L&T Finance Limited — PPTs, 18-07-2025: Investor Presentation

Here's the summary of L&T Finance's Q1FY26 investor presentation:

**1. Financial Highlights:**

L&T Finance Consolidated Book at ₹ 1,02,314 Cr, retailisation 98%. Retail disbursements up 18% YoY to ₹ 17,522 Cr. NIMs+Fees at 10.22%. PAT ₹ 701 Cr, RoA 2.37%, RoE 10.86%. Credit cost 2.23% (post ₹ 300 Cr provision utilization). Asset quality stable: Consol GS3 3.31%, NS3 0.99%. WACB improved to 7.68% (down 16bps QoQ).

**2. Strategic Initiatives & Growth Drivers:**

Project Cyclops, for advanced underwriting, expanded across Two Wheeler, SME, Farm Equipment & Personal Loans. Digital partnerships (Amazon Pay, CRED, PhonePe) scaled up personal loan disbursements. Continuing to expand customer acquisition and digital architecture with Project Nostradamus. Recertified as a 'Great Place to Work'.

**3. Business Developments:**

Entered Gold Financing via acquisition (~₹ 1,300 Cr book), diversifying secured products & leveraging customer base. Rural Business Finance grew 10% QoQ.

**4. Market Position & Competitive Advantage:**

Secured debut investment-grade BBB- ratings (S&P, Fitch) at par with India's Sovereign, opening global capital markets. Domestic ratings 'AAA'. Demonstrates superior asset quality & collection efficiencies vs. industry in key retail segments.

**5. Investor Implications:**

Updates signal robust performance & strategic execution. Positive growth potential seen, backed by disciplined asset quality & stronger funding.