L&T Finance Q4 FY26 PAT at ₹807 Cr, Up 27% YoY; FY26 PAT ₹3,003 Cr, Up 14% YoY
L&T Finance reported Q4 FY26 PAT of ₹807 Cr, up 27% YoY, driven by record retail disbursements of ₹24,107 Cr. FY26 PAT reached ₹3,003 Cr, up 14% YoY. The company outlined its Lakshya 2031 plan targeting over 20% CAGR book growth and RoA of 3.0-3.2%. A new payments platform is planned for Q2 FY27.
The announcement details significant financial performance improvements, record-breaking metrics, and ambitious future strategic plans, including a new business vertical. This information is material for investors and stakeholders.
The company reported strong year-on-year growth in both quarterly and annual profits, along with record disbursements and a positive outlook for its strategic plan. The introduction of a new payments platform also indicates forward-looking initiatives.
L&T Finance Limited announced its financial results for the fourth quarter and full year ended March 31, 2026.
For the fourth quarter of FY26, the company reported a profit after tax (PAT) of ₹807 crore, marking a significant year-on-year increase of 27%. This growth was driven by the highest-ever quarterly retail disbursements, which reached ₹24,107 crore, a 62% increase year-on-year. The retail book grew by 26% year-on-year to ₹1,19,508 crore, while the overall book size stood at ₹1,21,728 crore, with a Return on Assets (RoA) of 2.40%, an 18 basis points improvement year-on-year.
For the full financial year FY26, L&T Finance achieved its highest-ever annual profit after tax of ₹3,003 crore, up 14% year-on-year. This excludes a one-time impact of ₹21 crore post-tax in Q3 FY26 related to the Labor Code. Annual retail disbursements reached a record ₹83,213 crore, a 39% increase year-on-year. The consolidated RoA for the year was 2.37%, and the Return on Equity (RoE) was 11.25%.
The company also welcomed Mr. Sachinn Joshi and Mr. Raju Dodti as Whole-time Directors designate onto the Board, subject to necessary approvals. The management highlighted the company's strategic plan, Lakshya 2031, which aims to establish L&T Finance as India's premier AI-enabled, risk-first, tech-first, multi-product retail financier. Key goals for Lakshya 2031 include a book growth CAGR of over 20%, credit costs of 2% or less, RoA between 3.0% and 3.2%, and RoE between 16% and 18%.
L&T Finance is also setting up a payments platform, expected to be operational by Q2 FY27, to leverage the digital payments landscape and build a personalized framework for its customers. This platform will serve as a customer acquisition tool, diversify fee revenues, and capture transaction data for AI-driven insights.
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