L&T Finance Limited — Investor Meet, 20-07-2026: Analysts/Institutional Investor Meet/Con. Call Updates

L&T Finance reported strong Q1FY27 results with consolidated PAT of ₹902 Cr (up 29% YoY) and a consolidated book of ₹1,29,634 Cr (up 27% YoY). RoA improved to 2.48% and RoE to 12.71%. Retail disbursements surged 36% YoY to ₹23,852 Cr, with significant growth in Gold Loans (up 180% YoY) and Personal Loans (up 126% YoY). Management highlighted prudent, AI-driven growth, with credit cost moderating to 2.54%. Key AI initiatives like Project Cyclops and Nostradamus are driving underwriting and portfolio quality. The company aims to be an AI-native retail financier, focusing on disciplined execution for sustainable profitability and achieving Lakshya 2031 goals.