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Investor Relations14 Oct 2025
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IIFL Finance (IIFL) investor relations material
IIFL Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary31 Jul, 2025
Executive summary
Consolidated profit after tax before controlling interest was INR 274 crore, up 9% quarter-on-quarter but down 19% year-over-year, reflecting recovery from last year's gold embargo.
Gold loan business fully recovered post-RBI embargo, reaching an all-time high AUM; asset quality and yield improved.
Strategic focus on retail, secured lending to small businesses and homes, with MSME lending as a key growth engine.
Leadership and governance have been strengthened, with new board members and a focus on compliance and innovation.
Board approved unaudited consolidated and standalone financial results for the quarter ended June 30, 2025, with limited review by joint statutory auditors and unmodified conclusions issued.
Financial highlights
Consolidated revenue from operations for Q1 FY26 was ₹2,952.83 crore, up from ₹2,621.02 crore year-over-year.
Pre-provision operating profit reached INR 836 crore, up 28% sequentially but down 31% year-over-year.
Loan AUM grew 21% year-over-year and 7% quarter-on-quarter, led by a strong rebound in gold loans.
Loan losses and provisions rose 104% year-over-year to ₹513 Cr.
Earnings per share (consolidated) for Q1 FY26: Basic ₹5.49, Diluted ₹5.45.
Outlook and guidance
AUM growth guidance for the year is 15–18% overall, with home loans expected to grow at a similar pace.
Approval received for 500 new branches, supporting continued growth momentum in gold loans.
Credit cost for the full year expected to moderate to 3%, after a higher first quarter.
Focus on asset quality improvement and risk recalibration in microfinance and MSME segments.
The company continues to monitor regulatory changes, including the pending implementation of the Code on Social Security, 2020.
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Next IIFL Finance earnings date
Q2 25/2623 Oct, 2025
Next IIFL Finance earnings date
Q2 25/2623 Oct, 2025
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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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