Financial Services company IIFL Finance announced Q2FY26 results Q2FY26 Financial Highlights: Gold Loans: Fully normalized post-embargo (Sep 2024); AUM at record high, yields rising, > 98 % customer retention. Asset Quality: Stage 2/3 trending down; PCR 93 %. Portfolio Re-set: Exited unsecured MSME, micro-LAP & high-risk MFI geographies. Financial Strength: ROA 1.9 % | ROE 9.8 % | CRAR (Consolidated, Computed) 28.2 % | Liquidity Rs 8,170 crore | PAT Rs 692 crore (H1FY26). Growth Focus: Collateral-backed retail lending – Gold, MSME Secured & Home Finance. Operating Model: AI-led risk and governance systems; phygital reach of ~ 4,800 branches. Fitch Ratings affirmed the rating at ‘B+’ and revised the outlook on IIFL Finance’s Long term Issuer Default Rating from Stable to Positive. Business Highlights: Home Loans: AUM grew 10% YoY to Rs 32,034 crore but was flat QoQ; business is steady and on track to deliver as per plan. Gold Loans: AUM surged 220% YoY and 27% QoQ to Rs 34,577 crore, demonstrating a strong momentum supported by healthy tonnage growth and stable asset quality. MSME Loans: AUM was in line with YoY to Rs 13,474 crore but was down 3% QoQ, owing to strategic re-calibration towards low risk secured lending and pullback from unsecured lending. Microfinance: AUM stood at Rs 8,362 crore, down 26% YoY and 6% QoQ, impacted by macroeconomic pressures in unsecured lending Nirmal Jain, Founder & Managing Director, IIFL Finance said: "The past year has been a true test of our resilience and an affirmation of our core strengths. We faced challenges with complete transparency and used them as an opportunity to fortify every pillar of governance, compliance, and customer trust. Today, with risks well-contained, a stronger balance sheet, and renewed operational momentum, IIFL Finance stands poised at the cusp of a new growth cycle. The recent quarterly results reflect that this momentum is translating into strong operating performance. Our unwavering focus on collateral-backed retail lending, technology enablement, and execution excellence will continue to drive sustainable value creation for all stakeholders." Kapish Jain, Group Chief Financial Officer, IIFL Finance said: “Our strong rebound both in topline and bottom line continues in the current quarter as well. With strategic focus on increasing share of secured assets we recorded all time highest AUM of Rs 90,122 crore led by Gold and home loans which together account for 74% of the total AUM with stable asset quality, low LTV and healthy yields. Our strong partnership with banks has been reaping good results with share of off book touching 34% of the total AUM.” Result PDF