IIFL - IIFL FINANCE LIMITED Share Price

Finance

₹578.70+9.90(+1.74%)

Market Closed as of Nov 28, 2025, 15:30 IST

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Valuation
Market Cap	22.96 kCr
Price/Earnings (Trailing)	26.75
Price/Sales (Trailing)	2.03
EV/EBITDA	3.22
Price/Free Cashflow	-4.38
MarketCap/EBT	17.35
Enterprise Value	20.42 kCr

Fundamentals
Revenue (TTM)	11.31 kCr
Rev. Growth (Yr)	28.4%
Earnings (TTM)	1.03 kCr
Earnings Growth (Yr)	549.1%

Profitability
Operating Margin	12%
EBT Margin	12%
Return on Equity	7.01%
Return on Assets	1.35%
Free Cashflow Yield	-22.85%

Price to Sales Ratio

Latest reported: 2

Revenue (Last 12 mths)

Latest reported: 11.3 kCr

Net Income (Last 12 mths)

Latest reported: 1 kCr

Growth & Returns
Price Change 1W	0.20%
Price Change 1M	10%
Price Change 6M	30.5%
Price Change 1Y	24.8%
3Y Cumulative Return	10.5%
5Y Cumulative Return	42.6%
7Y Cumulative Return	10.6%
10Y Cumulative Return	18.3%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	-1.15 kCr
Cash Flow from Operations (TTM)	-4.78 kCr
Cash Flow from Financing (TTM)	5.53 kCr
Cash & Equivalents	2.54 kCr
Free Cash Flow (TTM)	-4.84 kCr
Free Cash Flow/Share (TTM)	-113.94

Balance Sheet
Total Assets	76.01 kCr
Total Liabilities	61.38 kCr
Shareholder Equity	14.63 kCr
Net PPE	165.74 Cr
Inventory	0.00
Goodwill	0.00

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.73
Interest/Cashflow Ops	-0.08

Dividend & Shareholder Returns
Dividend Yield	0.75%
Shares Dilution (1Y)	0.20%
Shares Dilution (3Y)	11.9%

Pros

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Size: Market Cap wise it is among the top 20% companies of india.

Profitability: Recent profitability of 9% is a good sign.

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Investor Care
Dividend Yield	0.75%
Shares Dilution (1Y)	0.20%
Earnings/Share (TTM)	20.2

Financial Health
Debt/Equity	0.00

Technical Indicators
RSI (14d)	67.91
RSI (5d)	50.36
RSI (21d)	65.51
MACD Signal	Buy
Stochastic Oscillator Signal	Hold
Grufity Signal	Buy
RSI Signal	Hold
RSI5 Signal	Hold
RSI21 Signal	Hold
SMA 5 Signal	Buy
SMA 10 Signal	Buy
SMA 20 Signal	Buy
SMA 50 Signal	Buy
SMA 100 Signal	Buy

Summary of Latest Earnings Report from IIFL FINANCE

Summary of IIFL FINANCE's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated:

Management's outlook for IIFL Finance Limited focuses on optimistic growth driven by favorable market conditions, particularly in the gold loan and housing finance segments. The company reported a profit after tax of Rs. 418 crores for Q2 FY '26, reflecting a 52% increase quarter-on-quarter, driven by strong growth in the gold finance business.

Key forward-looking points include:

Growth Expectations: Management anticipates that gold loan business momentum will remain strong, although precise percentage growth guidance was refrained due to variability. Home loans are expected to grow at a rate of 15%-18% annually in the second half of FY '26.
Loan Loss Provisions: For the second half, loan losses and provisions are expected to decrease, with a target of 2.2%-2.4%. The overall full-year guidance for loan loss provisions is set between 2.8%-3%.
AUM Growth: The consolidated AUM has grown by 35%, reaching Rs. 90,122 crores, with gold loans recording a historical high of Rs. 34,577 crores. Continued growth in home loans and secured LAP is also anticipated.
Credit Quality: Gross NPAs have improved to 2.1%, and net NPAs are at 1.0%, signaling a positive trend.
Liquidity Position: IIFL Finance maintains a strong liquidity position with over Rs. 8,000 crores.
Management Changes: The appointment of Girish Kousgi as MD and CEO of IIFL Home Finance is expected to bring strategic direction, particularly in addressing previous leadership challenges.

These elements suggest a strategic focus on enabling robust growth while managing risks prudently, with expectations for enhanced performance in the second half of the fiscal year.

Q&A Session

Last updated:

Major Questions and Answers from the Q&A Section

Question: "How do we look at the gold loan momentum going forward? Can you provide Y-o-Y or Q-o-Q guidance for the next 3-4 quarters?"

Answer: "Gold loan momentum is strong, but giving precise guidance is tricky due to fluctuations in gold prices. However, growth has significantly exceeded expectations in the first half. While I can't predict exact percentages, the trend remains encouraging."
Question: "What kind of growth in affordable home loans are we baking in for the next 2 years, and which geographies will drive this growth?"

Answer: "Our growth trajectory for home loans is around 15%-18% Y-o-Y. The recent quarters have been cautious, but with Girish taking charge as the new CEO, I believe we can achieve this growth rate moving forward."
Question: "What proportion does Bihar represent in IIFL Samasta's portfolio, and what are the par-zero numbers there?"

Answer: "Bihar constitutes about 22% of our portfolio. The IIFL plus four lenders ratio is less than 5%. We achieve a collection percentage of around 99% in Bihar, with arrears close to 6%."
Question: "Why has asset quality in the MSME and LAP segments continued to deteriorate despite growing demand?"

Answer: "The deterioration is primarily due to legacy issues from the micro-LAP product, which was a cross-sell to microfinance customers. Now that we have discontinued these offerings, the denominator is shrinking, which skews the numbers."
Question: "Have we done any ARC transactions in this quarter, and are there plans for future transactions?"

Answer: "We've completed a small ARC transaction in home loans, but none for the digital segment. We may explore ARC options in the upcoming quarter as we analyze our asset quality."
Question: "Is there a one-time increase in operating expenses related to strong gold loan growth leading to higher incentives?"

Answer: "Yes, the competition in gold loans has intensified, leading us to offer incentives to retain our experienced workforce, following a tough year. This has resulted in higher operating expenses."
Question: "What is the guidance for ROA and credit costs for the full year?"

Answer: "For ROA, we're aiming for around 2.5%-2.8% for the year. Credit cost guidance remains consistent within the range of 2.8%-3% for the full fiscal year."
Question: "Can we expect changes due to the new management in the Home Finance subsidiaries?"

Answer: "While it's early, there's a focus on improving collection efficiencies and policy tweaks. No major product changes are anticipated, but we will streamline processes to enhance performance."

Share Holdings

Understand IIFL FINANCE ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

Shareholder Name	Holding %
FIH Mauritius Investments Ltd	15.19%
Nirmal Bhanwarlal Jain	12.57%
Smallcap World Fund, Inc	6.84%
Parajia Bharat Himatlal	4.67%
Bank Muscat India Fund	3.29%
Madhu N Jain	3.18%
Venkataraman Rajamani	2.89%
Jain Mansukhlal	2.61%
Theleme India Master Fund Limited	2.45%
Aditi Avinash Athavankar	2.35%
HSBC Midcap Fund	2.11%
Bavaria Industries Group Ag	1.05%
American Funds Insurance Series Global Small Capitalization Fund	1.01%
Ardent Impex Pvt Ltd	0.85%
Orpheus Trading Pvt Ltd	0.34%
Aditi Athavankar	0.05%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is IIFL FINANCE Better than it's peers?

Detailed comparison of IIFL FINANCE against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj Finance	6.3 LCr	76.24 kCr	-2.30%	+52.60%	23.23	8.27	-	-
SHRIRAMFIN	Shriram Finance	1.55 LCr	45.63 kCr	+22.40%	+40.30%	21.29	3.39	-	-
CHOLAFIN	Cholamandalam Investment and Finance Co.	1.45 LCr	28.94 kCr	+4.40%	+38.60%	31.12	5	-	-
MUTHOOTFIN	MUTHOOT FINANCE	1.33 LCr	22.32 kCr	+3.40%	+85.50%	21.58	5.98	-	-
M&MFIN	Mahindra & Mahindra Financial Services	43 kCr	19.76 kCr	+8.80%	+16.60%	16.07	2.18	-	-

Income Statement for IIFL FINANCE

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	-2.4%	10,237	10,490	8,447	7,006	5,989	4,821
Revenue From Operations	-0.4%	10,211	10,249	8,259	6,836	5,840	4,739
Total interest earned	-3.4%	9,504	9,839	7,369	6,195	5,412	4,619
Dividend income	226.6%	2.19	0.06	0	0	5.94	1.09
Fees and commission income	18.3%	486	411	229	153	111	119
Other income	-89.6%	26	241	188	170	150	82
Total Expenses	12.9%	8,944	7,919	6,335	5,470	4,985	4,096
Employee Expense	12.1%	1,889	1,685	1,330	931	723	746
Finance costs	7.4%	4,170	3,883	3,222	2,991	2,626	2,397
Depreciation and Amortization	4.4%	189	181	153	122	105	106
Impairment on financial instruments	64.5%	1,498	911	-68.86	-16.74	520	23
Other expenses	11.2%	1,199	1,078	765	539	362	422
Profit Before exceptional items and Tax	-49.7%	1,294	2,572	2,113	1,536	1,005	725
Exceptional items before tax	-	-586.5	0	0	0	0	0
Total profit before tax	-72.5%	707	2,572	2,113	1,536	1,005	725
Current tax	-41%	359	608	360	328	322	174
Deferred tax	-1915.3%	-230.36	-10.48	145	19	-77.95	48
Tax expense	-78.6%	129	598	505	348	244	222
Total profit (loss) for period	-70.8%	578	1,974	1,608	1,188	761	503
Other comp. income net of taxes	22%	-13.27	-17.3	32	9.21	-24.32	-6.66
Total Comprehensive Income	-71.2%	565	1,957	1,640	1,197	736	497
Reserve excluding revaluation reserves	16.7%	12,327	10,560	8,916	-	5,312	4,684
Earnings Per Share, Basic	-82.2%	9.07	46.286	39.494	31.327	20.09	13.27
Earnings Per Share, Diluted	-82.7%	8.73	45.707	39.183	31.142	20.04	13.24
Debt equity ratio	-0.2%	0.0366	0.0387	0.0388	0.0552	-	0.058

Description	(%) Q/Q	Sep-2025	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024
Total income	11.8%	3,309	2,959	2,594	2,449	2,577	2,625
Revenue From Operations	11.9%	3,305	2,953	2,591	2,443	2,572	2,613
Total interest earned	9.2%	2,821	2,583	2,483	2,231	2,318	2,472
Dividend income	-	0	0	0	0.02	2.17	0
Fees and commission income	-2.8%	105	108	101	154	130	101
Other revenue from operations	54.8%	354	229	-	-	-	-
Other income	-44.2%	4.05	6.47	3.1	6.39	4.69	12
Total Expenses	5.7%	2,752	2,603	2,285	2,348	2,130	2,189
Employee Expense	2.4%	508	496	467	479	484	459
Finance costs	7.2%	1,382	1,289	1,169	996	979	1,034
Depreciation and Amortization	0%	47	47	51	46	46	46
Impairment on financial instruments	-2.3%	500	512	349	491	406	252
Other expenses	21.7%	315	259	249	336	215	399
Profit Before exceptional items and Tax	56.6%	557	356	309	101	447	436
Exceptional items before tax	-	0	0	0	0	-586.5	0
Total profit before tax	56.6%	557	356	309	101	-139.67	436
Current tax	-40.3%	41	68	33	34	128	164
Deferred tax	638.5%	97	14	25	-15.07	-174.57	-65.58
Tax expense	70.4%	139	82	58	19	-46.6	98
Total profit (loss) for period	52.7%	418	274	251	82	-93.07	338
Other comp. income net of taxes	31.4%	-6.27	-9.6	-9.65	2.52	-4.92	-1.22
Total Comprehensive Income	55.7%	412	265	242	84	-97.99	337
Reserve excluding revaluation reserves	-	-	-	-	-	-	-
Earnings Per Share, Basic	75.1%	8.86	5.49	4.89	0.96	-3.72	7.24
Earnings Per Share, Diluted	75.3%	8.8	5.45	4.85	0.95	-3.72	6.956
Debt equity ratio	0.1%	0.0398	0.0386	0.0366	0.03	0.03	0.0343

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	-12.2%	4,080	4,649	4,089	4,089	3,436	2,630
Revenue From Operations	-11.7%	4,066	4,604	4,058	4,062	3,397	2,608
Total interest earned	-13.1%	3,778	4,348	3,468	3,564	3,070	2,516
Dividend income	-99.1%	2.19	132	88	63	70	44
Fees and commission income	28.5%	159	124	62	50	36	48
Other income	-70.5%	14	45	31	27	39	22
Total Expenses	3.2%	4,044	3,919	3,046	3,122	3,062	2,398
Employee Expense	5.1%	760	723	672	520	407	441
Finance costs	7.7%	1,849	1,717	1,456	1,616	1,555	1,244
Depreciation and Amortization	1.5%	137	135	125	106	91	89
Impairment on financial instruments	20.4%	456	379	-69.62	-224.28	198	-67.63
Other expenses	14%	842	739	507	380	242	285
Profit Before exceptional items and Tax	-95.2%	36	730	1,043	967	374	232
Exceptional items before tax	-	-586.5	0	0	0	53	4.61
Total profit before tax	-175.7%	-550.77	730	1,043	967	427	237
Current tax	-59.1%	77	187	118	171	102	40
Deferred tax	-417.3%	-218.59	-41.45	120	51	-16.75	48
Tax expense	-198.7%	-141.2	145	237	222	85	88
Total profit (loss) for period	-170.3%	-409.57	585	805	745	343	149
Other comp. income net of taxes	54.6%	-3.06	-7.94	21	-9.85	-21.11	-2.49
Total Comprehensive Income	-171.8%	-412.63	577	826	736	321	146
Reserve excluding revaluation reserves	16.4%	6,422	5,519	5,039	-	3,745	3,532
Earnings Per Share, Basic	-175.3%	-9.8	15.348	21.204	19.659	9.05	3.94
Earnings Per Share, Diluted	-176.3%	-9.8	15.156	21.037	19.543	9.03	3.93
Debt equity ratio	0.2%	0.0377	0.0358	0.034	0.0367	-	0.04

Description	(%) Q/Q	Sep-2025	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024
Total income	18.9%	1,767	1,486	1,141	944	1,004	1,015
Revenue From Operations	19.2%	1,763	1,479	1,138	940	999	1,012
Total interest earned	19.4%	1,491	1,249	1,110	869	854	946
Dividend income	-	0	0	0	0.02	2.17	0
Fees and commission income	-31%	30	43	29	42	47	42
Other revenue from operations	32.6%	229	173	-	-	-	-
Other income	-46.4%	3.89	6.39	2.35	3.97	4.52	3.15
Total Expenses	13.6%	1,484	1,307	1,090	923	1,008	1,046
Employee Expense	22.1%	283	232	191	197	196	176
Finance costs	8.1%	758	701	592	433	403	430
Depreciation and Amortization	6.1%	36	34	37	33	33	33
Impairment on financial instruments	16.6%	212	182	155	60	155	87
Other expenses	24.4%	195	157	100	201	221	320
Profit Before exceptional items and Tax	59.9%	284	178	50	21	-4.32	-31.12
Exceptional items before tax	-	0	0	0	0	-586.5	0
Total profit before tax	59.9%	284	178	50	21	-590.82	-31.12
Current tax	-	9.42	0	7.13	-16.57	32	55
Deferred tax	37.8%	63	46	4.65	22	-181.83	-62.98
Tax expense	60%	73	46	12	5.01	-149.52	-8.46
Total profit (loss) for period	59.1%	211	133	38	16	-441.3	-22.66
Other comp. income net of taxes	159.4%	4	-4.05	-8.76	13	-10.35	3.32
Total Comprehensive Income	67.2%	215	129	30	29	-451.65	-19.34
Reserve excluding revaluation reserves	-	-	-	-	-	-	-
Earnings Per Share, Basic	85.9%	4.96	3.13	0.91	0.38	-10.4	-0.57
Earnings Per Share, Diluted	87.1%	4.93	3.1	0.9	0.37	-10.4	-0.57
Debt equity ratio	0.2%	0.0449	0.0434	0.0377	0.03	0.02	0.0242

Balance Sheet for IIFL FINANCE

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Sep-2025	Mar-2025	Dec-2024	Sep-2024	Mar-2024	Sep-2023
Cash and cash equivalents	22.9%	2,540	2,067	-	1,925	2,470	2,322
Derivative financial instruments	457.1%	274	50	-	17	158	167
Trade receivables	-45.8%	59	108	-	92	102	149
Other receivables	-	32	0	-	0	30	0
Loans	8.6%	60,151	55,364	-	44,715	50,952	44,838
Investments	28.7%	5,711	4,438	-	3,839	4,059	3,086
Other financial assets	53.1%	1,749	1,143	-	1,204	1,413	1,471
Total finanical assets	12.7%	73,570	65,295	0	53,650	-	-
Current tax assets (Net)	18.3%	318	269	-	203	198	132
Investment property	0%	871	871	-	296	296	296
Property, plant and equipment	1.9%	166	163	-	154	168	164
Capital work-in-progress	-79.3%	5.34	22	-	58	52	35
Total non-financial assets	4%	2,443	2,349	0	1,722	-	-
Total assets	12.4%	76,012	67,644	-	55,372	62,421	55,346
Equity share capital	0%	85	85	-	85	76	76
Non controlling interest	7.7%	1,662	1,543	-	-	1,419	1,308
Total equity	4.8%	14,631	13,955	-	13,638	12,056	11,219
Derivative financial instruments	-100.9%	0	111	-	16	34	16
Debt securities	17.2%	19,655	16,772	-	7,895	9,030	7,750
Borrowings	10.1%	34,201	31,059	-	28,692	34,123	29,242
Subordinated liabilities	34.6%	4,356	3,237	-	2,952	3,546	3,383
Total financial liabilities	14.4%	61,030	53,332	0	41,298	-	-
Current tax liabilities	-50.8%	5.92	11	-	82	7.68	40
Provisions	9.8%	135	123	-	119	84	94
Total non financial liabilities	-1.7%	351	357	0	436	-	-
Total liabilities	14.3%	61,381	53,689	-	-	50,365	44,128
Total equity and liabilities	12.4%	76,012	67,644	-	55,372	62,421	55,346

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Sep-2025	Mar-2025	Dec-2024	Sep-2024	Mar-2024	Sep-2023
Cash and cash equivalents	248.2%	1,836	528	-	493	864	279
Derivative financial instruments	310.2%	202	50	-	13	158	167
Trade receivables	-58.3%	21	49	-	57	42	87
Other receivables	-	32	0	-	0	30	0
Loans	24.7%	28,514	22,867	-	14,244	18,427	16,876
Investments	12.6%	6,147	5,458	-	5,215	5,157	3,653
Other financial assets	101.6%	735	365	-	400	734	829
Total finanical assets	25.7%	37,909	30,149	0	21,287	-	-
Current tax assets (Net)	12.2%	167	149	-	156	154	97
Investment property	0%	869	869	-	294	294	294
Property, plant and equipment	7%	138	129	-	119	132	129
Capital work-in-progress	-79.3%	5.34	22	-	58	52	35
Total non-financial assets	0.5%	1,975	1,965	0	1,444	-	-
Total assets	24.2%	39,884	32,115	-	22,730	27,588	24,160
Equity share capital	0%	85	85	-	85	76	76
Total equity	5.8%	6,882	6,507	-	6,428	5,596	5,428
Derivative financial instruments	-101.1%	0	95	-	16	31	10
Debt securities	25.6%	14,263	11,360	-	3,134	4,340	3,932
Borrowings	22.5%	13,841	11,298	-	10,438	13,967	11,063
Subordinated liabilities	51.4%	2,825	1,866	-	1,624	1,704	1,689
Total financial liabilities	29.1%	32,868	25,459	0	16,101	-	-
Current tax liabilities	-53.7%	5.63	11	-	62	2.83	4.61
Provisions	24.2%	78	63	-	59	39	53
Total non financial liabilities	-9.5%	134	148	0	202	-	-
Total liabilities	28.9%	33,002	25,607	-	-	21,992	18,733
Total equity and liabilities	24.2%	39,884	32,115	-	22,730	27,588	24,160

Cash Flow for IIFL FINANCE

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	8.5%	4,171	3,844	3,226	-260.72	-	-
Depreciation	4.4%	189	181	153	122	-	-
Impairment loss / reversal	-	0	0	-68.85	-16.74	-	-
Dividend income	226.6%	2.19	0.06	0	0	-	-
Adjustments for interest income	-3.1%	9,286	9,587	7,146	-602.58	-	-
Share-based payments	81.4%	108	60	0	3.1	-	-
Net Cashflows From Operations	-151%	-4,413.26	-1,757.72	-3,043.54	1,510	-	-
Dividends received	226.6%	2.19	0.06	0	0	-	-
Interest paid	41.7%	4,244	2,996	2,506	0	-	-
Interest received	-3.5%	9,285	9,618	7,219	0	-	-
Income taxes paid (refund)	-36.3%	436	684	277	294	-	-
Other inflows/outflows of cash	50.4%	-4,974.43	-10,028.48	-6,333.41	568	-	-
Net Cashflows From Operating Activities	18.2%	-4,780.83	-5,848	-4,940.56	1,784	-	-
Proceeds from sales of PPE	-96.5%	2.48	43	2.82	0	-	-
Purchase of property, plant and equipment	-77.5%	61	268	261	101	-	-
Proceeds from sales of investment property	-	0	0	0	1.17	-	-
Purchase of investment property	-	0	0	2,166	25	-	-
Proceeds from sales of long-term assets	-100.2%	0	460	0	0	-	-
Purchase of other long-term assets	-53.5%	740	1,591	0	0	-	-
Other inflows/outflows of cash	-	-350.65	0	-306.3	-871.68	-	-
Net Cashflows From Investing Activities	15.3%	-1,148.66	-1,356.37	-2,730.45	-995.79	-	-
Proceeds from changes in ownership interests in subsidiaries	-	0	0	2,286	0	-	-
Payments from changes in ownership interests in subsidiaries	-	52	0	0	0	-	-
Proceeds from issuing shares	6642.1%	1,282	20	0	8.6	-	-
Proceeds from issuing debt etc	84.6%	14,157	7,668	-271.32	0	-	-
Proceeds from borrowings	-30%	24,758	35,348	19,435	15,814	-	-
Repayments of borrowings	-24.4%	27,836	36,824	16,364	12,809	-	-
Payments of lease liabilities	1440%	163	-11.09	-21.22	92	-	-
Dividends paid	-100.6%	0	182	174	133	-	-
Other inflows (outflows) of cash	-848604%	-6,618.89	0.22	156	-8.35	-	-
Net Cashflows From Financing Activities	-8.5%	5,526	6,042	5,090	2,781	-	-
Net change in cash and cash eq.	65.2%	-403.24	-1,162.26	-2,580.97	3,569	-	-

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	9.8%	1,833	1,669	1,439	-35.86	-	-
Depreciation	1.5%	137	135	125	106	-	-
Impairment loss / reversal	-	0	0	-69.62	-224.28	-	-
Dividend income	-99.1%	2.19	132	88	63	-	-
Adjustments for interest income	-13.1%	3,778	4,348	3,468	-485.98	-	-
Share-based payments	27.8%	47	37	2.64	3.1	-	-
Net Cashflows From Operations	-85.2%	-2,319.33	-1,251.69	-2,442	861	-	-
Dividends received	-99.1%	2.19	132	0	0	-	-
Interest paid	9.9%	1,841	1,676	1,393	0	-	-
Interest received	-8.7%	3,754	4,110	3,675	0	-	-
Income taxes paid (refund)	-55.3%	64	142	105	151	-	-
Other inflows/outflows of cash	-77.3%	-4,840.92	-2,729.24	-1,815.6	2,846	-	-
Net Cashflows From Operating Activities	-241%	-5,309.69	-1,556.27	-2,080.52	3,556	-	-
Proceeds from sales of PPE	-99.3%	1.3	42	1.43	0.7	-	-
Purchase of property, plant and equipment	-67.9%	28	85	90	84	-	-
Purchase of investment property	-	0	0	5.19	25	-	-
Purchase of other long-term assets	-69%	702	2,262	0	0	-	-
Dividends received	-	0	0	88	63	-	-
Other inflows/outflows of cash	-76.8%	105	450	-880.08	-657	-	-
Net Cashflows From Investing Activities	67.1%	-674.8	-2,054.93	-1,384.03	-927.14	-	-
Proceeds from issuing shares	-	1,282	0	11	8.6	-	-
Proceeds from exercise of stock options	-105.3%	0	20	0	0	-	-
Proceeds from issuing debt etc	149.7%	12,069	4,834	0	0	-	-
Proceeds from borrowings	-30.8%	15,578	22,504	11,655	5,597	-	-
Repayments of borrowings	-25.2%	18,232	24,381	10,539	5,703	-	-
Payments of lease liabilities	9.7%	125	114	105	86	-	-
Dividends paid	-100.7%	0	153	152	133	-	-
Other inflows (outflows) of cash	-	-4,922.06	0	0	-8.35	-	-
Net Cashflows From Financing Activities	108.4%	5,649	2,711	870	-324.05	-	-
Net change in cash and cash eq.	62.6%	-335.69	-899.95	-2,594.55	2,305	-	-

What does IIFL FINANCE LIMITED do?

Non Banking Financial Company(NBFC)•Financial Services•Small Cap

IIFL Finance Limited, a non-banking financial company, engages in financing activities in India and internationally. It offers home and gold loans; business loans, including business loan for manufacturers, women, and e-commerce; loans to micro, small, and medium enterprise; loans against securities; and digital finance loans, as well as supply chain finance. The company also provides construction and real estate financing; capital market financing; and lending, investment, and wealth management services. The company was formerly known as IIFL Holdings Limited and changed its name to IIFL Finance Limited in May 2019. IIFL Finance Limited was incorporated in 1995 and is based in Mumbai, India.

Industry Group:Finance

Employees:14,829

Website:www.iifl.com

IIFL - IIFL FINANCE LIMITED Share Price

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What does IIFL FINANCE LIMITED do?