L&T Finance Limited (LTF) has announced its highest-ever quarterly performance with a consolidated net profit of Rs 735 crore for the quarter ended September 30, 2025.
The company also crossed a major milestone as its retail loan book surpassed the Rs 1 lakh crore mark, driven by robust growth in its digital and retail financing segments.
The achievement highlights L&T Finance’s successful transformation into a “retail-focused, digitally enabled” NBFC. Retail loans now account for nearly 90 per cent of the company’s total loan book, reflecting the strong traction across key segments such as rural finance, consumer loans, home loans, and two-wheeler financing.
Speaking on the results, Dinanath Dubhashi, Managing Director & CEO, L&T Finance, said, “This milestone underscores our commitment to building a sustainable, customer-centric retail franchise powered by data and technology. We continue to strengthen our digital platforms and focus on quality growth, ensuring superior risk management and profitability.”
The company reported that its retail disbursements continued to grow at a healthy pace, supported by strong demand during the festive season and improving rural consumption. Its asset quality also showed improvement, with gross and net NPA levels remaining under control due to prudent underwriting and enhanced recovery mechanisms.
L&T Finance has been leveraging its in-house digital platforms, such as PLANET App and digital customer onboarding tools, to expand its reach and improve efficiency. The firm aims to deepen financial inclusion across semi-urban and rural markets while maintaining operational excellence.
With its record-breaking quarter and a well-diversified retail loan portfolio, L&T Finance has further strengthened its position among India’s top NBFCs, setting a strong foundation for sustainable growth in the coming years.
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