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- Revenue: Total Revenue from Operations rose to ₹ 2,854.34 L, up 17 % versus the prior quarter (Q1 2026).
- Profit after Tax (PAT): Un‑audited PAT reached ₹ 695.96 L, a 26 % increase over Q1 2026.
- Margins: Net profit margin improved to 24.38 % from 22.58 % a quarter earlier, indicating stronger profitability despite higher expenses.
- Expense growth: Total expenses climbed 12 % to ₹ 1,979.27 L, well‑contained relative to the 17 % revenue rise.
- Leverage & capital strength:
- Debt‑Equity ratio rose to 2.29 (from 2.14).
- Total debt‑to‑assets increased to 66.71 % (from 65.91 %).
- Capital Adequacy Ratio (RBI) remains robust at 32.11 %, above regulatory minimums.
- Security cover: Secured NCDs (₹ 18,645.17 L) are backed by ≥ 1.10 × coverage, satisfying covenant requirements.
- Capital actions:
- Authorized share capital boosted from ₹ 100 Cr to ₹ 12,500 Cr (approved 25 Apr 2026).
- Issued ₹ 5,000 L of green‑shoe NCDs in May 2026 (ISIN INE01XO07066).
- Filed a Draft Red Herring Prospectus for an IPO on 22 Jul 2026.
- Operational note: Profitability gains were driven by higher interest income while expense growth remained moderate.
Company: IFL Finance Limited (NSE: 1225IFL27, 1225IFL28, 1175IFL28, 1180IFL28, 1180IFL28A, 1175IFL28A, 1180IFL28B).
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