IIFL · IIFL Finance Ltd · Consumer Financial Services
IIFL · IIFL Finance Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
14.3% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹3,844 Cr
Revenue YoY
PAT YoY
+189.3%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
1.8
P/S (TTM)
1.9
Sector P/E
25.4
Dividend yield
+0.7%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| IIFL (this stock) | 10.3 | 1.8 | +15.7% | +15.1% | 5.01 | +0.7% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
falling 1q
MF
3.65% (-0.57pp)
falling 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
| canonicalSymbol | date | buy quantity | buyer count | deal strength | deal types present |
|---|---|---|---|---|---|
| IIFL | 2026-07-30 | 6173152 | 1 | STRONG | BULK |
News timeline
- lowgurufocus.com· 26 Oct 2026, 06:17 amQ2 2027 CG Power and Industrial Solutions Limited Earnings Call Transcript
- highcorporate actionbusiness-standard.com· 15 Oct 2026, 08:57 amIDBI Bank's $6 billion Fairfax deal signals zest for Indian assets
- loweconomictimes.indiatimes.com· 15 Oct 2026, 12:35 amFairfax's IDBI deal premium justified by strategic fit, scale: Analysts
- loweconomictimes.indiatimes.com· 22 Sept 2026, 09:20 amBeyond NSE IPO buzz: MSEI, CSE unlisted shares rally up to 108% in 2026
- lowthehindubusinessline.com· 21 Sept 2026, 02:30 pmSupporting PM Modi's call, IIFL Finance's Mayank Sharma believes recycling household gold is the fastest way to cut import bill
- mediumcorporate actionthehindubusinessline.com· 15 Sept 2026, 05:30 pmIIFL Finance Becomes First Non-PSU NBFC to Execute ₹25 Crores Tokenised Bond Transaction
- unknowneconomictimes.indiatimes.com· 11 Sept 2026, 12:43 amAdvent, Temasek in talks for Fairfax stake in IIFL Fin
- loweconomictimes.indiatimes.com· 01 Sept 2026, 12:35 pmAce investor Ashish Dhawan picks up 35 lakh shares in Religare Enterprises; stock jumps 5%
- unknowneconomictimes.indiatimes.com· 25 Aug 2026, 09:38 pmAhead of Market: 10 things that will decide stock market action on Wednesday
- lowbusiness-standard.com· 21 Aug 2026, 12:49 pmIIFL Finance soars 8%, hits new high on huge volume; what's driving stock?
- lowthehindubusinessline.com· 18 Aug 2026, 04:30 pmFitch Upgrades IIFL Finance to 'BB-'; Outlook Stable
- lowcorporate actionthehindubusinessline.com· 31 Jul 2026, 10:47 amCapital Group buys 1.5% stake in IIFL Fin for ₹374 cr; stock rises over 2%
Concalls & investor presentations
AI-generatedKey takeaway: IIFL Finance Limited reported strong financial results for Q2 FY27, with consolidated profit after tax reaching INR805 crores, a 13% increase quarter-on-quarter and 93% year-on-year. AUM grew to INR1.24 lakh crores, up 38% YoY and 8% QoQ. The company emphasized secured lending, with 90% of AUM secured, and improved asset quality, with gross NPA at 1.5%. Capital adequacy stood at 23.5%, and liquidity was INR13,805 crores. Strategic initiatives included AI integration, branch-led distribution, and co-lending partnerships with 18 banks. Gold loans accounted for 53% of the portfolio, while home loans and MSME loans contributed significantly. The company raised INR800 million through international bonds and discussed plans for equity fundraising, with dilution expected between 10-20%. Management highlighted challenges like potential impacts from IRDAI's insurance commission changes and yield compression in home loans, but expressed confidence in maintaining growth momentum and improving operating efficiency. The discussion concluded with management thanking participants and inviting further questions.
The summary reflects management's emphasis on strong financial performance, growth in AUM, improved asset quality, and strategic initiatives, indicating a positive outlook.
Sourced from an exchange-filed transcript, dated 22 Oct 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited reported strong Q2FY27 results, with PAT at ₹805 crore, up 13% QoQ and 93% YoY. Consolidated AUM reached ₹1.24 lakh crore, up 8% QoQ and 38% YoY. Total income rose 23% YoY to ₹2,339.6 crore, while pre-provision operating profit increased 31% YoY to ₹1,355.1 crore. Profit before tax rose 93% YoY to ₹1,073.7 crore. Key segments included gold loans (AUM ₹65,729 crore, up 13% QoQ), home finance (AUM ₹43,070 crore, up 4% QoQ), and MSME loans (AUM ₹11,948 crore, up 11% QoQ). Asset quality improved, with gross NPA at 1.5% (down 7 bps QoQ) and net NPA at 0.9% (up 5 bps QoQ). ROA was 3.1% and ROE 20.1% (annualized for H1FY27). The company completed a ₹25 crore tokenised bond transaction, the first by a non-PSU NBFC in India. Fitch upgraded IIFL's ratings to 'BB-' from 'B+' with a stable outlook. Strategic initiatives include expanding secured lending, AI-driven operations, and co-lending partnerships. The company also highlighted awards for CSR and innovation, including recognition as one of India's 'ET Iconic Brands of 2026' and 'Top 50 India's Best Workplaces for Women 2026'.
The document emphasizes strong financial performance, growth in AUM, improved asset quality, and strategic advancements, reflecting a positive outlook.
Sourced from an exchange-filed presentation, dated 15 Oct 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited provided an update regarding an Analyst/Institutional Investor Meeting organized by the company. The presentation intended for this meeting is accessible on the company's website. This communication follows an earlier notice sent on August 14, 2026, informing stock exchanges about the meeting. The document includes contact information for the corporate and registered offices of IIFL Finance Limited, as well as details for the stock exchanges where the company is listed.
The document conveyed factual information regarding an investor meeting and presentation availability.
Sourced from an exchange-filed presentation, dated 18 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited held its Q1 FY27 earnings conference call on July 22, 2026, where management provided insights into the macroeconomic environment and the company's performance. Nirmal Jain, Managing Director, noted that despite geopolitical pressures affecting growth and inflation, domestic credit demand remained resilient. The company reported a 38% year-on-year increase in assets under management (AUM), reaching INR 1.15 lakh crores, with gold loans being a significant growth driver. The return on equity was reported at 19.5%, while the gross non-performing assets (NPA) stood at 1.6%. Management highlighted a cautious approach towards unsecured lending and emphasized the importance of maintaining loan-to-value discipline. The CFO, Vikas Jain, shared that profit after tax increased by 14% quarter-on-quarter, and the company raised significant capital through various means. The call concluded with management expressing confidence in future growth and operational improvements.
Management highlighted strong financial performance and growth prospects.
Sourced from an exchange-filed transcript, dated 28 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited reported strong financial results for the quarter ended June 30, 2026, with a profit after tax (PAT) of ₹713.1 crore, reflecting a 14% increase quarter-on-quarter and a 160% increase year-on-year. The company's total income rose to ₹2,202.4 crore, a 34% year-on-year growth, while pre-provision operating profit increased by 50% year-on-year to ₹1,252.4 crore. The consolidated assets under management (AUM) reached ₹1,15,523 crore, up 7% quarter-on-quarter and 38% year-on-year. Management highlighted a strategic focus on secured lending, with gold loans being a significant growth driver, and noted improvements in asset quality with gross non-performing assets (NPA) at 1.6%. The company also emphasized its AI-led transformation initiatives aimed at enhancing operational efficiency. Additionally, IIFL Finance announced plans for an equity raise to strengthen its capital position.
Management highlighted strong growth and improved asset quality in the financial results.
Sourced from an exchange-filed presentation, dated 22 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited provided an update regarding scheduled meetings with institutional investors and analysts outside of India, which commenced on June 1, 2026, and continued until June 5, 2026. The company referenced a prior communication dated May 29, 2026, and indicated that the investor presentation is accessible on its website. The document included contact information for the corporate and registered offices, as well as details for the stock exchanges where the company is listed.
The document presented factual information regarding investor meetings and presentation availability.
Sourced from an exchange-filed presentation, dated 01 Jun 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited held its Q4 FY26 earnings conference call on April 29, 2026, where management provided insights into the macroeconomic environment and the company's strategic direction. Management reported that the Indian economy is showing resilience with steady GDP growth and strong credit demand, particularly in the retail and MSME segments. IIFL has focused on secured lending, capital-efficient growth, and an AI-led operating model. The company achieved a loan AUM of INR 1,08,180 crores, with gold loans being a significant growth driver. Management noted a cautious approach to microfinance and housing finance, with an emphasis on affordable home loans. The company also addressed ongoing tax assessments, expressing confidence in a favorable outcome. Overall, management highlighted improvements in asset quality and a positive trajectory for growth, particularly in secured lending and co-lending initiatives.
Management emphasized strong performance and strategic improvements.
Sourced from an exchange-filed transcript, dated 07 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited reported strong financial results for Q4FY26 and FY26, with a profit after tax (PAT) of ₹623 crore, reflecting a 24% quarter-on-quarter increase and a 148% year-on-year increase. The company's total income for Q4FY26 was ₹2,090 crore, up 51% year-on-year, while pre-provision operating profit rose 80% year-on-year to ₹1,173 crore. The consolidated assets under management (AUM) grew to ₹1,08,180 crore, marking a 10% quarter-on-quarter and 38% year-on-year increase. Management highlighted a strategic focus on secured lending, improved asset quality, and operational efficiency, with gross non-performing assets (NPA) improving to 1.5%. The company emphasized its AI-led transformation initiatives aimed at enhancing productivity and customer engagement. Additionally, IIFL Finance received multiple ESG ratings upgrades, reflecting its commitment to sustainability and governance.
Management reported strong growth and improved asset quality, highlighting successful strategic initiatives.
Sourced from an exchange-filed presentation, dated 29 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: IIFL Finance Limited provided an update regarding a Lenders & Analyst Meet organized by the company. The presentation related to this event is accessible on the company's website. The communication was directed to the listing departments of BSE Limited and the National Stock Exchange of India, ensuring compliance with the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015. The document included contact information for the corporate and registered offices of IIFL Finance Limited, as well as details for further correspondence.
The document conveyed information regarding a meeting and compliance without emphasizing growth or challenges.
Sourced from an exchange-filed presentation, dated 06 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedIIFL Finance Limited (IIFL) reported a market capitalization of ₹18,277 Crore as of March 31, 2026. The company declared an interim dividend of ₹4 per equity share (200% of face value) during FY2025-26. IIFL faced a ₹5.30 lakh penalty from the Reserve Bank of India (RBI) for non-compliance in classifying accounts as non-performing assets. The company maintained zero instances of non-compliance in other regulatory areas and completed its first-year external BRSR Core assurance with no major observations. IIFL has not defaulted on loan repayments or interest payments to lenders during the year.
- IIFL declared an interim dividend of ₹4 per equity share (200% of face value) during FY2025-26.
- The company received a ₹5.30 lakh penalty from RBI for non-compliance in classifying accounts as non-performing assets.
- IIFL maintained zero instances of non-compliance in other regulatory areas and completed its first-year external BRSR Core assurance with no major observations.
- The company has not defaulted on loan repayments or interest payments to lenders during FY2025-26.
Key takeaway: IIFL Finance Limited reported strong compliance and dividend distribution but faced a regulatory penalty for non-performing asset classification issues.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (3 items); Default / Covenant Breach (2 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
3 occurrencesRecent (last 12 months)
IIFL Finance Limited received an administrative penalty of ₹5.30 Lakhs from RBI in February 2026 for an NPA classification issue on restructuring, with no pronouncement on the validity of any customer transaction.
Earlier (1-3 years ago)
The Reserve Bank of India directed the company to cease and desist from sanctioning or disbursing gold loans or assigning/securitizing/selling any of its gold loans on March 04, 2024.
IIFL Finance Limited was fined ₹94,400 by BSE Limited and National Stock Exchange of India for not submitting annual audited financial results within sixty days of the financial year end as required by SEBI regulations.
Default / Covenant Breach
2 occurrencesRecent (last 12 months)
As of March 31, 2026, the Group has properties reposessed under SARFAESI Act, which are not held in the name of the Group.
Earlier (1-3 years ago)
The company has undisputed statutory dues in arrears for more than six months as of March 31, 2024, but there are no amounts listed in the excerpt. The company has disputes over income tax dues pending in various forums for assessment years 2008-09 to 2022-23.
Routine disclosures
Contingent Liability
3 occurrencesRecent (last 12 months)
The company has a contingent liability related to a claim not acknowledged as debt, with details provided as of March 31, 2026 and 2025.
Earlier (1-3 years ago)
The company has contingent liabilities including claims not acknowledged as debt, such as income tax demands, GST/service tax demands, profession tax demands, stamp duty, legal cases, and bank guarantees. The amount paid under protest for income tax demand is ₹76.32 Crores.
The company has contingent liabilities related to income tax, GST/Service tax, and profession tax demands, including accrued interest, as of March 31, 2024.
Related-Party Transaction
3 occurrencesRecent (last 12 months)
The company approved material related party transactions with IIFL Home Finance Limited, a subsidiary, up to ₹4,886 Crore, stating they are in the ordinary course of business and on an arm's length basis.
Earlier (1-3 years ago)
IIFL Finance Limited has entered into Inter-Corporate Deposit transactions with related parties, including IIFL Home Finance Limited, with amounts up to 1,500 crore, under unsecured terms with bullet repayment, for working capital and treasury management purposes.
IIFL Finance Limited has disclosed material related party transactions with entities like IIFL Home Finance Limited, IIFL Samasta Finance Limited, and others, involving inter-corporate deposits with aggregate values up to ₹1,500 Crore.
Statutory dues in dispute
1 occurrenceEarlier (1-3 years ago)
IIFL Finance Limited has pending disputes related to income tax, service tax, and GST dues, with amounts under dispute ranging from various periods and forums, including Bombay High Court, CIT(A), ITAT, and CESTAT Mumbai.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
4.29% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).