L&T Finance Ltd. Reports Significant Growth in Retail Disbursements and Loan Book
L&T Finance Ltd. announced estimated retail disbursements of approximately Rs. 24,080 crores for the quarter ended March 31, 2026, reflecting a year-over-year increase of roughly 62%. For the full financial year ending March 31, 2026, the company estimates retail disbursements at approximately Rs. 83,190 crores, representing a 39% annual growth.The company's retail loan book as of March 31, 2026, is estimated at approximately Rs. 1,19,550 crores, marking a year-over-year increase of 26%.
Breakdown of Retail Disbursements (Rs. in crores):
| Retail Disbursements | Q4FY2024-25 (Actual) | Q4FY2025-26 (Estimated) |
|---|---|---|
| Rural Business Finance | 5,114 | 7,200 |
| Farmer Finance | 1,755 | 2,035 |
| Urban Finance | 6,104 | 9,840 |
| SMEFinance | 1,528 | 1,835 |
| Gold Finance | - | 2,775 |
| Acquired Portfolio | 398 | 395 |
| Retail Finance | 14,899 | 24,080 |
Full Financial Year Retail Disbursements (Rs. in crores):
| Retail Disbursements | FY2024-25 (Actual) | FY2025-26 (Estimated) |
|---|---|---|
| Rural Business Finance | 20,921 | 25,880 |
| Farmer Finance | 7,935 | 8,670 |
| Urban Finance | 24,963 | 34,510 |
| SMEFinance | 4,999 | 6,120 |
| Gold Finance | - | 6,700 |
| Acquired Portfolio | 1,222 | 1,310 |
| Retail Finance | 60,040 | 83,190 |
The company reported a retailisation percentage of 98% for the quarter ended March 31, 2026. The information provided is provisional and subject to audit.
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