L&T Finance Limited — Investor Meet, 13-11-2025: Analysts/Institutional Investor Meet/Con. Call Updates

L&T Finance hit record ₹8,000 Cr disbursements in October, with Rural Biz +42% and Urban Finance +49%. Retail AUM surpassed ₹1 lakh Cr. Its AI underwriting engine, Project Cyclops, is live across Two-Wheeler, Tractor, and SME, delivering sharp credit quality with 7.15% GNS in Two-Wheelers vs. industry 20-22%. Project Nostradamus (AI portfolio management) is also live. Gold Loan AUM reached ₹1,500 Cr, targeting 200 new branches by Mar-26. Management eyes 20-25% AUM growth and 2.8-3% RoA by Q4FY27, powered by deep tech and a 'risk first, tech first' approach for sustainable growth.