IIFL Finance Limited has announced that CRISIL Ratings Limited has reaffirmed the credit ratings of its material subsidiary, IIFL Home Finance Limited. The announcement, made on January 29, 2026, was disclosed to stock exchanges in compliance with Regulation 30 of SEBI's Listing Obligations and Disclosure Requirements Regulations, 2015.

Rating Reaffirmation Details

CRISIL Ratings Limited has maintained its positive assessment of IIFL Home Finance Limited across multiple financial instruments. The rating reaffirmation covers various debt instruments and facilities offered by the housing finance subsidiary.

Regulatory Compliance and Disclosure

The rating reaffirmation was communicated to both BSE Limited and The National Stock Exchange of India Limited as part of mandatory disclosure requirements. IIFL Finance Limited trades on BSE with scrip code 532636 and on NSE with the symbol IIFL. The company has also informed India International Exchange (IFSC) Limited about this development.

Company Information

IIFL Finance Limited, incorporated in 1995, operates from its corporate office in Andheri East, Mumbai, with its registered office located in Thane. The company's material subsidiary, IIFL Home Finance Limited, continues to maintain strong credit ratings, reflecting its financial stability and creditworthiness in the housing finance sector.

The detailed rating information for IIFL Home Finance Limited is available on CRISIL's official website, providing transparency for investors and stakeholders. This rating reaffirmation underscores the subsidiary's continued strong position in the competitive housing finance market.

IIFL Finance has announced its strategic financial targets during a recent conference call, outlining key parameters for maintaining optimal capital structure and regulatory compliance.

Financial Targets and Capital Management

The company has established specific targets for its key financial metrics to ensure sustainable growth and regulatory adherence:

Strategic Capital Planning

IIFL Finance management emphasized their proactive approach to capital management, indicating they are actively monitoring the current business environment and market conditions. This monitoring approach enables the company to assess potential capital raising opportunities as they arise, ensuring adequate funding for business operations and growth initiatives.

The company's leverage target of 4.00-4.50% demonstrates a conservative approach to debt management, while the capital adequacy target of approximately 20.00% indicates strong focus on maintaining robust capital buffers above regulatory requirements.

Management Outlook

During the conference call, the management team highlighted their commitment to maintaining these financial parameters while remaining flexible to market opportunities. The active monitoring of potential capital raising situations suggests the company is prepared to strengthen its capital base when favorable conditions arise or business requirements necessitate additional funding.