 34% increase YoY.
Who is the new Chief Financial Officer at IIFL Finance?
Mr. Vikas Jain has joined IIFL Finance as the Chief Financial Officer. He previously served as Group CFO at Hinduja Leyland Finance.
Questions based on this BSE filing only. For information purposes.