IIFL Finance Limited is one of India’s leading non-banking financial companies (NBFCs), offering a wide range of services including home loans, gold loans, business loans, microfinance, and wealth management. Known for its diversified portfolio and strong digital infrastructure. The company has positioned itself as a major player in the Indian financial sector.
In this article, we explore the IIFL Finance Share Price Target from 2025 to 2040, based on its financial performance, growth prospects, and market dynamics.
Current Financial Overview of IIFL Finance
- Current Price: ₹519.10
- Open: ₹533.50
- High: ₹533.90
- Low: ₹517.85
- Market Cap: ₹22,030 Crore
- P/E Ratio: 12.91
- Dividend Yield: 0.75%
- 52-week High: ₹683.19
- 52-week Low: ₹304.25
- 1-Year Performance: -7.16%
- Retail & Others: 37.35%
- Foreign Institutional Investors (FIIs): 30.31%
- Promoters: 24.91%
- Mutual Funds: 4.39%
- Other Domestic Institutions: 3.05%
This indicates a healthy mix of institutional and retail investors, showcasing trust and interest from both domestic and international players.
| Year | Target Price (₹) |
| 2025 | 400-550 |
| 2026 | 600-800 |
| 2027 | 850-900 |
| 2028 | 950-1100 |
| 2029 | 1200-1450 |
| 2030 | 1550-1800 |
| 2035 | 1900-2150 |
| 2040 | 2200-2400 |
2025 Target – ₹400-550
A 20%+ growth from the previous year is expected in 2025 due to strong growth in housing and consumer loans. Improved asset quality and expansion into rural and semi-urban areas will likely fuel this growth.
2026 Target – ₹600-800
In 2026, the company is expected to benefit from increased demand for affordable housing loans, supported by schemes like Pradhan Mantri Awas Yojana (PMAY). Continued digital innovation will also enhance loan disbursement and customer acquisition.
2027 Target – ₹850-900
With a diversified loan portfolio including gold and vehicle loans, IIFL will likely see consistent revenue growth. An improving economy will boost personal loan demand, aiding overall growth.
2028 Target – ₹950-1100
Macroeconomic tailwinds and better Net Interest Margins (NIM) will support profitability. IIFL’s fintech investments are expected to enhance customer experience and operational scalability.
2029 Target – ₹1200-1450
Strategic partnerships with fintech companies and deeper penetration into Tier-II and Tier-III cities are likely to accelerate growth. The company is also expected to maintain strong asset quality.
2030 Target – ₹1550-1800
By 2030, IIFL’s share price is projected to touch ₹1500-1800, backed by steady loan growth and diversification into wealth management and insurance. Its balanced portfolio will help mitigate risks and ensure sustainable profitability.
Key Growth Drivers for IIFL Finance
- Diverse Loan Portfolio: Balanced exposure to gold loans, home loans, SME loans, and microfinance helps manage risks effectively.
- Rural and Semi-Urban Focus: Expansion into underpenetrated regions unlocks significant market potential.
- Digital Transformation: Investments in fintech help lower costs, improve reach, and enhance customer service.
- Strong Institutional Support: 30.31% stake held by FIIs and 24.91% by promoters reflects investor confidence.
- Supportive Government Policies: Schemes promoting housing, SMEs, and financial inclusion are aligned with IIFL’s services.
- Asset Quality Management: Efficient control over NPAs supports long-term financial health.
Risks and Challenges
- Regulatory Changes: Any unfavorable policy shift affecting NBFCs can impact operations.
- Economic Slowdown: Sluggish economic activity may affect loan repayments and disbursement volumes.
- Intense Competition: The NBFC space is becoming crowded, which may affect margins.
- Interest Rate Risks: Sharp changes in rates may impact NIMs and customer loan demand.
Frequently Asked Questions (FAQs)
1. What is the price target for IIFL in 2026?
In 2026, ₹600-800, supported by Pradhan Mantri Awas Yojana (PMAY) and loan book growth.
Is IIFL Finance a good long-term investment?
Yes, due to its strong fundamentals, digital push, and growth potential in underserved markets.
What are the main risks in investing in IIFL Finance?
Regulatory changes, interest rate fluctuations, economic slowdowns, and intense competition.
What is the target price for IIFL Finance in 2040?
The projected share price is ₹2200-2400.
How does IIFL benefit from government policies?
IIFL taps into schemes like PMAY and SME support programs, expanding its customer base and revenue opportunities.
Conclusion
IIFL Finance is well-positioned for robust growth from 2024 to 2040. With a strong loan portfolio, rural focus, and digital innovations, it is likely to outperform in the NBFC space. However, investors should keep an eye on regulatory and macroeconomic factors.
Disclaimer: This article is for educational purposes only. Please do your own research or consult a financial advisor before making any investment decisions.