| Management target | Revenue 20.0% FY31 |
|---|
| Margins | NIMs + Fees stable at 10.47%; Opex improved to 4.03%. |
|---|---|
| Order book | Book size ₹1,29,634 Cr (+27% YoY). |
| Demand visibility | Strong retail disbursement growth across Urban, Farmer, and SME segments. |
| Management confidence | High; accelerating growth agenda under Lakshya 2031. |
Growth
Retail book grew 27% YoY to ₹1,29,634 Cr; disbursements increased 36% YoY to ₹23,852 Cr.
Outlook
Lakshya 2031 targets 20%+ book growth, RoA of 3.0-3.2%, and RoE of 16-18%.
Risks
Credit costs at 2.54% and RoE at 12.71% remain 'Work In Progress' against ambitious 2031 targets.
Last quarter's promises, checked
Delivered
- Guided Retailization >95% → delivered 98% (= BEAT)
- Guided Retail book growth 25% CAGR → delivered 28% (= BEAT)
- Guided GS3 <3% and NS3 <1% → delivered 2.88% and 0.96% (= BEAT)
Partly delivered
- Guided Credit Cost 2.0-2.2% by Q4FY27 → delivered 2.64% (= PARTIAL)
Missed
- Guided RoA 2.8-3.0% → delivered 2.4% (= MISS)
Earnings Call filed with NSE, NSE: LTF. Summary written with AI assistance from the document.
L&T Finance Ltd: key numbers
- Share price
- ₹284.00
- Market cap
- ₹71,180 Cr
- Revenue (annual)
- ₹17,914 Cr
- Net profit (annual)
- ₹2,981 Cr
- P/E (TTM)
- 22.4×Sector 22.0×
- Promoter holding
- 65.96%-0.03% QoQ
- FII holding
- 7.71%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from L&T Finance Ltd
All →L&T Finance Credit Rating
L&T Finance Ltd received a reaffirmation of its credit ratings from CARE Ratings Limited. The company's various debt instruments continue to hold high ratings with stable outlooks.
L&T Finance Debt & Borrowing: ₹29.71 Cr
L&T Finance paid Rs. 29.71 Crore half-yearly interest on Series A FY 2019-20 bonds on 24 September 2026. The coupon was disbursed on schedule with no delay.
- Value
- ₹29.71 Cr
L&T Finance Other Announcement
L&T Finance has received an ESG rating of 79.15 (Leader category) from Niche Ninety Nine Capability and Certifications (OPC) Private Limited.
L&T Finance Debt & Borrowing: ₹650 Cr
L&T Finance allotted 65,000 senior, secured, non-convertible debentures worth ₹650 Crore on a private placement basis. These instruments carry a coupon of 7.8384% per annum.
- Value
- ₹650.0 Cr
L&T Finance Debt & Borrowing: ₹0.91 Cr
L&T Finance confirmed timely interest payments for four non-convertible debt securities. The company remains compliant with SEBI regulations regarding debt payment obligations.
- Value
- ₹0.91 Cr
L&T Finance Debt & Borrowing: ₹11.49 Cr
L&T Finance Limited has paid ₹11.49 Crore in interest to its debenture holders for Series J, confirming timely completion of the debt obligation.
- Value
- ₹11.49 Cr