IIFL Finance (IIFL) investor relations material

Executive summary

• AUM reached ₹1.15 lakh crore, up 38% year-over-year, with gold loans as the primary growth driver and 90% of the book secured.

• Consolidated Q1FY27 PAT (pre NCI) rose 14% QoQ and 160% YoY to ₹713.13 crore.

• ROA at 3.1%, ROE at 19.5%–24.3% (not annualized), and CRAR at 24.3%.

• AI-led operating model is moving from pilot to measurable impact, supporting collections, fraud detection, and productivity.

• Board approved enabling resolution for fresh equity, providing flexibility for capital raising.

Financial highlights

• Consolidated revenue from operations for Q1 FY27 was ₹3,919.15 crore, up from ₹2,952.83 crore in Q1 FY26.

• Pre-provision operating profit was ₹2,252 crore, up 50% YoY and 7% QoQ.

• Net interest income grew 13% QoQ and 34% YoY to ₹1,310.5 crore.

• Basic EPS for the quarter is ₹15.9 (consolidated), up 15% QoQ and 189% YoY.

• Loan losses and provisions declined 10% QoQ and 43% YoY.

Outlook and guidance

• FY27 targets: AUM growth 16–20%, ROE ~25%, ROA 3.1–3.3%, credit costs 1.5%–1.7%.

• Home finance and microfinance expected to strengthen after a seasonally soft Q1; home finance book growth guidance is 17%–18%, with disbursement growth over 30%.

• Margins expected to remain stable; operating leverage and AI to drive further cost efficiencies.

• Equity raise planned to strengthen capital and support growth.