CreditBrief

What IIFL Finance lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹1.24 lakh crore (+15% since March).

IIFL FinanceNBFCs

₹1.08lakh croreloan AUM, consolidated on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers9thof 13 NBFCs on CreditBrief, March 2026
Biggest segment52.9%Gold Loan, latest split (30 Sep 2026)
Share of the combined book4.8%of all NBFCs on CreditBrief

Chapter 01 · The loan book

₹1.08 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in IIFL Finance's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from gold loan down, and you get ₹1.08 lakh crore. By 30 Sep 2026 it was ₹1.24 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

88%People and households₹1.09 lakh croreHome LoanGold LoanMicrofinance
10%Businesses₹12,701 croreMSME SecuredSupply ChainCRE

2% sits in lines the filing does not tie to either: Discontinued Business, Capital Market.

Drilling down: what it lends against · 30 Sep 2026

  • Gold Loan₹65,729 crore52.9%
  • Home Loan₹33,789 crore27.2%
  • MSME Secured₹11,596 crore9.3%
  • Microfinance₹9,489 crore7.6%
  • Discontinued Business₹2,008 crore1.6%
  • CRE₹753 crore0.6%
  • Capital Market₹551 crore0.4%
  • Supply Chain₹352 crore0.3%

Group figure, including IIFL Home Finance and IIFL Samasta. "Discontinued business" is personal and unsecured business loans it has stopped making. "CRE" is construction and real estate lending.

Sources: IIFL Finance Investor Presentation Q4 FY26, PDF page 18 ↗ for March 2026; IIFL Finance Investor Presentation Q2 FY27, PDF page 14 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 21% a year since March 2022.

From ₹51,210 crore on 31 March 2022 to ₹1.08 lakh crore on 31 March 2026, and ₹1.24 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights12 figures from 7 filings · each checked against its pageHow it works
IIFL Finance · loan book · 31 March 2026₹1.08lakh crore+38% in FY2025-26₹1.24 lakh crore by 30 Sep 2026
  1. 0121%a year since 2022Grew 21% a year from March 2022 to March 2026, faster than 6 of the 10 other NBFCs with like-for-like figures for those years.
  2. 0238%in FY2025-26Growth picked up to 38% in FY2025-26, from -0.8% the year before.
  3. 039thamong peersHeld its place as the 9th biggest of these 13 NBFCs from March 2022 to March 2026.
Branches4,829-1.6% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · loan AUM, consolidated51,21064,63878,96078,3411,08,1801,24,268
BranchesNumber3,2964,2674,8014,9064,8295,091

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at IIFL Finance, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

IIFL Finance, Q2 FY2026-27: loan book ₹1.24 lakh crore, +15% since March

  • ₹1.24 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Gold Loan, 53% of the book
  • Every figure links to page 14 of its filing

Chapter 03 · Among its peers

9th biggest of 13 NBFCs we cover, March 2026.

At the end of FY2025-26 it held 4.8% of the combined loan book of the NBFCs on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1Bajaj Finance₹5.10 lakh crore
  2. 2Shriram Finance₹3.02 lakh crore
  3. 3Tata Capital₹2.77 lakh crore
  4. 4Cholamandalam Investment and Finance₹2.24 lakh crore
  5. 5Muthoot Finance₹1.63 lakh crore
  6. 6Aditya Birla Capital₹1.60 lakh crore
  7. 7Mahindra Finance₹1.34 lakh crore
  8. 8L&T Finance₹1.22 lakh crore
  9. 9IIFL Finance₹1.08 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

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Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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