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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% QoQ and 35% YoY, led by record gold loan performance and strong home loan growth; MSME focus remains on secured portfolio with strategic exit from high-risk segments.
PAT (pre NCI) for Q2 FY26 was ₹417.94 crore, up 52% YoY, with improved asset quality and provision coverage at 93%.
Discontinued Micro LAP, unsecured digital loans, and high-risk MFI geographies to strengthen portfolio quality; both products are now closed.
New CEO for IIFL Home Finance and key senior management changes, including new Head of CRE and Chief Risk Officer, bring strategic direction.
Fitch upgraded rating outlook from stable to positive, reflecting improved risk profile.
Financial highlights
Q2 profit after tax before non-recurring interest was ₹418 crore, up 52% QoQ, driven by gold finance growth.
Pre-provision operating profit reached ₹1,033 crore, up 38% YoY and 23% QoQ.
Consolidated total income for Q2 FY26 was ₹3,309.16 crore, up from ₹2,560.72 crore in Q2 FY25.
Net interest income for Q2 FY26 was ₹1,065.1 crore, up 9% QoQ and 5% YoY.
Disbursements in Q2 FY26 were ₹23,475 crore, up 21.9% YoY.
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 loan and LAP; home loan AUM growth guided at 15%-18% YoY for H2.
ROA for the year expected at 2.5%-2.8%.
Focus remains on collateral-backed retail lending, especially gold, MSME secured, and home finance.
AI-led risk and governance systems and a phygital branch network (~4,800 branches) to drive growth and efficiency.
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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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