Press Release

July 22, 2026 The Manager, The Manager, Listing Department, Listing Department, BSE Limited, The National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Plot C/1, G Block, Dalal Street, Bandra - Kurla Complex, Bandra (E), Mumbai 400 001 Mumbai 400 051 BSE Scrip Code: 532636 NSE Symbol: IIFL Subject: Press Release and Presentation on Unaudited Financial Results for the quarter ended June 30, 2026 Dear Sir/Madam, Pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, enclosed herewith is the Press Release and Presentation to be made to the Investors/ Analysts on the Unaudited Financial Results of the Company for the quarter ended June 30, 2026, as follows: 1. Press Release - Annexure 1 2. Investor/Analysts Presentation - Annexure 2 The same has also been made available on the website of the Company at www.iifl.com. Kindly take the above on record and oblige. Thanking you, For IIFL Finance Limited Samrat Sanyal Company Secretary & Compliance Officer ACS – 13863 Email ID: csteam@iifl.com Place: Mumbai Encl: as above India International Exchange (IFSC) Limited NSE IFSC Limited The Signature, Building No.13B, GIFT SEZ, 1201, Brigade International Financial Centre GIFT City, Gandhinagar, Gujarat - 382355 12th floor, Block-14, Road 1C, Zone -1, GIFT SEZ, Gandhinagar, Gujarat - 382355 IIFL Finance Limited CIN No.: L67100MH1995PLC093797 Corporate Office – 802, 8th Floor, Hubtown Solaris, N.S. Phadke Marg, Vijay Nagar, Andheri East, Mumbai 400069 Tel: (91-22) 6788 1000. Fax: (91-22) 6788 1010 Regd. Office – IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Industrial Area, Wagle Estate, Thane – 400604 Tel: (91-22)41035000. Fax: (91-22) 25806654 E-mail: csteam@iifl.com Website: www.iifl.com Annexure 1 IIFL Finance Limited - Q1FY27 Results Press Release Press Release For immediate publication Mumbai, India | July 22, 2026 Strong Q1FY27 Performance: PAT at ₹713 Cr, up 14% QoQ; AUM crosses ₹1.15 lakh Cr. IIFL Finance Limited (“IIFL Finance”), a leading retail-focused NBFC, today announced its financial results for the quarter ended June 30, 2026, delivering strong growth, improved asset quality, and robust profitability. Performance Overview • IIFL Finance delivered a robust quarter with consistent growth across core businesses, driven by a strategic focus on secured lending, disciplined portfolio rebalancing, and improved operating efficiency • Total income for Q1FY27 stood at ₹2,202.4 Cr, up 34% YoY, while pre-provision operating profit rose 50% YoY to ₹1,252.4 Cr. Profit before tax increased 161% YoY to ₹928.6 Cr, reflecting strong operating leverage and improved asset quality • For Q1FY27, PAT (pre-NCI) stood at ₹713.1 Cr, marking a 160% YoY growth, highlighting the continued strength of the company’s secured lending strategy Key Highlights ➢ Consolidated AUM grew to ₹1,15,523 Cr, up 7% QoQ and 38% YoY ➢ Profit After Tax (pre-NCI) stood at ₹713.1 Cr, up 14% QoQ and 160% YoY ➢ Gross NPA at 1.6% (up 9 bps QoQ) ➢ Net NPA at 0.8% (up 9 bps QoQ) ➢ Provision Coverage Ratio strengthened to 94% ➢ Book value at ₹333.9 ➢ ROA at 3.1% and ROE at 19.5% ➢ Strong liquidity position of ₹7,148 Cr ➢ Computed consolidated CRAR at 24.3% Mr. Nirmal Jain, Founder & Managing Director, IIFL Finance said: “Q1FY27 demonstrates that our transformation is now showing results. Return on equity annualised at 19.5% and return on assets at 3.1% mark a decisive return to best-in-class profitability, and the book is now nearly 90% secured. Gold loans have powered growth and although the pace of growth can slow down, it remains a core engine, with mortgages and secured MSME expected to gain momentum. With a robust balance sheet, an AI-led operating model and deepening bank partnerships, we are confident of delivering resilient, capital-efficient growth through FY27 while serving underserved segments across India.” Business Segment Performance • Gold Loans: Gold loan AUM surged to ₹58,406 Cr, up 114% YoY and 11% QoQ, emerging as the primary growth driver. Asset quality remained healthy with GNPA at 0.61% • Home Finance: AUM stood at ₹41,540 Cr, up 4% QoQ. Asset quality remained stable with GNPA at 1.46%, reflecting continued focus on prudent underwriting • MSME Loans: Continued shift towards secured MSME lending, with MSME AUM growing 9% QoQ to ₹10,808 Cr and disciplined reduction in unsecured exposure, leading to improved risk profile • Microfinance: Portfolio stabilization continued with AUM at ₹9,473 Cr, up 4% QoQ, alongside improving asset quality and calibrated growth Key Updates • Moody's Ratings has assigned Ba3 Issuer rating and (P)Ba3 GMTN program rating to IIFL Finance Limited; outlook stable • Raised US$500 mn through Social Bonds Issuance proceeds which are directed to income generating loans for women, low-income and rural / semi-urban borrowers. • Crisil ESG Ratings has assigned an ESG rating of ‘Crisil ESG 66’ and Core ESG rating of ‘Crisil Core ESG 69’ to the Company Strategic Focus The company continues to execute on its strategy of “Resilient, Capital-Efficient Growth” anchored on: • Secured lending focus (Gold + Mortgages) • Expansion in underserved MSME and Bharat segments • AI-led operating model driving productivity and risk management • Branch-led distribution with hyperlocal sourcing • Co-lending partnerships enabling capital-light growth • Strong capital efficiency through DA/PTC and co-lending Off-book AUM continues to scale meaningfully with cumulative DA + co-lending originations of ₹1.55 lakh Cr since FY14 (through Q4FY26), with zero losses reported in co-lent portfolios. AI Transformation IIFL Finance is accelerating its AI-led transformation across underwriting, collections, customer engagement, and cross-sell: • ML-led Voice AI driving significant customer win-back through targeted calling campaigns • Grounded, multilingual 24/7 customer bot with seamless human hand-off for service queries • AI video training launched for 50%+ of frontline staff, accelerating proficiency at scale, alongside faster credit decisions using structured discussion capture • AI-powered gold-image fraud detection analysed over 1.5 lakh gold ornament images in Q1FY27 to focus field audits on higher-risk cases Outlook IIFL Finance enters the rest of FY27 with strong momentum, a robust balance sheet, and a clear strategic roadmap targeting ~25% AUM growth, ROA of 3.1-3.3%, ROE of 16-20%, and an off-book mix of 35-40% for the full year, focused on: • Scaling secured lending franchises • Expanding co-lending partnerships with banks • Proposed equity raise • Maintaining superior asset quality and capital discipline Quarter ended Quarter ended Quarter ended Rs Crore Y-o-Y Q-o-Q Jun 30, 2026 Jun 30, 2025 Mar 31, 2026 Loan AUM 1,15,523 83,889 38% 1,08,180 7% Pre-provision operating 1,252.4 836.1 50% 1,172.7 7% profit* Profit before tax (pre- 928.6 356.3 161% 832.6 12% exceptional items) Profit after tax (pre-NCI1) 713.1 274.2 160% 623.2 14% Return on assets 3.1% 1.6% 156 bps 3.0% 17 bps Return on equity 19.5% 7.6% 1188 bps 17.9% 162 bps GNPA 1.6% 2.3% (79 bps) 1.5% 9 bps NNPA 0.8% 1.1% (31 bps) 0.7% 9 bps *excluding net gain/(loss) on fair value changes 1NCI is Non-controlling interest Leadership Update Mr. Vikas Jain joins as Chief Financial Officer, bringing over two decades of experience across finance, treasury, capital markets, risk and investor relations in leading financial institutions. He spent over six years with the Bajaj Finserv Group, where he was part of the leadership team during a period of significant growth and operational transformation. Prior to joining the Company, he served as Group CFO at Hinduja Leyland Finance. His experience spans large-scale fund raising, balance sheet management, regulatory engagement and building high-performing finance functions, and he will play a key role in supporting the Company’s next phase of growth an [Showing first 8,000 characters — download PDF for full document]