”The third quarter reflects a consolidation of IIFL Finance’s transformation, marking a clear shift from stabilisation to sustainable operating momentum. Disciplined portfolio re-setting continues to deliver results, with robust loan growth led by gold loans, improved asset quality, and strong capital and liquidity buffers. These gains are also reflected in higher confidence from international rating agencies, as evidenced by recent rating outlook upgrades. With risks well contained and returns improving, the foundation for scalable, high-quality growth is firmly in place. Going forward, our AI-led operating framework, phygital distribution network, and strong risk and compliance discipline will remain central to delivering consistent performance and long-term value creation”