L&T Finance Limited — Important, 03-04-2025: Updates

Retail disbursements for FY25 are projected to be approximately ₹60,020 crore, marking an annual growth of around 11%. The estimated retail loan book at the end of Q4FY25 is expected to reach ₹95,100 crore, reflecting a year-on-year growth of about 19%. The retailisation of the portfolio is anticipated at 97%, up from 94% in Q4FY24. For Q4FY25, retail disbursements are projected at around ₹14,870 crore.

Notably, rural finance disbursements are expected to decrease slightly, while both urban finance and SME finance are forecasted to see increases. The PAN India collection efficiency for March 2025 stands robust at approximately 99.38% for Rural Group Loans and Micro Finance. These figures indicate solid operational performance and a positive outlook for the company's growth trajectory, with particular strength in urban and SME segments. Investors should watch closely for further developments in the retail sector and potential implications on growth strategies.