Key Takeaways Expanding digital initiatives, partnerships, and AI-driven credit processes are driving down costs, growing new customer segments, and enhancing profitability. Strengthening rural demand, successful gold loan integration, and improved global funding access are supporting diversified, stable loan growth and earnings.
Key Takeaways Rapid improvements in credit costs, digital partnerships, and cross-selling in new geographies are set to drive superior margins, revenues, and scalable loan growth. Resolution of legacy assets has the potential to generate significant unmodeled cash flows, enabling higher provisions or shareholder payouts, further enhancing profitability.
L&T Finance Limited, a non-banking financial company, provides various financial products and services in India. It offers housing loans; personal loans for medical emergency, home renovation, wedding, vacation, education, and debt consolidation; two-wheeler loans; business loans, such as SME, doctor, chartered accountant, and professional loans, as well as supply chain financing solutions; rural loans comprising vikaas loans, vishwas loans, pragati loans, and micro loans against property; farmer loans, including new tractor loans, agri-implement loans, kisan suvidha top up, kisan suvidha top up plus, refinance loan, and warehouse receipt finance services; and loans against property. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. L&T Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.
