IIFL FINANCE Quarterly Results Analysis-Q2FY2027

Interest Earned for Q2FY27 is Rs. 4,069 Crs., 44.26% growth YoY, Net Interest Income is Rs. 2,161 Crs., 50.15% growth YoY, Total Income is Rs. 4,248 Crs., 28.38% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,355 Crs., 28.2% growth YoY, PBT is Rs. 1,074 Crs., 92.87% growth YoY, Net profit is Rs. 805 Crs., 92.61% growth YoY. On QoQ basis Interest Earned has achieved a growth of 9.29%, Net Interest Income has grown by 7.83%, Total Income has grown by 8.32%, Pre-Provisioning Operating Profit has grown by 8.2%, PBT also grown by 15.62%, PAT is also grown by 12.88%. For Q2FY27 Gross NPA 1.5% vs 2.1% in Q2FY26, Net NPA 0.9% vs 1% in Q2FY26. Return on Assets is 3.2% improved by 100 BPS YoY, return on Equity is 20.8% improved by 890 BPS YoY. Consolidated AUM grew to ₹1,24,268 Cr, up 8% QoQ and 38% YoY. Gold Loans: Gold loan AUM surged to ₹65,729 Cr, up 90% YoY and 13% QoQ, emerging as the primary growth driver. Business mix is now predominantly secured (90% of AUM), with gold loans 53% and home finance 27% of consolidated AUM. Strategy emphasis remains disciplined growth with high liquidity and tight asset-quality control.