IIFL Finance Ltd.
IIFLFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
19 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 19 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20220204 | 2021-12-31 | yes | |
| TRANSCRIPT | 20220506 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220804 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221103 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230207 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230505 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230804 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231027 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240125 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240625 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240814 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241031 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250220 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250516 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250807 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251107 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260128 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260507 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260728 | 2026-06-30 | yes |
IIFL
files as a non-banking financial company. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | nbfc |
| Scope served | consolidated |
| Panels on this page | 4 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 617.55 |
| 52-week range | 419.35 – 696.4 |
| Return 1M | -7.31% |
| Return 3M | 21.16% |
| Return 1Y | 39.8% |
| Return 3Y | 7.28% |
| Return 5Y | 122.46% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Revenue from operations | 3,919.00 |
| Other income | 3.00 |
| Total income | 3,922.00 |
| Cost of materials consumed | 0.00 |
| Purchases of stock-in-trade | 0.00 |
| Changes in inventories | 0.00 |
| Employee benefit expense | 599.00 |
| Finance costs | 1,719.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.25 | 0.00 |
| institutions foreign | 0.24 | -0.04 |
| institutions domestic | 0.07 | 0.00 |
| mutual funds | 0.04 | -0.01 |
| public | 0.75 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 19 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
| Line | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 2,023.00 | 2,121.00 | 2,181.00 | 2,305.00 | 2,476.00 | 2,647.00 | 2,854.00 | 2,613.00 | 2,572.00 | 2,443.00 | 2,591.00 | 2,953.00 | 3,305.00 | 3,427.00 | 3,692.00 | 3,919.00 |
| Other income | 29.00 | 24.00 | 95.00 | 65.00 | 58.00 | 47.00 | 69.00 | 12.00 | 5.00 | 6.00 | 3.00 | 6.00 | 4.00 | 5.00 | 7.00 | 3.00 |
| Total income | 2,051.00 | 2,145.00 | 2,276.00 | 2,371.00 | 2,534.00 | 2,694.00 | 2,922.00 | 2,625.00 | 2,577.00 | 2,449.00 | 2,594.00 | 2,959.00 | 3,309.00 | 3,433.00 | 3,700.00 | 3,922.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 324.00 | 333.00 | 366.00 | 380.00 | 415.00 | 434.00 | 456.00 | 459.00 | 484.00 | 479.00 | 467.00 | 496.00 | 508.00 | 565.00 | 542.00 | 599.00 |
| Finance costs | 776.00 | 810.00 | 861.00 | 888.00 | 932.00 | 988.00 | 1,074.00 | 1,034.00 | 979.00 | 996.00 | 1,169.00 | 1,289.00 | 1,382.00 | 1,437.00 | 1,610.00 | 1,719.00 |
| Depreciation and amortisation | 37.00 | 39.00 | 42.00 | 42.00 | 43.00 | 45.00 | 50.00 | 46.00 | 46.00 | 46.00 | 51.00 | 47.00 | 47.00 | 53.00 | 64.00 | 63.00 |
| Other expenses | 190.00 | 194.00 | 206.00 | 211.00 | 219.00 | 248.00 | 352.00 | 399.00 | 215.00 | 336.00 | 249.00 | 259.00 | 315.00 | 302.00 | 312.00 | 288.00 |
| Total expenses | 1,522.00 | 1,589.00 | 1,682.00 | 1,752.00 | 1,850.00 | 1,978.00 | 2,368.00 | 2,189.00 | 2,130.00 | 2,348.00 | 2,285.00 | 2,603.00 | 2,752.00 | 2,770.00 | 2,867.00 | 2,993.00 |
| Profit before exceptional items and tax | 529.00 | 555.00 | 594.00 | 618.00 | 684.00 | 716.00 | 554.00 | 436.00 | 447.00 | 101.00 | 309.00 | 356.00 | 557.00 | 663.00 | 833.00 | 929.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -586.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 529.00 | 555.00 | 594.00 | 618.00 | 684.00 | 716.00 | 554.00 | 436.00 | -140.00 | 101.00 | 309.00 | 356.00 | 557.00 | 663.00 | 833.00 | 929.00 |
| Current tax | 83.00 | 93.00 | 138.00 | 149.00 | 188.00 | 166.00 | 118.00 | 164.00 | 128.00 | 34.00 | 33.00 | 68.00 | 41.00 | 89.00 | 197.00 | 308.00 |
| Deferred tax | 50.00 | 38.00 | -2.00 | -3.00 | -30.00 | 5.00 | 5.00 | -66.00 | -175.00 | -15.00 | 25.00 | 14.00 | 97.00 | 72.00 | 12.00 | -93.00 |
| Tax expense | 132.00 | 132.00 | 136.00 | 146.00 | 158.00 | 171.00 | 123.00 | 98.00 | -47.00 | 19.00 | 58.00 | 82.00 | 139.00 | 162.00 | 209.00 | 216.00 |
| Profit for the period | 397.00 | 423.00 | 458.00 | 473.00 | 526.00 | 545.00 | 431.00 | 338.00 | -93.00 | 82.00 | 251.00 | 274.00 | 418.00 | 501.00 | 623.00 | 713.00 |
| Profit attributable to owners | 380.00 | 378.00 | 413.00 | — | 474.00 | 490.00 | 373.00 | 288.00 | -158.00 | 41.00 | 208.00 | 233.00 | 376.00 | 464.00 | 587.00 | 675.00 |
| Profit attributable to non-controlling interests | 18.00 | 45.00 | 45.00 | — | 51.00 | 55.00 | 57.00 | 50.00 | 65.00 | 41.00 | 44.00 | 41.00 | 42.00 | 37.00 | 36.00 | 38.00 |
| Other comprehensive income | 25.00 | 2.00 | 4.00 | -19.00 | 12.00 | -4.00 | -7.00 | -1.00 | -5.00 | 3.00 | -10.00 | -10.00 | -6.00 | 6.00 | 26.00 | 12.00 |
| Total comprehensive income | 422.00 | 425.00 | 462.00 | 454.00 | 538.00 | 541.00 | 424.00 | 337.00 | -98.00 | 84.00 | 242.00 | 265.00 | 412.00 | 507.00 | 649.00 | 725.00 |
| Earnings per share, basic | 9.99 | 9.96 | 10.86 | 11.18 | 12.45 | 12.86 | 9.79 | 7.24 | -3.72 | 0.96 | 4.89 | 5.49 | 8.86 | 10.92 | 13.80 | 15.87 |
| Earnings per share, diluted | 9.94 | 9.90 | 10.79 | 11.11 | 12.28 | 12.70 | 9.68 | 6.96 | -3.72 | 0.95 | 4.85 | 5.45 | 8.80 | 10.85 | 13.72 | 15.78 |
| Interest earned | 1,777.00 | 1,919.00 | 2,045.00 | 2,199.00 | 2,358.00 | 2,563.00 | 2,720.00 | 2,472.00 | 2,318.00 | 2,231.00 | 2,483.00 | 2,583.00 | 2,821.00 | 3,019.00 | 3,330.00 | 3,723.00 |
| Fees and commission income | 47.00 | 56.00 | 92.00 | 85.00 | 104.00 | 85.00 | 134.00 | 101.00 | 130.00 | 154.00 | 101.00 | 108.00 | 105.00 | 128.00 | 157.00 | 121.00 |
| Net gain on fair value changes | 40.00 | -4.00 | 36.00 | 22.00 | 14.00 | 0.00 | 0.00 | 40.00 | 122.00 | 58.00 | 7.00 | 33.00 | 25.00 | 0.00 | 0.00 | 0.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Annual results, as filed
| Line | 2019-03-31 | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 4,988.00 | 4,739.00 | 5,840.00 | 6,836.00 | 8,259.00 | 10,249.00 | 10,211.00 | 13,351.00 |
| Other income | 107.00 | 82.00 | 150.00 | 170.00 | 188.00 | 241.00 | 26.00 | 23.00 |
| Total income | 5,096.00 | 4,821.00 | 5,989.00 | 7,006.00 | 8,447.00 | 10,490.00 | 10,237.00 | 13,374.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 683.00 | 746.00 | 723.00 | 931.00 | 1,330.00 | 1,685.00 | 1,889.00 | 2,111.00 |
| Finance costs | 2,586.00 | 2,397.00 | 2,626.00 | 2,991.00 | 3,222.00 | 3,883.00 | 4,170.00 | 5,717.00 |
| Depreciation and amortisation | 32.00 | 106.00 | 105.00 | 122.00 | 153.00 | 181.00 | 189.00 | 211.00 |
| Other expenses | 770.00 | 422.00 | 362.00 | 539.00 | 765.00 | 1,078.00 | 1,199.00 | 1,189.00 |
| Total expenses | 4,070.00 | 4,096.00 | 4,985.00 | 5,470.00 | 6,335.00 | 7,919.00 | 8,944.00 | 10,965.00 |
| Profit before exceptional items and tax | 1,025.00 | 725.00 | 1,005.00 | 1,536.00 | 2,113.00 | 2,572.00 | 1,294.00 | 2,409.00 |
| Exceptional items | 105.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -586.00 | 0.00 |
| Profit before tax | 1,130.00 | 725.00 | 1,005.00 | 1,536.00 | 2,113.00 | 2,572.00 | 707.00 | 2,409.00 |
| Current tax | 323.00 | 174.00 | 322.00 | 328.00 | 360.00 | 608.00 | 359.00 | 396.00 |
| Deferred tax | 2.00 | 48.00 | -78.00 | 19.00 | 145.00 | -10.00 | -230.00 | 196.00 |
| Tax expense | 325.00 | 222.00 | 244.00 | 348.00 | 505.00 | 598.00 | 129.00 | 592.00 |
| Profit for the period | 804.00 | 503.00 | 761.00 | 1,188.00 | 1,608.00 | 1,974.00 | 578.00 | 1,817.00 |
| Profit attributable to owners | 691.00 | 502.00 | 760.00 | 1,188.00 | 1,500.00 | 1,764.00 | 379.00 | 1,661.00 |
| Profit attributable to non-controlling interests | 114.00 | 2.00 | 1.00 | 0.00 | 107.00 | 211.00 | 199.00 | 156.00 |
| Other comprehensive income | -10.00 | -7.00 | -24.00 | 9.00 | 32.00 | -17.00 | -13.00 | 15.00 |
| Total comprehensive income | 794.00 | 497.00 | 736.00 | 1,197.00 | 1,640.00 | 1,957.00 | 565.00 | 1,832.00 |
| Earnings per share, basic | 21.38 | 13.27 | 20.09 | 31.33 | 39.49 | 46.29 | 9.07 | 39.07 |
| Earnings per share, diluted | 21.34 | 13.24 | 20.04 | 31.14 | 39.18 | 45.71 | 8.73 | 38.75 |
| Interest earned | — | 4,619.00 | 5,412.00 | 6,195.00 | 7,369.00 | 9,839.00 | 9,504.00 | 11,754.00 |
| Fees and commission income | — | 119.00 | 111.00 | 153.00 | 229.00 | 411.00 | 486.00 | 498.00 |
| Net gain on fair value changes | — | 0.00 | 172.00 | 77.00 | 147.00 | 0.00 | 219.00 | 30.00 |
| Dividend income | — | 1.00 | 6.00 | 0.00 | 0.00 | 0.00 | 2.00 | 0.00 |
| Rental income | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Total assets | 48,680.00 | 53,001.00 | 55,346.00 | 62,421.00 | 55,372.00 | 67,644.00 | 76,012.00 | 89,059.00 |
| Property, plant and equipment | 180.00 | 176.00 | 164.00 | 168.00 | 154.00 | 163.00 | 166.00 | 177.00 |
| Capital work-in-progress | 7.00 | 27.00 | 35.00 | 52.00 | 58.00 | 22.00 | 5.00 | 6.00 |
| Goodwill | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other intangible assets | 3.00 | 273.00 | 3.00 | 5.00 | 4.00 | 8.00 | 8.00 | 7.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and cash equivalents | 4,504.00 | 3,631.00 | 2,322.00 | 2,470.00 | 1,925.00 | 2,067.00 | 2,540.00 | 3,328.00 |
| Total equity and liabilities | 48,680.00 | 53,001.00 | 55,346.00 | 62,421.00 | 55,372.00 | 67,644.00 | 76,012.00 | 89,059.00 |
| Equity | 9,480.00 | 10,202.00 | 11,219.00 | 12,056.00 | 13,638.00 | 13,955.00 | 14,631.00 | 15,619.00 |
| Equity share capital | 76.00 | 76.00 | 76.00 | 76.00 | 85.00 | 85.00 | 85.00 | 85.00 |
| Other equity | 8,283.00 | 10,126.00 | 9,835.00 | 10,561.00 | 12,019.00 | 12,327.00 | 12,885.00 | 13,835.00 |
| Total liabilities | 39,199.00 | — | — | — | — | 53,689.00 | 61,381.00 | 73,440.00 |
Cash flow, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -182.00 | -4,941.00 | -2,047.00 | -5,848.00 | 5,636.00 | -4,781.00 | -4,475.00 | -13,976.00 |
| Net cash from investing activities | -2,729.00 | -2,730.00 | 651.00 | -1,356.00 | -332.00 | -1,149.00 | -2,143.00 | -2,606.00 |
| Net cash from financing activities | 1,203.00 | 5,090.00 | 88.00 | 6,042.00 | -5,848.00 | 5,526.00 | 7,092.00 | 17,843.00 |
| Purchase of property, plant and equipment | 131.00 | 261.00 | 85.00 | 268.00 | 46.00 | 61.00 | 31.00 | 81.00 |
| Net increase in cash | -1,708.00 | -2,581.00 | -1,309.00 | -1,162.00 | -545.00 | -403.00 | 474.00 | 1,262.00 |
| con:CFO.BEFORE_TAX | 934.00 | -3,044.00 | -106.00 | -1,758.00 | -2,887.00 | -4,413.00 | -2,156.00 | -3,898.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 7,219.00 | 4,387.00 | 9,618.00 | 4,558.00 | 9,285.00 | 5,201.00 | 11,346.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 2,506.00 | 1,065.00 | 2,996.00 | 1,976.00 | 4,244.00 | 2,674.00 | 5,797.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 2.00 | 2.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 106.00 | 277.00 | 325.00 | 684.00 | 216.00 | 436.00 | 176.00 | 410.00 |
| con:CF_OTHER.OPERATING | -1,010.00 | -6,333.00 | -4,938.00 | -10,028.00 | 6,154.00 | -4,974.00 | -4,671.00 | -15,217.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 3.00 | 3.00 | 42.00 | 43.00 | 2.00 | 2.00 | 1.00 | 2.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-05-17 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 24.84 | 24.81 | 24.79 | 24.78 | 24.92 | 24.91 | 24.91 | 24.90 | 24.89 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 |
| Domestic institutions | 5.54 | 7.31 | 8.27 | 8.61 | 9.14 | 7.43 | 6.24 | 4.49 | 5.53 | 0.08 | 0.09 | 0.09 | 0.07 | 0.07 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 0.06 | 0.07 | 0.07 | 0.04 | 0.04 |
| Insurance companies | 1.89 | 0.89 | 0.42 | 0.55 | 1.25 | 1.28 | 1.76 | 0.26 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 |
| Foreign institutions | 28.64 | 28.31 | 31.27 | 29.13 | 28.51 | 30.31 | 29.64 | 27.79 | 28.03 | 0.27 | 0.27 | 0.28 | 0.28 | 0.24 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 75.16 | 75.19 | 75.21 | 75.22 | 75.08 | 75.09 | 75.09 | 75.10 | 75.11 | 0.75 | 0.75 | 0.75 | 0.75 | 0.75 |
| Non-institutional | 40.98 | 39.58 | 35.67 | 37.47 | 37.42 | 37.35 | 39.20 | 42.83 | 41.54 | 0.40 | 0.39 | 0.38 | 0.40 | 0.44 |
| Shares outstanding | 380569440 | 381135329 | 381321315 | 381548435 | 424003088 | 424190971 | 424242217 | 424479416 | 424516570 | 424930467 | 424990678 | 425227927 | 425289575 | 425324987 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| FIH Mauritius Investments Limited | Other | Any other transaction | 2,844,000,000.00 | 1 |
| IIFL Home Finance Limited | Subsidiary | Any other transaction | 1,295,600,000.00 | 8 |
| IIFL Samasta Finance Limited | Subsidiary | Any other transaction | 1,228,700,000.00 | 2 |
| Livlong Protection & Wellness Solutions Limited | Group Company | Any other transaction | 389,800,000.00 | 4 |
| IIHFL Sales Limited | Subsidiary | Any other transaction, Inter-corporate deposit, Inte | 151,000,000.00 | 11 |
| India Infoline Foundation | Group Company | Any other transaction | 127,800,000.00 | 4 |
| Monu Ratna - (CEO) | MD & CEO | Remuneration | 104,000,000.00 | 1 |
| IIFL Securities Limited | Group Company | Any other transaction | 101,000,000.00 | 15 |
| IIFL Facilities Services Limited | Group Company | Any other transaction | 86,000,000.00 | 12 |
| Livlong Insurance Brokers Limited (Formerly IIFL Insurance B | Group Company | Any other transaction | 65,000,000.00 | 1 |
| Nirmal Jain | KMP | Any other transaction, Remuneration | 51,700,000.00 | 2 |
| Open Financial Technologies Private Limited | Other | Any other transaction | 23,400,000.00 | 2 |
| 360 One Prime Limited | Group Company | Any other transaction | 20,900,000.00 | 1 |
| 360 ONE WAM LIMITED (Ernstwhile IIFL WEALTH MANAGEMENT LIMIT | Group Company | Any other transaction | 20,500,000.00 | 2 |
| Kapish Jain | KMP | Any other transaction, Remuneration | 17,700,000.00 | 3 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-28 | Q1FY27 | FINANCE LIMITED, LIMITED | Read the call |
| 2026-05-07 | Q4FY26 | FINANCE LIMITED, SAMASTA FINANCE LIMITED | Read the call |
| 2026-01-28 | Q3FY26 | DIRECTOR, IIFL FINANCE LIMITED, FINANCE LIMITED | Read the call |
| 2025-11-07 | Q2FY26 | FINANCE LIMITED | Read the call |
| 2025-08-07 | Q1FY26 | FINANCE LIMITED, HOME FINANCE LIMITED, IIFL FINANCE LIMITED, LIMITED, SAMASTA FINANCE LIMI | Read the call |
| 2025-05-16 | Q4FY25 | FINANCE LIMITED, IIFL FINANCE LIMITED, IIFL HOUSING FINANCE LIMITED, SAMASTA FINANCE LIMIT | Read the call |
| 2025-02-20 | Q3FY25 | DIRECTOR, IIFL FINANCE LIMITED, FINANCE LIMITED, IIFL HOME FINANCE LIMITED, SAMASTA FINANC | Read the call |
| 2024-10-31 | Q2FY25 | FINANCE LIMITED, HOME FINANCE LIMITED, IIFL FINANCE LIMITED, SAMASTA FINANCE LIMITED | Read the call |
| 2024-08-14 | Q1FY25 | DIRECTOR, IIFL FINANCE LIMITED, FINANCE LIMITED, IIFL HOME FINANCE LIMITED, IIFL SAMASTA F | Read the call |
| 2024-06-25 | Q4FY24 | IIFL FINANCE LIMITED, IIFL HOME FINANCE LIMITED | Read the call |
| 2024-01-25 | Q3FY24 | Mona Khetan:, Thank you, Kapish sir. | Read the call |
| 2023-10-27 | Q2FY24 | Read the call | |
| 2023-08-04 | Q1FY24 | Read the call | |
| 2023-05-05 | Q4FY23 | FINANCE LIMITED | Read the call |
| 2023-02-07 | Q3FY23 | Read the call | |
| 2022-11-03 | Q2FY23 | RELATIONS. | Read the call |
| 2022-08-04 | Q1FY23 | Read the call | |
| 2022-05-06 | Q4FY22 | FINANCE, IIFL FINANCE, IIFL SAMASTA FINANCE, IIFL – HOME FINANCE | Read the call |
| 2022-02-04 | Q3FY22 | Read the call |
What they said about it, quarter by quarter
| Topic | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY22 | Q4FY23 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | — | — | — | — | I mean, some of them can take it for expansion also, for capex also. | — |
| Capital allocation | — | — | We also declared an interim dividend of INR 4 per share, which was approved by the Board of Directors and will be paid in due course. | — | — | — | — | — |
| Costs | — | — | — | — | But going forward our strategy is to monetize our branches, make them more operational and more efficient, along with other cost savings initiative th… | — | It will not be materially different, because we'll have some other cost savings also and these expenditures will be spread out. | — |
| Debt and cash | — | Many a times these borrowers are also MSME, and they need it for working capital of business, then overall system credit reduces, they are not going t… | So, actually, it will not be cash flow negative whenever over a period of amortization. | Besides the relaxation from say up to 25% you can do non MFI loans, the income-based criteria, the cash flow-based amount of loan. all those things wi… | — | — | So normally the higher working capital banks will be willing to consider application, but normally these small customers get ignored. | In that case, as per the new guidelines, we'll have to assess the cash flows of the customers or are we going to classify them as consumption loans? |
| Demand | And there is no demand period, Abhijit, on the other side. | Is the demand strong enough for us to get us there? | There is no tax demand, no penalty, and no determination against the company pursuant to this direction. | We have seen that the credit environment has improved significantly in terms of not only demand, but also collection efficiency and the repayment. | If monsoon is good, then the rural demand will come back. | A few have joined and a few more are in pipeline. | But there are quite a few things in pipeline. | Importantly, credit demand, particularly from the retail and MSME segment remains strong and these are the sectors which are structurally under penetr… |
| Guidance | Our gross NPA is below the guidance that we gave of 2%. | And is there any ballpark credit cost guidance you can give out? | But if you see, we are in line with our guidance because this quarter's loan losses provision annualized are around close to, 2.5%. | We expect a stronger trend to continue here. | GDP growth maybe at 6.5 – 7%, the potential of India is much more but today’s world, India is really in a sweet spot and on the whole, given the stabl… | Our series guidance has been 2% of gross and 1% of NPA. | May 09, 2025 entity, where we expect direct assignments and co-lending to pick up during the course of the year. | But on the whole, we believe that the business is at an inflection point with new leadership, a sharper product mix aligned to our core strength and i… |
| Margin | And if it moderates, do we see a possibility of some operating leverage taking in, in FY'25-'26? | So the capital adequacy margin is down because the loan book has grown, Mr. Lee. | And then MFI also, what we are hearing from others, there is no further deterioration at the margin, the collection trends, the par accretion trends a… | But there is some margin maybe around 5% which is given by IIFL Finance Limited April 29, 2022 way of bank fixed deposit and that becomes like a first… | So, broadly what will be the growth drivers in each of the segments and also if you can elaborate more on the margin side, you have so far well manage… | And obviously, the income that we get, the net interest margin, which we are getting, say, on INR26,000 crores on March and actually would have grown … | And at the margin level, how do we see, you know, margin spanning out for the gold loan? | We took a decision of not getting into prime because to start with, you will have a challenge on the margin. |
| People | — | — | — | — | — | In terms of our operating cost which again in Q4 till the RBI order came we were on a growth path and particularly our microfinance business was also … | — | So, the customer attrition would come down, number one. |
| Pricing | So, what we have seen in last couple of weeks or last month or so, that again the competitive pricing pressure is coming by other gold companies also. | And also if co-lending and asset management partners, is it similar to what you see in terms of pricing and availability of funds? | — | MFI industry has been very badly hit by COVID and the regulatory changes of removing the cap on pricing as well as give more flexibility in terms of t… | In terms of cost of funds, our margins have improved because there has been a systemic interest rate rise and obviously that allows us to increase the… | — | And also the last quarter you had said that you are being competitive in terms of pricing the gold loans in order to attract the customers. | So once we on-board the customer in affordable segment, after 12 to 18 months because of the pricing difference, customers would switch from a company… |
| Revenue growth | So, I think we should be good as far as the continued growth of affordable housing is concerned. | — | So, on the gold loans, we have seen a very strong growth of around 26% on Q-on-Q basis. | — | And still, we have enough capacity to sustain growth to meet our targeted growth of 25% in our loan AUM as well as of our income and bottom line. | As you have seen the results of the full year, we have ended with a loan AUM growth of 2%. | May 09, 2025 assigned portfolio becomes more mature, then we see some momentum coming in in our assignment and co-lending asset book growth as well, w… | So, I think if they remain here, we should see AUM growth of around 20% to 25%. |