IIFL Finance (IIFL) investor relations material

Executive summary

• AUM reached ₹1,15,523 crore, up 38% year-over-year, with gold loans as the primary growth driver and 96.7% of AUM in core secured products.

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

• ROE stood at 24.3% (not annualized) and ROA at 3.1% for the quarter, reflecting strong profitability.

• AI-led operating model is delivering measurable impact in collections, fraud detection, and productivity.

• Board approved enabling resolution for fresh equity, pending shareholder approval.

Financial highlights

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

• Net interest income grew 13% QoQ and 34% YoY to ₹1,310.5 crore; total income up 5% QoQ and 34% YoY to ₹2,202.4 crore.

• Pre-provision operating profit rose 50% YoY to ₹1,252.4 crore.

• Basic EPS for the quarter was ₹15.9.

• 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 targeting 17%-18% book growth and over 30% disbursement growth for FY 2027.

• Credit cost guidance maintained at 1.5%-1.7% for FY 2027, with improvement expected as micro LAP portfolio is cleaned up.

• Equity raise planned to strengthen capital and support growth.

• Management expects no material adverse impact from ongoing tax proceedings.