L&T Finance FY26 PAT Soars 14% to ₹3,003 Crore; Q4 PAT Jumps 27%
L&T Finance Ltd. reported FY26 consolidated PAT of ₹3,003 Crore, up 14% YoY. Q4FY26 PAT rose 27% YoY to ₹807 Crore. Retail book grew 26% to ₹1,19,508 Crore, with disbursements up 39% to ₹83,213 Crore. The board recommended a dividend of ₹2.75 per share for FY26.
The announcement details record financial performance, significant growth across key business segments, and a new long-term strategic plan, all of which are material to investors and the company's future outlook. The recommended dividend also adds to the impact.
The company reported record-breaking financial results with significant year-on-year growth in PAT, retail book size, and disbursements. Key financial metrics like WACB improved, and asset quality remained stable. The announcement of a new strategic plan and a dividend further contributes to the positive sentiment.
L&T Finance Ltd. (LTF) has announced its audited financial results for the quarter and financial year ended March 31, 2026. The company reported its highest-ever consolidated annual Profit After Tax (PAT) of ₹3,003 Crore for FY26, marking a 14% year-on-year increase. The PAT for the fourth quarter of FY26 (Q4FY26) stood at ₹807 Crore, a significant 27% year-on-year growth.
The company's retail franchise demonstrated robust performance, with the Retail Book Size reaching ₹1,19,508 Crore, up 26% year-on-year. Annual retail disbursements hit a record high of ₹83,213 Crore, a 39% year-on-year increase. Consolidated book size for FY26 was ₹1,21,728 Crore.
LTF also reported its lowest-ever quarterly Weighted Average Cost of Borrowing (WACB) at 7.17% in Q4FY26, a reduction of 67 basis points year-on-year. The yearly WACB for FY26 was 7.35%, down 48 basis points year-on-year. Asset quality remained steady, with Gross Stage 3 (GS3) at 2.88% and Net Stage 3 (NS3) at 0.96% in Q4FY26.
The Board of Directors has recommended a dividend of ₹2.75 per equity share for FY26. The company is accelerating its technology deployment to become an AI-enabled lender and has launched a new 5-year strategic plan, Lakshya 2031, with ambitious targets for book growth, credit cost, RoA, and RoE.
Mr. Sudipta Roy, Managing Director & CEO, highlighted the company's resilience and disciplined execution during FY26, despite market headwinds. He expressed confidence in the solid foundation built during the Lakshya 26 period to drive consistent growth and value creation under the new Lakshya 31 roadmap.
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