IIFL Finance Results Analysis

Interest Earned for Q2FY26 is Rs. 2,447 Crs., 23.94% growth YoY, Net Interest Income is Rs. 1,065 Crs., 5.3% growth YoY, Pre provision operating profit is Rs. 1,033 Crs., 38% growth YoY, PBT Rs. 557 Crs. Turned profitable from loss of 140 Cr., PAT Rs. 418 Crs. Turned profitable from loss of 93 Cr., Total AUM 90,122 Cr. 34.6% Growth YoY. For Q2FY26 Gross NPA 2.1% vs 2.4% in Q2FY25, Net NPA 1.00% vs 1.1% in Q2FY25 . On QoQ basis Interest Earned has achieved 8% growth, Net Interest Income has grown by 9%, Pre provision operating profit is grown by 23.5%, PBT is grown by 56.2%, PAT is grown by 52.4%, Total AUM also grown by 7.43% QoQ. Q2 FY26 marked a clean reset: gold loans hit Record AUM (Rs 34,577 cr) and strong tonnage growth (+16% QoQ), risky niches (micro-LAP and unsecured digital PL) have been fully discontinued; H2 credit cost is guided lower