IIFL Finance Q2FY27 consolidated PAT at Rs 805.00 cr, up 93% YoY
For Q2FY27, consolidated total income was Rs 2,339.60 cr and profit after tax (pre NCI) rose to Rs 805.00 cr from Rs 417.90 cr a year ago.
Key takeaways
- Total income for Q2FY27 was Rs 2,339.60 cr vs Rs 1,902.70 cr in Q2FY26.
- Profit before tax rose to Rs 1,073.70 cr from Rs 556.70 cr a year earlier.
- PAT (pre NCI) for Q2FY27 was Rs 805.00 cr vs Rs 417.90 cr in Q2FY26.
- Earnings per share (basic, not annualized) were Rs 18.0 vs Rs 8.9 a year ago.
- Book value per share increased to Rs 351.5 from Rs 296.8 in the prior-year quarter.
Q2FY27 · consolidated
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 2,339.60 cr | Rs 1,902.70 cr | +23.0% |
| PAT | Rs 805.00 cr | Rs 417.90 cr | +93.0% |
As reported in the filing. Figures are transcribed, not computed.
What the numbers show
- Net margin was 34.41% of revenue, against 21.96% a year earlier.
- Revenue rose 23.0% while total expenses rose 13.1%.
• Basis: Consolidated statement of financial results (income statement table titled "IIFL Finance (Consolidated): Income Statement").
• Period reported: Quarter ended September 30, 2026 (Q2FY27).
• Comparative period: Quarter ended September 30, 2025 (Q2FY26).
Key P&L figures (Q2FY27 vs Q2FY26, consolidated)
- Total income: Rs 2,339.60 cr vs Rs 1,902.70 cr.
- Profit before tax: Rs 1,073.70 cr vs Rs 556.70 cr.
- Profit after tax (pre NCI): Rs 805.00 cr vs Rs 417.90 cr.
- Profit after tax (post NCI): Rs 766.40 cr vs Rs 376.30 cr.
- Earnings per share (basic, not annualized): Rs 18.0 vs Rs 8.9.
Supporting line items from the consolidated income statement (Q2FY27 vs Q2FY26)
- Interest income: Rs 3,389.80 cr vs Rs 2,447.00 cr.
- Interest expense: Rs (1,908.60) cr vs Rs (1,381.90) cr.
- Net interest income: Rs 1,481.10 cr vs Rs 1,065.10 cr.
- Income from Off-book assets: Rs 730.10 cr vs Rs 747.30 cr.
- Other Income: Rs 128.40 cr vs Rs 90.30 cr.
- Operating expense: Rs (984.50) cr vs Rs (870.20) cr.
- Pre provision operating profit: Rs 1,355.10 cr vs Rs 1,032.50 cr.
- Loan losses & provision: Rs (280.80) cr vs Rs (500.30) cr.
- Net Gain/(Loss) on Fair Value Changes: Rs (0.60) cr vs Rs 24.50 cr.
- Minority Interest: Rs (38.60) cr vs Rs (41.60) cr.
- Total Comprehensive Income (post NCI): Rs 787.50 cr vs Rs 372.20 cr.
- Book value per share: Rs 351.5 vs Rs 296.8.
From the consolidated income statement, total income for the quarter ended September 30, 2026 stood at Rs 2,339.60 cr, compared with Rs 1,902.70 cr in the corresponding quarter ended September 30, 2025. Interest income increased to Rs 3,389.80 cr from Rs 2,447.00 cr, while interest expense rose to Rs (1,908.60) cr from Rs (1,381.90) cr, resulting in net interest income of Rs 1,481.10 cr versus Rs 1,065.10 cr a year earlier.
Income from Off-book assets was Rs 730.10 cr in Q2FY27 against Rs 747.30 cr in Q2FY26, and other income rose to Rs 128.40 cr from Rs 90.30 cr. Operating expense moved to Rs (984.50) cr from Rs (870.20) cr. Pre provision operating profit for the quarter was Rs 1,355.10 cr, compared with Rs 1,032.50 cr in the same quarter of the previous year.
Loan losses & provision declined to Rs (280.80) cr from Rs (500.30) cr. Net Gain/(Loss) on Fair Value Changes was Rs (0.60) cr in Q2FY27 versus Rs 24.50 cr in Q2FY26. Profit before tax therefore stood at Rs 1,073.70 cr, up from Rs 556.70 cr in the corresponding prior period.
Profit after tax (pre NCI) for the quarter ended September 30, 2026 was Rs 805.00 cr, compared with Rs 417.90 cr a year earlier. After accounting for minority interest of Rs (38.60) cr versus Rs (41.60) cr, profit after tax (post NCI) was Rs 766.40 cr against Rs 376.30 cr. Total Comprehensive Income (post NCI) came in at Rs 787.50 cr, compared with Rs 372.20 cr in Q2FY26. Basic earnings per share (not annualized) for Q2FY27 were reported at Rs 18.0, up from Rs 8.9 in the corresponding quarter, and book value per share increased to Rs 351.5 from Rs 296.8, as per the statement of financial results.
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