Income tax special audit outcome
A special audit under Section 142(2A) for a 6-year block period could result in tax demands, though management considers it procedural.
IIFL / Q3-FY26 / risks
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IIFL Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Capital adequacy pressure from gold loan growth
Rapid gold loan growth may strain standalone capital (Tier 1 ~12.8%), requiring co-lending or equity raise if not managed.
Elevated credit costs from legacy unsecured portfolio
Provisions for discontinued unsecured MSME and personal loans remain elevated (~₹300 Cr/quarter), though expected to decline.
Housing finance turnaround execution risk
New strategy focusing on affordable/emerging segments may take 2-3 quarters to improve yields and growth.