L&T Finance Limited — Investor Meet, 28-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

L&T Finance posted strong Q1FY26 results: PAT at Rs. 701 Cr (+10% QoQ) & highest-ever consolidated book of Rs. 1,02,314 Cr. RoA hit 2.37%. Disbursements surged 18% YoY to Rs. 17,522 Cr, driven by retail book growth. Strategic moves include the Gold Loan business acquisition and rapid Project Cyclops (AI-ML underwriting) rollout, slashing Two-Wheeler loan non-starters. Cyclops is expanding to other segments. Management sees improving rural sentiment & aims for 2.3-2.5% credit costs by FY26 exit as Karnataka issues stabilize. Confident outlook, leveraging tech for risk-calibrated growth.

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