L&T Finance Limited — PPTs, 10-07-2026: Investor Presentation

**Business Performance:** L&T Finance posted strong Q1FY27 results. Total book grew 27% YoY to ₹1,29,634 Cr, with disbursements up 36% YoY to ₹23,852 Cr. Profit After Tax (PAT) increased 29% YoY to ₹902 Cr. Retail business now drives 98% of the book, showing impressive growth in Gold Finance (+182% YoY on book) and Urban Finance. RoA stood at 2.48% and RoE at 12.71%.

**Growth Drivers & Strategy:** The company is pushing its 'Lakshya 2031' strategy, focusing on being a 'Risk-first, Tech-first AI-native' financial institution. Key to this are AI platforms like 'Cyclops' for smarter underwriting and 'Nostradamus' for sharp portfolio monitoring, aiming for sustained growth, improved credit, and lower operating costs. Private cloud build-out further supports cost efficiency.

**Recent Developments:** L&T Finance launched 'Canyon,' a new AI-powered Loan Origination System for Gold Finance. Digital channels continue to grow rapidly, with their 'PLANET' app recording 2.5 Cr downloads. They also achieved an overall Net Promoter Score (NPS) of 57, indicating strong customer satisfaction.

**Key Financial Metrics (Q1FY27):**

* Book: ₹1,29,634 Cr (+27% YoY)

* Disbursements: ₹23,852 Cr (+36% YoY)

* PAT: ₹902 Cr (+29% YoY)

* RoA: 2.48%, RoE: 12.71%

* Credit Cost: 2.54%, NIMs + Fees: 10.47%

* AAA Domestic Credit Rating.

**Management Outlook:** Management sees AI and technology as foundational for sustained growth and better financial outcomes, emphasizing stringent risk management and a diversified funding strategy to meet 'Lakshya 2031' targets.