IFL Finance Ltd.

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About the Company

We are a non-deposit taking, non-banking financial company classified as an Investment and Credit Company (NBFCICC) and categorized as a Base Layer NBFC under the Reserve Bank of India’s framework, registered with the Reserve Bank of India (“RBI”) under Section 45-IA of the Reserve Bank of India Act, 1934, bearing registration no. N-14.03651. We carry on business of providing secured retail loans with a primary focus on gold loan products. As of March 31, 2026, we operated a network of 88 branches across four states and one Union Territory, comprising 31 branches in the National Capital Territory of Delhi, 33 branches in Rajasthan, 11 branches in Madhya Pradesh, 9 branches in Uttar Pradesh and 4 branches in Haryana, through which we served over 33,000 active borrowers. We were originally incorporated in September 2015 as “IFL Housing Finance Limited” and received a certificate of registration from the National Housing Bank bearing certificate no. 12.0164.17 dated December 12, 2017, pursuant to which we commenced our housing finance business. The name of our Company was changed from “IFL Housing Finance Limited” to “IFL Finance Limited” pursuant to a special resolution passed by our Shareholders at the extraordinary general meeting held on March 18, 2025, and a fresh certificate of incorporation dated April 8, 2025 was issued by the RoC, Delhi. Pursuant to our strategy to diversify and expand our lending portfolio, with a focus on secured retail lending such as gold loans, we subsequently surrendered our housing finance company licence and were granted a fresh certificate of registration by the RBI as an NBFC-ICC in June 2025, pursuant to which carry on the business of providing secured retail loans, including loans against the pledge of gold as well as home loans and loan against properties.