L&T Finance Q1FY26: PAT ₹701 Cr, Up 10% QoQ; Highest-Ever Book at ₹1,02,314 Cr
The strong financial results, international credit ratings, and strategic acquisition of the gold loan business are likely to have a significant positive impact on the company's stock price and investor confidence.
The announcement highlights strong financial performance, strategic acquisitions, and positive credit ratings, indicating a positive outlook for the company.
* L&T Finance Limited (LTF) reported a consolidated PAT of ₹701 Crore for Q1FY26, a 10% increase QoQ and 2% YoY. * The company achieved its highest-ever consolidated book of ₹1,02,314 Crore, delivering a Return on Assets (RoA) of 2.37%, up 15 bps QoQ. * Quarterly disbursements stood at ₹17,522 Crore, reflecting an 18% YoY growth, driven by strong performance across all business lines. * The retail book reached ₹99,816 Crore, growing 18% YoY. * Rural Business Finance vertical showed positive momentum with 10% QoQ disbursement growth. * L&T Finance acquired the Gold Loan business of Paul Merchants Finance Pvt. Ltd., adding 130 branches, 700+ employees, and a book of approximately ₹1,300 Crore. * Personal Loans disbursements through digital partnerships with Amazon Pay, Cred, and PhonePe reached ₹651 Crore for the quarter (₹1,236 Crore live to date). * Project Cyclops, the AI-ML based credit underwriting engine, has been upgraded and implemented across the Two Wheeler Finance business, with plans to extend it to Farm Equipment Finance, SME Finance and Personal Loans. * S&P Global Ratings assigned LTF a “BBB-” long-term and “A-3” short-term issuer credit rating with a Positive outlook. Fitch Ratings assigned LTF long-term foreign and local currency Issuer Default Ratings of “BBB-” with a Stable outlook. * The company's retailisation has increased from 97% to 98% QoQ, against a Lakshya target of 95%. * The company achieved a RoA of 2.37%, an improvement of 15 bps over the previous quarter. * Sudipta Roy, MD & CEO, stated the company expects the pace of disbursement to accelerate, and is focused on risk and technology initiatives. The company has started working on the Lakshya 2031 plans and will share the same at the start of FY27.
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L&T Finance Limited filed this with the NSE as a statutory disclosure, categorised under results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by L&T Finance Limited. Read the original for the full detail.