IIFL Finance reported robust Q4FY26 results.

Consolidated AUM grew to ₹1.08 lakh Cr, up 38% YoY.

Total income for the quarter reached ₹2,090 Cr, a 51% YoY increase, while profit after tax (PAT) jumped 148% YoY to ₹623 Cr.

For the full year FY26, PAT stood at ₹1,817 Cr, marking a significant 214% YoY growth.

Gold Loans were a primary growth driver, with AUM surging 150% YoY to ₹52,581 Cr, complemented by stable Home Finance AUM of ₹40,075 Cr.

The company's strategy focuses on "Resilient, Capital-Efficient Growth" through secured lending and an AI-led operating model.

Co-lending partnerships also fuel capital-light expansion.

Recent highlights include an AI-driven lead generation engine contributing ~₹1,000 Cr monthly pipeline and new co-lending tie-ups with Central Bank of India, J&K Bank, and Bank of Maharashtra for Gold Loans.

Cumulative co-lending originations now exceed ₹50,000 Cr with zero losses.

Asset quality improved, with Gross NPA at 1.5% and Net NPA at 0.7%. ROA stood at 2.4% and ROE at 13.1%. Management projects continued scaling of secured lending and co-lending, enhanced AI productivity, and disciplined asset quality for FY27.