IIFL Finance Posts Q2 Profit on Strong Retail and Gold Loan Demand

IIFL Finance Ltd reported a net profit of ₹376.3 crore for the quarter ended September 2025, marking a significant turnaround from a loss of ₹157 crore recorded in the same quarter last year. The improvement was supported by lower provisions and steady loan growth across its lending segments. 

The company’s net interest income (NII) also saw a rise of 6.1% year-on-year, increasing to ₹1,439 crore from ₹1,355 crore, reflecting sustained business momentum in its lending portfolio.

Growth Driven by Retail and Gold Loans

The company’s performance was largely influenced by strong demand in its retail and gold-backed loan segments, which continue to form a substantial part of its overall business. 

The rising popularity of gold loans, coupled with increased retail borrowing, has contributed to consistent disbursement levels and stable asset quality. These segments have played a central role in driving both revenue and profitability during the quarter.

Leadership Strengthening at Housing Subsidiary

In a separate announcement, IIFL Home Finance Ltd, a subsidiary of IIFL Finance, appointed Girish Kousgi as its new Managing Director and Chief Executive Officer, effective October 30, 2025. Kousgi brings nearly three decades of experience across the banking and financial services industry, having previously held leadership roles at PNB Housing Finance and Can Fin Homes. 

Expanding Customer Reach

IIFL Finance, along with its subsidiaries, serves over eight million customers through a network of more than 4,900 branches across the country. The company continues to expand its footprint in both urban and rural areas, ensuring accessibility to affordable financial solutions for individuals and small businesses.

Stock Performance and Market Overview

As of October 31, 11:22 AM, the IIFL Finance Share Price stood at ₹541, slightly down by 0.04% on the NSE. The company holds a market capitalisation of ₹23,004 crore. Over the past year, the stock has traded between ₹595 and ₹280, indicating active investor participation. With a P/E ratio of 26.8, ROE of 4.9%, and ROCE of 8.81%, IIFL Finance reflects a moderate financial outlook.

Read More:IIFL Home Finance Appoints Girish Kousgi as MD and CFO

Conclusion

IIFL Finance’s return to profitability in Q2 FY26 highlights the company’s balanced approach to loan growth and portfolio management. Its emphasis on retail and gold loans, combined with leadership expansion in housing finance, positions it to continue delivering steady financial performance in the upcoming quarters.

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