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IIFL Finance (IIFL) investor relations material
IIFL Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary31 Oct, 2025
Executive summary
Q2 FY26 saw renewed momentum, with consolidated loan AUM reaching ₹90,122 crore, up 7% sequentially and 35% year-over-year, led by gold and home loans; gold loan business fully normalized post-embargo.
PAT (pre NCI) for Q2 FY26 was ₹417.94 crore, a 52% increase year-over-year, with strong profit growth driven by gold finance.
Asset quality improved with GNPA at 2.1% (down 21 bps QoQ), NNPA at 1.0% (down 11 bps QoQ), and provision coverage at 93%.
Discontinued micro-LAP, unsecured digital loans, and exited high-risk MSME/MFI geographies to strengthen portfolio quality.
Board approved unaudited financial results for Q2 and H1 FY26, with key senior management changes including new CEO for Housing Finance and new Head of CRE and Chief Risk Officer.
Financial highlights
Consolidated total income for Q2 FY26 was ₹3,309.16 crore, up from ₹2,560.72 crore in Q2 FY25; net profit after tax was ₹417.94 crore, compared to a loss of ₹93.07 crore in Q2 FY25.
Pre-provision operating profit reached ₹1,033 crore, up 38% YoY and 23% QoQ.
Net interest income for Q2 FY26 was ₹1,065.1 crore, up 9% sequentially and 5% YoY; non-fund based income grew 27% sequentially and 79% YoY to ₹837.7 crore.
Disbursements in Q2 FY26 were ₹23,475 crore, up 21.9% YoY.
Book value per share increased 6% YoY to ₹297.1.
Outlook and guidance
Loan loss provisions expected at 2.2%-2.4% in H2, with full-year guidance at 2.8%-3%.
Disbursement momentum expected to pick up in H2, especially in home loans and LAP; home loan AUM growth guided at 15%-18% YoY for H2 and beyond.
ROA for FY26 expected at 2.5%-2.8%.
Focus remains on collateral-backed retail lending, especially gold, MSME secured, and home finance.
The company is evaluating the impact of the new Code on Social Security, 2020, and will update financials once effective.
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Next IIFL Finance earnings date
Q3 25/2612 Feb, 2026
Next IIFL Finance earnings date
Q3 25/2612 Feb, 2026
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Frequently asked questions
IIFL Finance Limited (formerly known as India Infoline Finance Limited) is a diversified financial services company in India. The company provides a range of financial products and services, including home loans, personal loans, business loans, and wealth management services. It caters to both retail and corporate customers, offering solutions tailored to their financial needs. The company's business operations extend across various sectors, contributing to its comprehensive service portfolio. It's part of the broader IIFL Group, which has interests in multiple areas of finance, including non-banking financial services, wealth management, and securities brokerage. The company is headquartered in Mumbai, Maharashtra, and its shares are listed on the National Stock Exchange of India (NSE) and the Bombay Stock Exchange (BSE).
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