IIFL Finance Limited has informed the Exchanges regarding Q2FY27 Investor Presentation

October 15, 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 & half year ended September 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 & half year ended September 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 A IIFL Finance Limited – Q2FY27 Results Press Release Press Release For immediate publication Mumbai, India | October 15, 2026 Strong Q2FY27 Performance: PAT at ₹805 Cr, up 13% QoQ; AUM crosses ₹1.24 lakh Cr. IIFL Finance Limited (“IIFL Finance”), a leading retail-focused NBFC, today announced its financial results for the quarter ended September 30, 2026, delivering strong growth, an improvement in overall GNPA, and robust profitability. Performance Overview • IIFL Finance delivered a robust quarter, with consistent growth across its core businesses, supported by its secured-lending focus, disciplined portfolio rebalancing and improving operating efficiency. • Total income rose 23% YoY to ₹2,339.6 crore, while pre-provision operating profit increased 31% YoY to ₹1,355.1 crore. Profit before tax rose 93% YoY to ₹1,073.7 crore, supported by operating leverage and lower loan losses and provisions. • For Q2FY27, PAT (pre-NCI) stood at ₹805.0 Cr, marking a 93% YoY growth, highlighting the continued strength of the company’s secured lending strategy Key Highlights ➢ Consolidated AUM grew to ₹1,24,268 Cr, up 8% QoQ and 38% YoY ➢ Profit After Tax (pre-NCI) stood at ₹805.0 Cr, up 13% QoQ and 93% YoY ➢ Gross NPA at 1.5% (down 7 bps QoQ) ➢ Net NPA at 0.9% (up 5 bps QoQ) ➢ Provision Coverage Ratio at 91% ➢ Book value at ₹351.5 ➢ ROA at 3.1% and ROE at 20.1% (annualized for H1FY27). ➢ Strong liquidity position of ₹13,805 Cr ➢ Computed consolidated CRAR at 23.5% Mr. Nirmal Jain, Founder & Managing Director, IIFL Finance said: “Q2 FY27 delivered robust growth, with AUM crossing ₹1.24 lakh crore, up 38% year-on-year, a 90% secured AUM and GNPA of 1.5%. ROE above 20% reflects strong gold and mortgage franchises, lower credit costs and improved operating efficiency. As gold loan growth moderates, we expect home loans and secured MSME lending to gain momentum. We are strengthening risk, audit, compliance and customer service through AI, while deepening bank partnerships. The Fitch upgrade underscores growing confidence in our credit profile. We expect to sustain resilient, capital-efficient growth through FY27 while serving underserved India.” Business Segment Performance • Gold Loans: Gold loan AUM surged to ₹65,729 Cr, up 90% YoY and 13% QoQ, emerging as the primary growth driver. Yields improved marginally by 15bps QoQ. Asset quality remained healthy with GNPA at 0.90% • Home Finance: Total AUM stood at ₹43,070 Cr, up 4% QoQ. Asset quality improved with GNPA declining to 1.38%, reflecting continued focus on prudent underwriting • MSME Loans: Continued shift towards secured MSME lending, with MSME AUM growing 11% QoQ to ₹11,948 Cr and disciplined reduction in unsecured exposure, leading to improved risk profile • Microfinance: Consolidated microfinance AUM stood at ₹9,489 broadly flat QoQ with improving asset quality Key Updates • IIFL Finance successfully completed a ₹25 crore tokenised bond transaction, becoming the first Non-PSU Non-Banking Financial Company (NBFC) in India to undertake a transaction of this nature • Fitch Ratings upgraded IIFL Finance (IIFL) Long-Term Issuer Default Rating (IDR), senior secured debt and global medium-note programme (GMTN) ratings to 'BB-' from 'B+'; outlook stable • CRISIL ESG Ratings has assigned an ESG rating of ‘CRISIL ESG 66’ and Core ESG rating of ‘CRISIL Core ESG 70’ 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 ₹1.7 lakh Cr since FY14 (through Q2FY27). AI Transformation IIFL Finance is accelerating its AI-led transformation across underwriting, collections, customer engagement, and cross-sell: • Voice AI is live in gold-loan sales, with acquisition cost below 1% of loan value in the pilot and a target of below 0.3% at scale. • AI credit assessment is now used for 85%+ of SME LAP applications to generate credit assessment memoranda. • AI video-based sales training has engaged 12,000+ sales employees through interactive, customised content in their own language. • AI-powered fraud detection has analysed over 11 lakh gold jewellery images and is implemented across all gold-loan branches. Outlook IIFL Finance enters the rest of FY27 with strong momentum, a robust balance sheet, and a clear strategic roadmap focused on: • Scaling secured lending franchises • Expanding co-lending partnerships with banks • Progressing the proposed equity raise, pursuant to the enabling shareholder approval received in July 2026 • Maintaining superior asset quality and capital discipline Quarter ended Quarter ended Quarter ended Rs Crore Y-o-Y Q-o-Q Sep 30, 2026 Sep 30, 2025 Jun 30, 2026 Loan AUM 1,24,268 90,122 38% 1,15,523 8% Pre-provision operating 1,355.1 1,032.5 31% 1,252.4 8% profit 1 Profit before tax 1,073.7 556.7 93% 928.6 Profit after tax (pre-NCI2) 805.0 417.9 93% 713.1 13% Return on assets 3 3.2% 2.2% 99 bps 3.1% 9 bps Return on equity 3 20.8% 11.9% 890 bps 19.5% 132 bps GNPA 1.5% 2.1% (66 bps) 1.6% (7 bps) NNPA 0.9% 1.0% (13 bps) 0.8% 5 bps Notes 1. excluding net gain/(loss) on fair value changes 2. NCI is Non-controlling interest 3. Annualized Mr. Vikas Jain, CFO, IIFL Finance said: “For H1FY27, PAT (pre-NCI) more than doubled year-on-year to ₹1,518 crore, supported by stronger operating leverage and a 43% reduction in loan losses and provisions YoY. With liquidity of ₹13,805 crore, a well-diversified borrowing mix and consolidated CRAR of 23.5%, we remain well positioned to fund growth while maintaining balance-sheet resilience and capital discipline.” “During the quarter, we also completed a ₹25 crore tokenised bond transaction, becoming the first non-PSU NBFC in India [Showing first 8,000 characters — download PDF for full document]