L&T Finance Limited — Updates, 18-07-2025: Press Release

L&T Finance (LTF) reported a consolidated PAT of Rs. 701 Cr, up 10% QoQ. The company achieved its highest-ever consolidated book of Rs. 1,02,314 Cr, with retail contributing 98% (Rs. 99,816 Cr), demonstrating strong growth. Retail disbursements surged 18% YoY to Rs. 17,522 Cr, led by Farmer, Home, LAP, Gold, and Personal Loans. LTF successfully integrated its Gold Loan portfolio and expanded 'Project Cyclops,' its AI-driven credit engine, boosting efficiency. Asset quality remained stable with GS3 at 3.31% and NS3 at 0.99%, while cost of borrowing reduced. The company secured investment-grade credit ratings, paving the way for global capital access.