IIFL Finance Ltd

- IIFL Finance plans to grow its business, targeting 20%+ growth. - Capital adequacy is a key focus area for improving credit ratings. - To manage capital requirements, the company aims to grow co-lending and off-book assets significantly to around 40-45%. - Debt capital will continue to be raised periodically as appropriate. - Equity capital will be raised whenever the timing is right. - The company is comfortable with a leverage ratio up to 4.5x and can go as high as 6.7x or even 10x based on capital adequacy. - No fixed timeline is given for any specific equity raise. - Overall, capital raising (equity and debt) will be strategic and aligned with growth and regulatory requirements.

The transcript from the provided pages does not explicitly mention any current or future capex, capital investment, or strategic investment plans by IIFL Finance Limited. However, there are some strategic directions and operational focuses highlighted: - Focus on asset quality, capital efficiency, and sustainable growth. - Emphasis on co-lending and off-book partnerships with banks to drive capital-efficient growth. - Investment in AI-led operating models to enhance productivity, underwriting, collections, and risk control. - Potential capital raising mentioned as appropriate to support growth, particularly to address capital adequacy while maintaining leverage around 4.5x. - Demerger plans involving separation into multiple entities (standalone, Home Finance, Samasta), which could be strategic structural changes. No specific capex or strategic investment figures or projects were detailed in the Q4 FY26 call.

- IIFL Finance plans 18%-20% growth in Assets Under Management (AUM) for FY27, with related disbursement growth of 25%-27%. (Page 16-17) - Gold loan AUM expected to grow by 20%-25% if gold prices remain stable. (Page 12-13) - Housing finance loan book growth guidance is 18%-20% for FY27, with disbursements at 25%-27%, focusing on affordable and emerging segments at higher yields (~12%+). (Page 13-14, 16-17) - Microfinance and micro LAP segments to drive growth, targeting approximately 20% overall growth in MSME loans; average ticket size in microfinance ~INR68,000 and micro LAP ~INR4.8 lakhs. (Page 15-16) - Branch expansion especially in affordable housing planned with about 100 new branches phased in FY27. (Page 15) - Co-lending and off-book AUM expected to grow to 40%-45% to support leverage and capital efficiency. (Page 10)

- Q4 FY26 consolidated profit after tax (PAT) before non-controlling interest was INR 623 crores, up 24% quarter-on-quarter. - Pre-provision operating profit grew 80% year-on-year and 9% quarter-on-quarter to INR 1,173 crores. - Loan AUM crossed INR 1 lakh crore, showing robust growth driven by gold loans and core products. - Outlook mentions entering a phase of sustainable, capital-efficient growth on a stronger foundation. - Focus on growing affordable home loans and microfinance cautiously with improved asset quality. - Guidance for IIFL Home Finance: 18-20% AUM growth and 25-27% disbursement growth in FY27. - Cost of borrowing expected to reduce by 100-120 basis points with rating upgrades, potentially improving profitability. - AI-led productivity initiatives are expected to improve operating efficiency and reduce credit costs. - Overall positive outlook on earnings growth with improving ROE in housing finance as book growth resumes.

The transcript provided from the IIFL Finance Limited earnings call does not explicitly mention the current or expected order book or pending orders. The discussion primarily revolves around: - Asset under Management (AUM) growth and disbursement outlook in various segments like housing finance, gold loans, and microfinance. - Growth guidance for housing finance: 18%-20% AUM growth and 25%-27% disbursement growth for FY27. - Gold loan growth guidance: expected 20%-25% AUM growth assuming stable gold prices. - Strategy focus areas such as growing co-lending/off-book portfolio and improving profitability and credit ratings. - No specific mention of order book size or pending orders in the provided pages. Therefore, based on the available information, no details on current or expected order book/pending orders are disclosed.