L&T Finance Limited — Investor Meet, 05-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

L&T Finance crushed Q4FY26! PAT surged 27% YoY to ₹807 Cr, with annual PAT hitting ₹3,003 Cr (+14% YoY). Retail disbursements soared 62% YoY to ₹24,107 Cr, boosting the retail book to ₹1,19,508 Cr (+26% YoY). RoA stands at 2.40%, and credit costs moderated to 2.64%. The company unveiled ambitious Lakshya 2031 goals: 20%+ book growth, RoA of 3.0-3.2%, and credit costs under 2%. For FY27, it targets over 20% AUM growth, 2.8% RoA, and 2-2.2% credit costs, driven by AI tools like Project Cyclops and aggressive gold loan and multi-product branch expansion. Management is confident but vigilant on global and weather-related risks. #LTF