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Strong Ownership: Promoter group holds 24.9% of shares. Institutional investors (52.1%) include Fairfax (15.2%), Capital Group (7.9%), Vanguard (2.2%), Blackrock (1.2%), and HSBC MF (2.1%).
Diversified portfolio: Gold loans (44.17%), home loans (32.43%), microfinance (8.50%), MSME secured (9.26%), MSME unsecured (3.62%) and other products, supporting risk diversification.
Secured nature of loan book: IIFL Finance Ltd. maintains strong asset quality, supported by a largely secured loan book (87.36% as of Dec ’25).
Strong Debt Partnerships: PSU banks (SBI, BOB, Union Bank, Canara), private sector banks (ICICI, Federal ) and NBFCs (Bajaj Finance, Aditya Birla Capital).
Strong growth momentum: AUM grew 26% to Rs 98,335 Cr (9M-FY26) from Rs 78,341 Cr (FY25), driven by a 107% rise in the Gold loan portfolio to Rs 43,432 Cr.
Strong Asset Quality: Net-NPAs declined to 0.75% in Dec’25 from 1.05% in Mar’25 and 1.20% in Mar’24, reflecting sustained improvement in credit performance.
Strong capitalization: Net worth is Rs 13,048 Cr. as of Dec’2025. Cash and bank balance of Rs. 5,282 Cr, CRAR is at 27.70%.
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