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L&T Finance Holdings Ltd. is a non-banking financial company, which engages in the provision of financial products and services across retail, corporate, housing, and infrastructure finance sectors. The company is headquartered in Mumbai, Maharashtra and currently employs 27,506 full-time employees. The company went IPO on 2011-08-12. The firm's segments include Retail business, Wholesale business, Defocused business and Others. The Retail business segment comprises of farmer finance, such as farm equipment finance and Agri allied finance; rural business finance, such as micro finance loans and rural business loans; urban finance, such as two-wheeler finance, consumer loans, retail housing loans and loans against property; small and medium-sized enterprises loans, and retail portfolio acquisitions. The Wholesale business segment comprises of real estate finance and infrastructure finance. The Defocused business segment comprises of structured corporate loans, debt capital market and other discontinued products. The Others segment comprises of asset management and other business/investment activities.
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹16,616 Cr on total income of ₹16,619 Cr.
Cost-to-income ratio at 25.4%. Provision coverage at 0.0% of income.
“very confident is that 2% to 2.”
“expect the structural momentum to continue into Q4 FY twenty twenty six.”
“highest ever quarterly core PAT of INR $7.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 10.7%▲ | 2.8% |
| ROCE | 7.6%▲ | 4.2% |
| Net Margin | 17.9%▲ | 11.9% |
| EBITDA Margin | 61.0%▲ | 29.0% |
| Debt To Equity | 3.93x▲ | 0.09x |
| Rev Growth 3yr | 10.4%▼ | 12.2% |
| EPS Growth 3yr | 22.0%▲ | 12.6% |
| Cost To Income | 25.4%▼ | 36.9% |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹18,928 Cr +18.9% | ₹15,924 Cr +17.3% | ₹13,581 Cr +6.3% | ₹12,775 Cr +7.1% | ₹11,930 Cr -12.8% | ₹13,678 Cr -3.5% | ₹14,176 Cr +9.1% | ₹12,990 Cr | |
| ₹3 Cr -80.1% | ₹17 Cr -96.5% | ₹475 Cr -9.9% | ₹527 Cr +33.7% | ₹394 Cr -2.0% | ₹402 Cr +7.9% | ₹373 Cr +19.5% | ₹312 Cr | |
| Total Income | ₹18,932 Cr +18.8% | ₹15,941 Cr +13.4% | ₹14,055 Cr +5.7% | ₹13,302 Cr +7.9% | ₹12,324 Cr -12.5% | ₹14,080 Cr -3.2% | ₹14,548 Cr +9.4% | ₹13,302 Cr |
| ₹14,612 Cr +17.4% | ₹12,450 Cr +12.9% | ₹11,026 Cr -1.3% | ₹11,171 Cr +0.6% | ₹11,101 Cr -13.3% | ₹12,811 Cr +7.9% | ₹11,868 Cr +15.8% | ₹10,250 Cr | |
| Profit Before Tax | ₹4,291 Cr +22.9% | ₹3,491 Cr +15.3% | ₹3,029 Cr ↑ Recovery | (₹557 Cr) ↓ Decline | ₹1,223 Cr -18.2% | ₹1,495 Cr -44.2% | ₹2,680 Cr -12.2% | ₹3,052 Cr |
| Exceptional Items | (₹29 Cr) | ₹0.00 Cr | ₹0.00 Cr +100.0% | (₹2,687 Cr) | ₹0.00 Cr -100.0% | ₹226 Cr | ₹0.00 Cr | ₹0.00 Cr |
| ₹1,093 Cr +28.9% | ₹848 Cr +19.1% | ₹712 Cr +313.0% | ₹172 Cr -53.9% | ₹374 Cr -31.6% | ₹546 Cr -44.2% | ₹980 Cr +19.5% | ₹820 Cr | |
| Net Profit | ₹3,198 Cr +21.0% | ₹2,643 Cr +14.1% | ₹2,317 Cr +50.8% | ₹1,536 Cr +46.4% | ₹1,049 Cr +10.6% | ₹949 Cr -44.2% | ₹1,700 Cr -23.8% | ₹2,232 Cr |
| Profit (Owners) | ₹3,183 Cr +20.4% | ₹2,644 Cr +13.9% | ₹2,320 Cr +42.9% | ₹1,623 Cr +51.7% | ₹1,070 Cr +10.2% | ₹971 Cr -42.9% | ₹1,700 Cr -23.6% | ₹2,226 Cr |
| Minority Interest | ₹15 Cr ↑ Recovery | (₹0.24 Cr) +91.9% | (₹3 Cr) +96.6% | (₹87 Cr) -315.8% | (₹21 Cr) +5.4% | (₹22 Cr) ↓ Decline | ₹0.09 Cr -98.4% | ₹6 Cr |
| Other Comprehensive Income | ₹39 Cr +61.4% | ₹24 Cr +292.6% | ₹6 Cr -86.2% | ₹45 Cr -29.5% | ₹64 Cr +49.4% | ₹43 Cr ↑ Recovery | (₹159 Cr) | (₹2 Cr) |
| EPS | ₹12.71 | ₹10.60 | ₹9.32 | ₹6.55 | ₹4.33 | ₹3.93 | ₹6.90 | ₹9.06 |
| Diluted Shares | ₹251 Cr | ₹249 Cr | ₹249 Cr | ₹248 Cr | ₹247 Cr | ₹247 Cr | ₹247 Cr | ₹246 Cr |
| Fees And Commission Income | ₹1,292 Cr +20.0% | ₹1,077 Cr +62.6% | ₹662 Cr +318.9% | ₹158 Cr -24.8% | ₹210 Cr -61.2% | ₹542 Cr -33.3% | ₹812 Cr -36.4% | ₹1,277 Cr |
| Net Loss On Fair Value Changes | ₹85 Cr | ₹0.00 Cr -100.0% | ₹361 Cr -41.8% | ₹621 Cr -43.0% | ₹1,089 Cr +159.1% | ₹420 Cr +291.0% | ₹108 Cr -71.9% | ₹383 Cr |
| Net Loss On Amortised Derecognition | ₹606 Cr +120.2% | ₹275 Cr -39.9% | ₹458 Cr +27.3% | ₹360 Cr +26.2% | ₹285 Cr +20.1% | ₹237 Cr -13.5% | ₹274 Cr -28.6% | ₹384 Cr |
| Impairment On Financial Instruments | ₹2,224 Cr +1.4% | ₹2,193 Cr +65.9% | ₹1,322 Cr -15.2% | ₹1,560 Cr -8.7% | ₹1,709 Cr -42.6% | ₹2,978 Cr +49.3% | ₹1,994 Cr +184.5% | ₹701 Cr |
L&T Finance Limited has informed the Exchange regarding Allotment of 385620 Shares.
L&T Finance Limited has informed the Exchange about Transcript
L&T Finance Limited has informed the Exchange about General Updates
L&T Finance Limited has informed the Exchange about ESG rating- Revision
L&T Finance Limited has informed the Exchange about Link of Recording
L&T Finance Limited has informed the Exchange about Investor Presentation
L&T Finance Limited has informed the Exchange regarding a press release dated July 10, 2026, titled "Press release of financial performance for the quarter ended June 30, 2026".
L&T Finance Limited has informed the Exchange about General Updates
L&T Finance Limited has informed the Exchange regarding Appointment of Mr Prashant Kumar as Independent Director of the company w.e.f. July 10, 2026.
L&T Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
L&T Finance Limited has informed the Exchange regarding allotment of 100000 Non Convertible Debentures on July 07, 2026
L&T Finance Limited has informed the Exchange about Disclosure under Regulation 31A of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Request for reclassification recei...
L&T Finance Limited has informed the Exchange about Credit Rating
Larsen & Toubro Ltd has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulation...
L&T Finance Limited has informed the Exchange regarding Allotment of 55800 Equity Shares.