L&T Finance Ltd

📈 L&T Finance Reports Strong FY26 Growth: Retail Disbursements Up 62%, PAT Rises 27%

• Consolidated assets stood at ₹1,21,728 Cr

• Retail disbursements grew 62% YoY to ₹24,107 Cr

• Retail book grew 26% YoY to ₹1,19,508 Cr

• PAT increased 27% YoY to ₹807 Cr in Q4FY26

• RoA was 2.40% and RoE rose to 11.71% in Q4FY26

• FY26 PAT (after one-time Labour Code impact) was ₹2,981 Cr

• FY26 RoA was 2.37% and RoE reached 11.25%

• Credit cost remained steady at 2.54%

• Asset quality improved: consolidated GS3 was 2.88% and NS3 was 0.96% in Q4FY26

• Slippages decreased from ₹944 Cr in Q1FY26 to ₹402 Cr in Q4FY26

• Wholesale book reduced 14% YoY to ₹2,220 Cr

• Security Receipts decreased 18% YoY to ₹4,808 Cr

• AI initiatives like Project Cyclops improved credit performance and collections efficiency