PAT Rs 623 Crore | IIFL Finance Q4 FY26 Results

May 1, 2026
Posted by: Ankit Jaiswal
Category: News

IIFL Finance announced its Q4 FY26 financial results on April 29, 2026, posting PAT of Rs 623 crore, a 148 percent year-on-year increase, as the NBFC and Retail Lending company delivered its January to March 2026 quarter earnings. IIFL Finance Q4 FY26 results are closely tracked by investors as a key indicator of the company’s performance trajectory. This article covers the IIFL Finance Q4 FY26 financial highlights, performance analysis, full year FY26 summary, management outlook, and frequently asked questions on IIFL Finance Q4 results.

Table of Contents

IIFL Finance Q4 FY26 Financial Highlights

IIFL Finance Limited reported Q4 FY26 consolidated PAT of Rs 623 crore, a 148 percent year-on-year jump. Total income grew 51 percent to Rs 2,090 crore. Gold loan AUM surged 150 percent YoY to Rs 52,581 crore at the standalone level. Consolidated AUM crossed Rs 1.08 lakh crore (up 38 percent YoY). For FY26, IIFL Finance PAT reached Rs 1,817 crore, up 214 percent from Rs 578 crore in FY25. Pre-provision operating profit rose 80 percent YoY to Rs 1,173 crore.

Metric	Q4 FY26	Q4 FY25	YoY Change
Revenue / Total Income	Rs 2,090 crore total income	Refer NSE/BSE filing	Grew 51 percent YoY
PAT	Rs 623 crore	Refer NSE/BSE filing	Higher 148 percent YoY
Full Year FY26 PAT	Rs 1,817 crore (up 214 percent YoY from Rs 578 crore in FY25)	Refer filing	As reported
Dividend (FY26)	Not declared	Refer filing	FY26 final

Also Read: Bhansali Engineering Polymers Q4 FY26 Results

IIFL Finance Q4 FY26 Performance Analysis

IIFL Finance Q4 FY26 gold loan AUM of Rs 52,581 crore at standalone level surged 150 percent YoY and 21 percent QoQ, confirming the swift recovery of the gold loan franchise following the RBI restriction period in FY25. Gross NPA improved to 1.5 percent and net NPA to 0.7 percent in IIFL Finance Q4 FY26.

IIFL Finance Q4 FY26 deployed AI at scale, with AI-powered lead engine generating Rs 1,000 crore monthly loan pipeline, agentic collections system assisting Rs 450 crore recoveries, and an AI branch coaching tool deployed across 48 percent of branches.

IIFL Finance Full Year FY26 Business Summary

FY26 was a milestone year for IIFL Finance, with PAT growing 214 percent to Rs 1,817 crore as the gold loan business rebuilt faster than expected and the AI-led operating model was deployed at scale. The company raised Rs 10,000 crore via NCS for FY27 growth.

IIFL Finance Q4 FY26 Outlook and FY27 Priorities

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Conclusion

The IIFL Finance Q4 FY26 results provide investors with the company’s January to March 2026 performance data. IIFL Finance Q4 FY26 PAT of Rs 623 crore reflects the operational performance in the NBFC and Retail Lending sector. Investors tracking IIFL Finance Q4 results should review the complete audited financials on NSE and BSE exchange filings before making any investment decision. IIFL Finance Q4 FY26 is an important milestone in the company’s annual earnings calendar.

This article on IIFL Finance Q4 FY26 results is for informational and educational purposes only. It is not investment advice. Please consult a SEBI registered investment advisor before making any investment decision. Past performance is not indicative of future results.

Frequently Asked Questions on IIFL Finance Q4 FY26 Results

What were the IIFL Finance Q4 FY26 results?

IIFL Finance Q4 FY26 results were announced on April 29, 2026. The company reported PAT of Rs 623 crore for the January to March 2026 quarter. IIFL Finance Q4 FY26 details are in the official NSE and BSE exchange filings.

What was IIFL Finance Q4 FY26 PAT?

IIFL Finance Q4 FY26 PAT was Rs 623 crore, higher 148 percent YoY. The IIFL Finance Q4 FY26 results were announced on April 29, 2026, at the board of directors meeting to approve audited financials.

What was IIFL Finance Q4 FY26 revenue?

IIFL Finance Q4 FY26 revenue was Rs 2,090 crore total income. Investors should refer to the NSE and BSE exchange filing for the full audited IIFL Finance Q4 FY26 revenue breakdown and segmental performance data.

Did IIFL Finance declare a dividend after Q4 FY26 results?

IIFL Finance did not declare a dividend in the Q4 FY26 results announcement. Refer to the official exchange filing for confirmation.

What is the outlook for IIFL Finance after Q4 FY26?

IIFL Finance FY27 focus is on scaling gold loans to Rs 70,000 crore AUM, sustaining home loan and MSME growth, and deepening AI integration across the lending lifecycle. Co-lending partnerships with 12-plus banks provide structural funding diversific… Investors should monitor management commentary and quarterly filings for updated guidance on IIFL Finance Q4 FY26 performance sustainability into FY27.

How did IIFL Finance Q4 FY26 compare year on year?

IIFL Finance Q4 FY26 PAT of Rs 623 crore was higher 148 percent YoY. The year-on-year comparison for IIFL Finance Q4 FY26 versus Q4 FY25 is available in the official audited NSE and BSE exchange filings.

What sector does IIFL Finance operate in?

IIFL Finance operates in the NBFC and Retail Lending sector in India and is listed on NSE and BSE. IIFL Finance Q4 FY26 results reflect the broader NBFC and Retail Lending sector trends for the January to March 2026 quarter. Contextualising IIFL Finance Q4 performance within industry dynamics requires reviewing sector-level data alongside management commentary.

Is IIFL Finance a good investment after Q4 FY26 results?

Whether IIFL Finance is a good investment after the IIFL Finance Q4 FY26 results depends on your individual financial goals, risk tolerance, and investment horizon. IIFL Finance Q4 FY26 results provide one data point on the company’s trajectory. Always consult a SEBI registered financial advisor before making any investment decision.

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Author: Ankit Jaiswal

Ankit Jaiswal is the Senior Research Analyst at Univest, leading the platform's in-house equity research desk and serving as the editorial reviewer for all research and blog content published at univest.in. With 11+ years of experience in Indian equity markets, he oversees stock recommendations, earnings analysis, sector coverage, and ensures every published article meets SEBI Research Analyst Regulations. He holds a Bachelor of Commerce (B.Com) from St. Xavier's College, Kolkata — one of India's most prestigious commerce institutions — and has cleared CMT Level 2 from the CMT Association, a globally recognised certification in technical analysis and market research. His research methodology combines fundamental analysis (earnings quality, balance sheet strength, management commentary) with advanced technical analysis (chart patterns, momentum indicators, market structure) — giving Univest's retail investors a dual-lens approach that most Indian research platforms lack. Ankit is among the most comprehensively certified analysts in Indian financial media, holding five NISM certifications: Series-XV (Research Analyst), Series-VIII (Equity Derivatives), Series-VII (SORM), Series-VI (Depository Operations), and Series-V-A (Mutual Fund Distributors). At Univest — India's SEBI-registered research and advisory platform — Ankit's responsibilities include leading the research team, finalising stock recommendations published across Pro Lite, Pro Super, and Pro Gold advisory services, and maintaining editorial oversight of all YMYL financial content published on the blog.