Iifl Finance Limited · NSE:IIFL
Iifl Finance — Q1 FY27 Earnings Presentation
54 slides from Iifl Finance's earnings presentation, Jul 22, 2026
Slide 1: Cover letter to stock exchanges
July 22, 2026 The Manager, The Manager, Listing Department, Listing Department, BSE Limited, The National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Plot C/1, G Block, Dalal Street, Bandra - Kurla Complex, Bandra (E), Mumbai 400 001 Mumbai 400 051 BSE Scri
Slide 2: Annexure 1: Q1FY27 Results Press Release
Annexure 1 IIFL Finance Limited - Q1FY27 Results Press Release Press Release For immediate publication Mumbai, India | July 22, 2026 Strong Q1FY27 Performance: PAT at ₹713 Cr, up 14% QoQ; AUM crosses ₹1.15 lakh Cr. IIFL Finance Limited (“IIFL Finance”), a leading retail-focused NBFC, today announced
Slide 3: Business Segment Performance
Business Segment Performance • Gold Loans: Gold loan AUM surged to ₹58,406 Cr, up 114% YoY and 11% QoQ, emerging as the primary growth driver. Asset quality remained healthy with GNPA at 0.61% • Home Finance: AUM stood at ₹41,540 Cr, up 4% QoQ. Asset quality remained stable with GNPA at 1.46%, refle
Slide 4: Outlook
Outlook IIFL Finance enters the rest of FY27 with strong momentum, a robust balance sheet, and a clear strategic roadmap targeting ~25% AUM growth, ROA of 3.1-3.3%, ROE of 16-20%, and an off-book mix of 35-40% for the full year, focused on: • Scaling secured lending franchises • Expanding co-lending
Slide 5: Awards and Recognition
we also strengthened our global funding franchise with a US$500 million social bonds issuance and received a Ba3 (stable) rating from Moody’s. I look forward to building on this strong foundation and bringing continued rigour to our cost discipline and capital planning as we grow through FY27” Award
Slide 6: Performance Review Quarter ended June 2026
Annexure 2 Performance Review Quarter ended June 2026 July 22, 2026 IIFL FIN AN CE L TD. | Blo o m berg: IIFL IN | N SE:IIFL | BSE:532636
Slide 7: Contents | Q1FY27
Contents | Q1FY27 1 1 IIFL Finance Consolidated 3 – 14 2 FY27 Strategy 15– 20 3 IIFL Finance Standalone 21 – 27 4 IIFL Home Finance 28 – 33 5 IIFL Samasta Finance 34 – 39 6 Corporate Information 40 – 48 2
Slide 8: IIFL Finance (Consolidated)
IIFL FINANCE (CONSOLIDATED) Q1FY27 Update 3
Slide 9: IIFL Finance (Consolidated) Q1 FY27 Performance at a Glance
IIFL Finance (Consolidated) Q1 FY27 Performance at a Glance Loan AUM PPOP Gross NPA Net NPA PAT (pre NCI) Book Value ₹1,15,523 Cr ₹1,252.4 Cr 1.6% 0.8% ₹713.1 Cr ₹ 333.9 ▲ 7% QoQ ▲ 7% QoQ ▲ 9 bps ▲ 9 bps ▲ 14% QoQ ▲ 7% QoQ Liquidity ROA ROE CRAR Branches EPS ₹7,148 Cr 3.1%* 19.5% annualized 24.3%* 4
Slide 10: IIFL Finance (Consolidated): Key Highlights (1/2)
IIFL Finance (Consolidated): Key Highlights (1/2) AUM (₹ Cr) Asset Quality (%) AUM mix (%) 10% 9% 8% 8% 4% 3% 1,15,523 3.2 1,08,180 8% 8% 12% 15% 17% 13% 9% 9% 11% 12% 2.3 2.2 78,960 78,341 10% 11% 1.8 64,638 27% 49% 51% 1.8 1.5 51,210 32% 32% 30% 1.6 1.0 1.1 1.2 40% 0.8 35% 34% 35% 30% 29% 0.7 FY22
Slide 11: IIFL Finance (Consolidated): Key Highlights (2/2)
IIFL Finance (Consolidated): Key Highlights ( 2/2 ) CRAR (%*) Interest Spread (%) ROA / ROE (%) 28.4 28.2 16.4 17.2 16.1 16.5 20.6 19.9 27.7 16.3 18.4 RBI embargo 19.5 14.6 7 impact 7.4 8.2 6.7 7.3 7.5 13.1 6.1 25.3 24.3 3.4 2.7 3.3 3.4 2.4 3.1 9.0 9.0 9.4 9.0 9.1 8.5 0.9 FY22 FY23 FY24 FY25* FY26 Q
Slide 12: IIFL Finance (Consolidated): Income Statement
IIFL Finance (Consolidated): Income Statement ₹ Cr Q1FY27 Q4FY26 Q-o-Q% Q1FY26 Y-o-Y% FY26 Interest income 3,030.0 2,773.4 9% 2,265.2 34% 10,021.2 Interest expense (1,719.5) (1,609.6) 7% (1,288.8) 33% (5,717.4) Net interest income 1,310.5 1,163.8 13% 976.5 34% 4,303.8 Income from Off-book assets 786
Slide 13: IIFL Finance (Consolidated): Balance Sheet
IIFL Finance (Consolidated): Balance Sheet ASSETS (₹ Cr) LIABILITIES & EQUITY (₹ Cr) Financial Assets Financial Liabilities Cash and Bank Balances 4,891 Debt Securities 24,711 Receivables 70 Borrowings (Other) 43,824 Loan Assets 76,610 Subordinated Liabilities 5,459 Investments 5,842 Other financial
Slide 14: IIFL Finance (Consolidated): Loan Mix and Growth
IIFL Finance (Consolidated): Loan Mix and Growth Loan AUM (₹ Cr) Q1FY27 Q4FY26 Q-o-Q% Q1FY26 Y-o-Y% Home Loan 33,030 32,125 3% 32,017 3% Loan AUM (₹ Cr) Gold Loan 58,406 52,581 11% 27,274 114% 1,15,523 MSME Loan 10,808 9,916 9% 9,761 11% 1,08,180 11% a) MSME Secured 10,459 9,526 10% 8,978 17% 12% 78
Slide 15: IIFL Finance (Consolidated): Yield, Cost and Margins
IIFL Finance (Consolidated): Yield, Cost and Margins Yield % Q1FY27 Q4FY26 Q-o-Q% Q1FY26 Y-o-Y% Yield, Cost of Borrowing, Spread (%) Home Loan 10.50% 10.55% (0.05%) 10.89% (0.39%) 17.2 16.5 Gold Loan 18.57% 18.12% 0.45% 18.18% 0.39% 16.4 16.1 16.3 14.6 MSME Loan 16.35% 16.73% (0.38%) 17.91% (1.56%)
Slide 16: IIFL Finance (Consolidated): Asset Quality
IIFL Finance (Consolidated): Asset Quality GNPA & NNPA Trend (%) GNPA % Q1FY27 Q4FY26 Q-o-Q% Q1FY26 Y-o-Y% 3.15 Home Loan 1.02% 0.81% 0.21% 1.74% (0.72%) Gold Loan 0.61% 0.35% 0.26% 0.18% 0.43% MSME Loan 3.67% 3.65% 0.02% 4.53% (0.86%) 2.32 2.23 a) MSME Secured 3.69% 3.62% 0.07% 4.77% (1.08%) 1.83 1
Slide 17: IIFL Finance (Consolidated): Asset Quality & Provisioning
IIFL Finance (Consolidated): Asset Quality & Provisioning Loan Book (₹ Cr) 0 dpd 1-30 31-90 90+ Total S1 Prov% S2 Prov% S3 Prov% RBI ECL Home Loan 92.8% 3.1% 3.1% 1.0% 21,465 0.4% 3.7% 35.8% 105.5 180.9 Gold Loan 91.1% 4.5% 3.8% 0.6% 34,993 0.6% 0.8% 15.9% 171.3 244.2 MSME Loan 85.6% 5.9% 4.8% 3.7%
Slide 18: IIFL Finance (Consolidated): Liquidity and Funding
IIFL Finance (Consolidated): Liquidity and Funding Diversified Borrowing Mix (Outstanding On-Book exposure) 35,586 38,691 45,993 50,931 67,992 73,009 8% 2% 4% 10% 14% 12% 19% 19% 13% 16% 15% 17% 16% 15% 19% 14% 20% 20% 8% 7% 19% 23% 21% 19% 45% 49% 48% 37% 37% 36% FY22 FY23 FY24 FY25 FY26 Q1FY27 Ter
Slide 19: US$500 mn Social Bonds Issuance
IIFL Finance (Standalone): US$500 mn Social Bonds Issuance 144A / Reg S off GMTN Listed on India INX & NSE IX SPO Provider: Sustainable Fitch US$500mn Over US$1.8bn ~3.76x ORDERBOOK OVERSUBSCRIBED ISSUANCE IN JUNE 2026 Regions participated Asia 33% Europe & Middle East 31% USA/Canada 36% IIFL Financ
Slide 20: FY27 Strategy
FY27 STRATEGY Resilient, Capital-Efficient Growth 15
Slide 21: FY27 Strategy: Resilient, Capital-Efficient Growth
FY27 Strategy: Resilient, Capital-Efficient Growth Focussing on secured priority sector lending for superior asset quality and bank partnerships Our 6 Strategic Pillars Strategy Flywheel Secured Portfolio Anchor Asset Quality & 1 Gold Loans + Mortgages (HL/LAP) Trust → Lower risk, stable growth, sup
Slide 22: FY27 Strategy: Co-lending a Key Growth Driver
FY Strategy: Co-lending a Key Growth Driver ₹1,15,523 Cr ₹ 40,531 Cr 15 Consolidated AUM Off-book AUM (35%) Active bank co-lending partners Off-book mix across IIFL businesses (% of AUM, Q1FY27) RBI Co-Lending Directions, 2025 | Key Changes AUM Off-book Off-book DA Co-lending Entity (Product) (₹ Cr)
Slide 23: FY27 Strategy: AI Started Delivering Impact
FY27 Strategy: AI Started Delivering Impact The portfolio spans growth, frontline capability, risk, collections, credit and customer service. Voice AI Customer bot WIN-BACK Significant ML-led customer win- Grounded multilingual service 24/7 back via targeted voice calling with seamless human hand-of
Slide 24: FY27 Strategy: Estimated Impact of AI Projects Over 2-3 Years
FY27 Strategy: Estimated Impact of AI Projects Over 2-3 years Project PACE targets three value pools; Project AI Connect runs them on one orchestration layer with no vendor lock-in. PROJECT PACE — THREE VALUE POOLS 15–25% 8–20% 10–40% People productivity Operating cost Loss prevention frontline outp
Slide 25: Financial Targets: FY27 & 3-Year Plan
Financial Targets: FY27 & 3-Year Plan Near-term FY27 targets alongside the medium-term (FY28–FY29) trajectory across key performance metrics FY27 TARGETS ~25% 1.5-1.7% 3.1–3.3% 16–20% 35–40% ROE AUM Growth Credit Costs ROA Equity raise amount will have Off-Book Loan Assets impact 3-YEAR PLAN (FY28 –
Slide 26: IIFL Finance (Standalone)
IIFL FINANCE (STANDALONE) Q1FY27 Update 21
Slide 27: IIFL Finance (Standalone): Q1FY27 Performance Summary
IIFL Finance (Standalone): Q1FY27 Performance Summary Loan AUM Secured AUM PPOP Gross NPA Yield Spread 19.9% ₹63,170 Cr 95% ₹810.2 Cr 1.3% 18.5% 9.1% ▲ 10% QoQ ▲ 18% QoQ* ▲ 12 bps ▲ 39 bps QoQ ▲ 28 bps QoQ Customers Opex to avg AUM ROE Branches Avg ticket size 23.2 lakh 3.3% 24.6% 3,049 ₹1.04 Lakh N
Slide 28: IIFL Finance (Standalone): Financial Performance
IIFL Finance (Standalone): Financial Performance ₹ Cr Q1FY27 Q4FY26 Q-o-Q Q1FY26 Y-o-Y FY26 Interest income 1,729.7 1,578.4 10% 1,079.4 60% 5,305.0 Interest expense (1,036.8) (984.9) 5% (701.4) 48% (3,273.3) Net interest income 692.9 593.5 17% 378.0 83% 2,031.7 Income from off-book 579.0 543.2 7% 34
Slide 29: IIFL Finance (Standalone): Key Highlights (1/2)
IIFL Finance (Standalone): Key Highlights (1/2) AUM (₹ Cr) Profit After Tax (₹ Cr) ROA / ROE (%) 63,170 24.6 57,604 1,154 18.5 17.6 16.7 745 806 RBI embargo 585 11.1 impact RBI embargo 467 29,250 27,508 impact 3.3 3.5 3.7 25,573 2.3 2.8 21,109 (1.4) (410) (6.9) FY22 FY23 FY24 FY25 FY26 Q1FY27 FY22 F
Slide 30: IIFL Finance (Standalone): Key Highlights (2/2)
IIFL Finance (Standalone): Key Highlights (2/2) Interest Spread (%) Average ticket size (₹ lakhs) AUM mix (%) 15% 16% 7% 5% 19.3 18.1 18.5 19% 22% 17.8 18.1 1.13 100% 2% 16.4 1.04 2% 0.95 0.98 0.97 80% 4% 4% 4% 2% 0.92 8.7 10.1 8.2 8.8 9.1 60% 7.6 40% 81% 80% 91% 93% 77% 76% 20% 8.8 9.1 9.2 9.9 9.3
Slide 31: IIFL Finance (Standalone): Gold Loan Risk Management
IIFL Finance (Standalone): Gold Loan Risk Management On-boarding: Fraud checks, Bureau Checks, Lower of two independent valuations e-KYC or Lower of two valuations used Branch walk-in Independent gold valuation by 2 Valuers Bureau & AI-led fraud checks Upload KYC docs Branch Security Insurance Real-
Slide 32: IIFL Finance (Standalone): Loan Mix and Growth
IIFL Finance (Standalone): Loan Mix and Growth GOLD LOAN | ₹58,406 Cr | 92.5% of Total MSME LOAN | ₹ 1,661Cr | 2.6 % of Total NON-CORE | ₹3,104 Cr | 4.9 % of Total Secured MSME (LAP) ₹ 1,312 Cr CRE ₹169 Cr ATS ₹1.2L ATS: ₹232.0L | Yield: 14.20% Winding down Yield 18.57% Focus on mid-sized MSMEs in e
Slide 33: IIFL Home Finance
IIFL HOME FINANCE Q1FY27 Update 28
Slide 34: IIFL Home Finance: Q1FY27 Performance Summary
IIFL Home Finance: Q1FY27 Performance Summary AUM PPOP GNPA Incremental Yield PAT (Pre NCI) ₹41,540 Cr ₹311.3 Cr 1.46% 11.5% ₹185.5 Cr ▲ 4% QoQ 7% QoQ ▲ 24 bps QoQ ▲ 45 bps QoQ ▲ 5% QoQ Disbursements DSA Sourcing Home Loan Share Credit Cost Branches ₹3,175 Cr ▲ 39% QoQ 36% 79.5% ₹79 Cr 311 29
Slide 35: IIFL Home Finance: Financial Performance
IIFL Home Finance: Financial Performance ₹ Cr Q1FY27 Q4FY26 Q-o-Q Q1FY26 Y-o-Y FY26 Interest income 787.8 727.1 8% 730.2 8% 2,920.7 Interest expense (477.3) (435.2) (10%) (419.3) (14%) (1,719.5) Net interest income 310.6 291.8 6% 310.9 0% 1,201.2 Income from off-book 155.8 151.0 3% 170.4 (9%) 692.0
Slide 36: IIFL Home Finance: Key Highlights (1/2)
IIFL Home Finance: Key Highlights (1/2) ROA / ROE (%) AUM (₹ Cr) PAT (₹ Cr) 40,075 41,540 1,017 976 39,732 24.9 35,499 768 763 28,512 17.6 23,617 593 16.9 14.0 9.8 9.1 186 3.6 3.9 4.4 3.8 2.6 2.3 FY22 FY23 FY24 FY25 FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 Q1FY27 ROA ROE
Slide 37: IIFL Home Finance: Key Highlights (2/2)
IIFL Home Finance: Key Highlights (2/2) AUM mix (%) Interest Spread Average ticket size (₹ lakhs) 2 3 2 2 2 1 12.4 12.6 12.4 11.6 11.1 11.6 23 21 20 19 18 19 4.4 3.9 20.48 4.1 3.5 3.4 3.3 16.85 17.29 15.60 14.26 14.89 75 76 77 80 80 79 8.5 7.8 8.3 8.3 8.1 8.2 FY22 FY23 FY24 FY25 FY26 Q1FY27 FY22 FY2
Slide 38: IIFL Home Finance: Loan Mix and Growth
IIFL Home Finance: Loan Mix and Growth HOME LOAN | ₹33,030 Cr | 79.5% of total MSME SECURED (LAP) | ₹7,807 Cr | 18.8% of total AFFORDABLE PROJ FINANCE | ₹703 Cr | 1.7% of total ATS ₹16.62 Lakhs ATS ₹17.66 Lakhs ATS ₹730.29 Lakhs Yield 10.50% Yield 15.76% Yield 15.07% Tenor Upto 25 years Tenor Upto 1
Slide 39: IIFL Samasta Finance
IIFL SAMASTA FINANCE Q1FY27 Update 34
Slide 40: IIFL Samasta Finance: Q1FY27 Performance Summary
IIFL Samasta Finance: Q1FY27 Performance Summary Disbursements AUM GNPA NNPA PAT ₹1,966 Cr ₹10,813 Cr 3.3% 1.0% ₹61 Cr 28.1% QoQ ▲53.4% YoY ▲ 3.0% QoQ ▲1% QoQ ▲ ▲ 16 bps QoQ ▲ 50 bps QoQ Customers CRAR ROE Branches Avg ticket size ₹21.3 lakh 24.9% 12.6% 1,615 ₹ 0.69 Lakh 35
Slide 41: IIFL Samasta Finance: Financial Performance
IIFL Samasta Finance: Financial Performance ₹ Cr Q1FY27 Q4FY26 Q-o-Q Q1FY26 Y-o-Y FY26 Interest income 488.2 442.9 10% 423.6 15% 1,674.0 Interest expense (208.2) (196.4) (6%) (185.7) (12%) (767.4) Net interest income 280.0 246.5 14% 237.9 18% 906.6 Income from off-book 51.9 81.1 (36%) 45.4 14% 281.8
Slide 42: IIFL Samasta Finance: Key Highlights (1/2)
IIFL Samasta Finance: Key Highlights (1/2) AUM (₹ Cr) PAT (₹ Cr) ROA / ROE (%) 14,211 503 11,101 31.5 10,552 10,501 10,813 6,484 11.4 12.6 128 6.3 1.1 61 5.0 1.1 51 20 21 1.7 2.4 0.9 0.2 0.2 FY22 FY23 FY24 FY25 FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 Q1FY27 Return on Ass
Slide 43: IIFL Samasta Finance: Key Highlights (2/2)
IIFL Samasta Finance: Key Highlights (2/2) AUM mix (%) Interest Spread Average ticket size (₹ lakhs) 2 3 3 4 5 23.8 24.4 24.1 24.3 24.4 3 4 5 3 4 3 21.9 5 5 12 0.69 0.68 7 8 11 13 14.2 0.54 12.3 13.7 13.9 14.3 14.6 0.44 0.48 0.39 90 86 84 79 80 81 9.6 10.1 10.3 10.2 10.0 9.8 FY22 FY23 FY24 FY25 FY26
Slide 44: IIFL Samasta Finance: Loan Mix and Growth
IIFL Samasta Finance: Loan Mix and Growth GROUP LOANS (MFI) | ₹8,721 Cr | 81% of Total MSME LOAN | ₹1,744 Cr | 16% of Total DAIRY LOAN | ₹348 Cr | 3% of Total Secured MSME (LAP) ₹1,340 Cr ATS ₹0.60L ATS ₹0.68L ATS: ₹4.81L | Yield: 22.47% Yield 24.59% Yield 24.8% For graduating MFI customers CGMFU Co
Slide 45: Corporate Information
CORPORATE INFORMATION Group Structure, Strategy & Governance 40
Slide 46: IIFL Finance: Group Structure and Ownership
IIFL Finance: Group Structure and Ownership IIFL Finance ~ 80% (Listed) ~ 100% Shareholding Pattern % holding IIFL Home Finance IIFL Samasta Finance Promoters 24.8 Institutional Investors 46.5 Home Loan Gold Loan Microfinance Fairfax 15.2 LAR, CRE Secured MSME Loan Other Retail Bank Muscat India Fun
Slide 47: Distinguished Board of Directors in the Company & its Subsidiaries
Distinguished Board of Directors in the Company & its Subsidiaries Govinda Rajulu B. P. Kanungo Gopalakrishnan Srinivasan Sridhar Chintala Chairman & Independent Soundarajan Chairman & Non- Chairman & Director Non-Executive Director Executive Director Independent Director Former Dy Governor, RBI Fai
Slide 48: An Experienced Senior Management with Strong Credentials
An Experienced Senior Management with Strong Credentials R Venkataraman Girish Kousgi N Venkatesh Nirmal Jain Joint Managing Director MD & CEO, IIFL MD, IIFL Samasta Finance Managing Director PGDM-IIMB, BE – IIT, Home Finance Leadership program in PGDM-IIMA, CA, CWA Kharagpur MBA, BCom Microfinance
Slide 49: ESG at IIFL Finance: Strategy & Performance
ESG at IIFL Finance: Strategy & Performance Embedding sustainability into the core of business — recognised by external ratings Environmental Social Governance Climate-conscious operations Inclusive growth + community Strong oversight & transparency ● ISO 14001:2015 certified for 3 large branches ⚫
Slide 50: Environmental & Social: Action on the Ground
Environmental & Social: Action on the Ground Resource efficiency in operations + targeted community impact in aspirational districts Environmental Initiatives Social Initiatives — IIFL Foundation Miyawaki Plantation CSR in Aspirational Districts (Government-identified) IIFL Foundation is undertaking
Slide 51: Governance, Disclosures & External Recognition
Governance, Disclosures & External Recognition Strong board oversight, audited disclosures, and sector leadership Board-Level ESG Committee First Year of External BRSR Assurance Globally Aligned Disclosures Oversees and approves all ESG initiatives. ESG function Reasonable Assurance for BRSR Core (I
Slide 52: Environment, Social & Governance - Social
Environment, Social & Governance - Social CSR projects continue with creative use of technology Banking and Finance Course for Marginalized Support to Tattva University- Maharashtra Youth -Maharashtra ▪ Training program in Banking and Finance for youths ▪ Supporting the construction of Tattva from l
Slide 53: Reconciliation: Consolidated Results with Group Entities
Reconciliation: Consolidated Results with Group Entities Intergroup & Q1FY27 (₹ Cr) Standalone Home Finance Samasta Consolidated Other Subsidiaries Interest income 1,729.7 787.8 488.2 24.3 3,030.0 Interest expense (1,036.8) (477.3) (208.2) 2.8 (1,719.5) NII 692.9 310.6 280.0 27.1 1,310.5 Non-fund in
Slide 54: Thank You
Thank You Published July 2026 IIFL Finance Ltd. All rights reserved. Regd. Off: IIFL House, Sun Infotech Park, Road No. 16V, Plot No.B-23, Thane – 400604. This report is for information purposes only and does not construe to be any investment, legal or taxation advice. It is not intended as an offer