Iifl Finance Limited
IIFL Finance Limited (hitherto referred to as IIFL) (NSE: IIFL, BSE: 532636) is one of the leading players in the financial services space in India. Together with its subsidiaries – IIFL Home Finance Limited, IIFL Samasta Finance Limited (Formerly kn...
Key Metrics
EPS
44.90
Current ratio
0.94
Debt/Equity
4.16
Debt/EBITDA
18.22
Interest coverage ratio
-
Operating Cashflow to total debt
-0.12
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Comfortable capitalisation, supported by demonstrated ability to raise capital and an asset-light business model
Established track record of operations and extensive branch network; ability to revive market share in the gold loan business will remain a monitorable
Sustained profitability metrics supported by stable asset quality
Liquidity: Strong
Diversification of resource profile at optimal cost of funding
Cons
Limited diversity in resource profile with comparatively higher cost of funds; ability to restore the volume and quality of funding to pre-embargo levels, is a key rating sensitivity factor
Inability to regain significant market share in the gold loan segment
Any further regulatory developments resulting in sustained weakening of the business profile
Restricted ability to raise resources at competitive rates
Weakening of asset quality, leading to decline in profitability, with consolidated RoMA remaining below 2%
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About Iifl Finance Limited bond.
This comprehensive profile covers key factual information about Iifl Finance Limited. IIFL Finance Limited (hitherto referred to as IIFL) (NSE: IIFL, BSE: 532636) is one of the leading players in the financial services space in India. Together with its subsidiaries – IIFL Home Finance Limited, IIFL Samasta Finance Limited (Formerly known as Samasta Microfinance Limited) and IIFL Open Fintech Private Limited, it provides a diverse range of loans and mortgages. These include home loans, gold loans, business loans including loans against property and medium & small enterprise financing, micro finance, developer & construction finance and capital market finance; catering to both retail and corporate clients. The company has a nationwide presence with a thriving network of 2600+ branches across 500+ cities. EPS in Mar-2024 was 44.90. Current ratio in Mar-2024 was 0.94. Debt/Equity in Mar-2024 was 4.16. Debt/EBITDA in Mar-2024 was 18.22. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was -0.12. Total revenue for Mar-2025 was ₹11452.40. Net income for Mar-2025 stood at ₹2418.36. Total assets as of Mar-2024 were ₹62,419.95. Operating cash flow for Mar-2024 was ₹-5,848.00. The company’s borrowing relationships include HDFC Bank Limited (₹25.00 Cr), (₹1677.66 Cr), Nabkisan Finance Limited (₹77.27 Cr), Canara Bank (₹221.74 Cr), IDBI Bank Limited (₹30.47 Cr), The Karnataka Bank Limited (₹29.82 Cr), Indian Bank (₹208.27 Cr), Canara Bank (₹187.37 Cr), Punjab and Sind Bank (₹366.27 Cr), Union Bank of India (₹187.29 Cr), Bajaj Finance Limited (₹25.00 Cr), Bajaj Finance Limited (₹50.00 Cr), DCB Bank Limited (₹45.00 Cr), Union Bank of India (₹224.86 Cr), Bank of Baroda (₹655.76 Cr), Indian Overseas Bank (₹62.26 Cr), National Bank For Agriculture and Rural Development (₹370.00 Cr), National Bank For Agriculture and Rural Development (₹425.00 Cr), State Bank of India (₹569.93 Cr), Canara Bank (₹157.76 Cr), Bandhan Bank Limited (₹14.29 Cr), HDFC Bank Limited (₹250.00 Cr), DCB Bank Limited (₹56.25 Cr), Bandhan Bank Limited (₹137.50 Cr), Canara Bank (₹499.83 Cr), State Bank of India (₹145.40 Cr), RBL Bank Limited (₹100.00 Cr), IDFC FIRST Bank Limited (₹200 Cr). Peers and comparison entities consist of IIFL Finance Limited, 360 One Wam Limited, Angel One Limited, ICICI Securities Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Comfortable capitalisation, supported by demonstrated ability to raise capital and an asset-light business model; Established track record of operations and extensive branch network; ability to revive market share in the gold loan business will remain a monitorable; Sustained profitability metrics supported by stable asset quality; Liquidity: Strong; Diversification of resource profile at optimal cost of funding. Key risks include: Limited diversity in resource profile with comparatively higher cost of funds; ability to restore the volume and quality of funding to pre-embargo levels, is a key rating sensitivity factor; Inability to regain significant market share in the gold loan segment; Any further regulatory developments resulting in sustained weakening of the business profile; Restricted ability to raise resources at competitive rates; Weakening of asset quality, leading to decline in profitability, with consolidated RoMA remaining below 2%. Leadership team details include Arun Kumar Purwar (Chairperson & Non Executive Director), Bijou Kurien (Independent Director), Geeta Mathur (Independent Director), Gopalakrishnan Soundarajan (Non Executive Director), Kapish Jain (Chief Financial Officer), Mauli Agarwal (Company Secretary & Compliance. Officer), Nihar Niranjan Jambusaria (Independent Director), Nirmal Jain (Managing Director), R Venkataraman (Joint Managing Director), Ramakrishnan Subramanian (Independent Director), T S Ramakrishnan (Non Executive & Nominee Director). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.