IIFL Finance Limited has informed the Exchanges regarding Press Release and Investor Presentation on Audited Financial Results for the quarter and year ended March 31, 2025
Awaiting price reaction for this filing.
IIFL Finance reported a strong Q4FY25 recovery with consolidated profit after tax of ₹251 Cr, up 208% quarter-on-quarter, reflecting a decisive rebound after last year's RBI gold loan embargo. Loan assets under management rose 10% QoQ to ₹78,341 Cr, though down 1% year-on-year. The gold loan book surged 40% QoQ to ₹21,022 Cr post the September 2024 embargo lifting, while home loans grew 15% YoY to ₹31,588 Cr. Asset quality improved with gross NPA at 2.2% (-19 bps QoQ) and net NPA at 1.0%. The company maintained a healthy 29% consolidated capital adequacy ratio and a ₹5,216 Cr liquidity buffer. Management guided FY26 growth of 15-18% for home loans, 25-30% for gold and MSME, and an ROE recovery to ~16% (versus 3.4% in FY25).
Sharp sequential recovery in profitability and gold loan rebound suggest the worst of the regulatory hit is behind the company. The FY26 guidance for double-digit growth across segments and a meaningful ROE recovery is a positive signal for the stock, though year-on-year metrics still carry the drag from the FY25 embargo period.