L&T Finance Investor Digital Day Transcript on November 6, 2025
L&T Finance's Investor Digital Day showcased tech initiatives (Project Cyclops & Nostradamus), scaled partnerships, integrated Gold Loans, and set growth targets, aiming for 20-25% AUM growth and 2.8-3% RoA by Q4FY27.
The strategic initiatives and growth targets outlined in the announcement suggest a potentially significant impact on the company's future performance and market position.
The announcement highlights positive developments such as record disbursements, successful integration of acquisitions, and ambitious growth targets, indicating a positive outlook for the company.
* L&T Finance held its Investor Digital Day on November 6, 2025, coinciding with the RAISE 2025 AI and Tech conference. * The event included presentations by the MD & CEO, Mr. Sudipta Roy, and other senior management members on tech vision, digital architecture, AI-based underwriting and portfolio management engines (Project Cyclops and Project Nostradamus), and business updates. * Project Cyclops, an AI-based credit engine, is now operational for Two-Wheeler, Tractor, and SME businesses, with over 1 million lines of code and 55+ algorithms. * Project Nostradamus, an automated portfolio management engine, was launched in beta mode in August and is live in the Two-Wheeler business. * Partnerships disbursements scaled up to ₹1,138 crore this quarter. * The acquisition of the Gold Loans business has been integrated, with plans to deploy 200 new branches by March 2026. * October '25 saw record disbursements of ₹8,000 crore, driven by consumer demand and GST 2.0 reforms. * The company aims for a 20-25% risk-calibrated AUM growth and an RoA in the corridor of 2.8% to 3% by Q4FY27. * Lakshya -31 goals will be announced in Q1FY27. * The company is building an AI-based next-generation collection stack to improve collection yields and optimize collection costs. * The transcript of the Investor Digital Day is available on the company's website.
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