IIFL Finance Ltd (NSE:IIFL)

Q1 2027 IIFL Finance Ltd Earnings Call Transcript

Jul 22, 2026 / 11:30 AM GMT

Release Date Price: ₹570.35 (-0.25%)

Transcript

Key Points

Positve

IIFL Finance Ltd (BOM:532636) reported a strong return on equity of 19.5% and a return on assets of 3.1%, indicating robust profitability.
The company's assets under management (AUM) grew by 38% year-on-year, reaching 1.15 lakh crores, driven primarily by gold loans.
The pre-provision operating profit increased by 50% year-on-year, showcasing significant operational efficiency.
The company has maintained a high provision coverage ratio of 94% on non-performing assets, reflecting a strong risk management approach.
IIFL Finance Ltd (BOM:532636) successfully raised USD $500 million through social bond issuances, aimed at supporting income-generating loans for women and low-income borrowers.

Negative

The Reserve Bank of India trimmed the FY27 growth outlook to 6.6% and nudged inflation up to 5.1%, which could impact future financial performance.
Gross non-performing assets (NPA) increased slightly by 9 basis points quarter-on-quarter, indicating some pressure on asset quality.
The company faces challenges in maintaining capital adequacy, with the parent company's capital adequacy ratio being at the edge.
There is a cautious stance on unsecured MSME and microfinance segments due to potential risks, impacting growth in these areas.
The cost of borrowing has seen a slight uptick, influenced by higher costs in international markets, which could pressure margins.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

IIFL.NS - IIFL Finance Ltd
Q1 2027 IIFL Finance Ltd Earnings Call
Jul 22, 2026 / 11:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the IIFL Finance Limited Q1 FY27 Earnings Conference Call.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing and then 0 on your touchtone phone.

Please note that this conference is being recorded.

I now hand the conference call over to the management for the opening remarks.

Thank you and over to you.

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Unidentified_2 [2]
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