L&T Finance Reports Sustained Retail Growth in FY25 with ₹600 Billion Disbursements and ₹951 Billion Retail Loan Book

Unknown Apr 02, 2026 450 Views

L&T Finance Ltd, one of India's leading non-banking financial companies (NBFC), has reported strong growth in its retail lending portfolio for FY25, led by its retailization focus and customer-centric approach. The company posted retail disbursements of ₹600.20 billion for FY, with Q4FY25...

Key Highlights:

FY25 Retail Performance:

L&T Finance's overall retail disbursements for FY25 were a whopping ₹600.20 billion, evidence of the success of its retail-centric turnaround strategy.

The retail loan book was at ₹951 billion by Q4FY25, further establishing the company as a market leader in the retail lending sector.

Q4FY25 Disbursements:

During Q4FY25, the company made retail loan disbursements of ₹148.70 billion, indicating robust demand across major segments like two-wheeler loans, housing finance, and microloans.

Quarter performance reflects L&T Finance's competency in serving customer needs with rich diversity while possessing high asset quality.

Retailization Strategy:

L&T Finance achieved the shift in its portfolio in favor of high-margin, high-growth segments, and as a result, retail loans became a substantial percentage of its total loan book.

This is an alignment of its long-term corporate strategy to address high-growth, high-margin segments and withdraw from wholesale lending exposure.

Leadership Insights:

A spokesperson at L&T Finance said:

"Our strong retail performance in FY25 demonstrates our focus on financial inclusion and value delivery to customers. We continue to drive growth through innovation and operational excellence."

Outlook:

As its retailization strategy takes firm hold, L&T Finance is poised to witness continued growth in FY26, with the boost from growing credit demand.

Conclusion:

L&T Finance's resounding FY25 results highlight the company's dominance in India's NBFC market and its resilience to shifting market dynamics.

Sources: Economic Times, Business Standard; April 3, 2025

Stay Ahead – Explore Now! Defrail Technologies Wins ₹1.48 Crore Railway Component Contract