L&T Finance Share Price, Fundamentals and Financials
Track the live share price, 52 week range, chart, fundamentals, retail lending segments, financial highlights, peer comparison and investor FAQs.
₹305.85
+₹6.80 · +2.27%
L&T Finance price chart
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Quick Fundamentals
About L&T Finance Ltd
L&T Finance Limited is a diversified retail NBFC associated with the Larsen & Toubro group. It serves rural and urban customers through rural business finance, farmer finance, two-wheeler finance, personal loans, housing finance, loans against property and gold loans.
For FY 2025-26, the company reported a retail book of ₹1,19,508 crore, 98% retailisation and a customer database of more than 2.8 crore. Verify these and all later figures from the latest investor presentation and exchange filing.
Business Model and Segments
The company raises funds and lends to retail customers. Earnings depend on lending yields, borrowing costs, fee income, operating expenses and credit losses. Growth should be assessed together with collections, asset quality, liquidity and capital.
Key segments include rural business finance, farmer finance, urban finance, housing finance, loans against property and gold loans.
Profit and Loss / Financial Highlights
| Particulars | FY 2023-24 | FY 2024-25 | FY 2025-26 |
|---|---|---|---|
| Consolidated profit after tax | ₹2,320 Cr | ₹2,644 Cr | ₹2,981 Cr |
| Retail loan book | Verify annual report | ₹95,180 Cr | ₹1,19,508 Cr |
| Retailisation | Verify annual report | 97% | 98% |
| Q4 profit after tax | Verify filing | ₹636 Cr | ₹807 Cr |
Use the latest audited consolidated statements and notes to accounts for complete figures.
Balance Sheet Highlights
| Particulars | FY 2023-24 | FY 2024-25 | FY 2025-26 |
|---|---|---|---|
| Retail loan book | Verify annual report | ₹95,180 Cr | ₹1,19,508 Cr |
| Customer base | Verify annual report | Verify annual report | 2.8 Cr+ |
| Funding and borrowings | See audited statements | See audited statements | See audited statements |
| Capital adequacy | Verify disclosure | Verify disclosure | Verify disclosure |
Cash Flow and Funding Highlights
| Monitorable | Why it matters | Verification source |
|---|---|---|
| Operating cash flow | Affected by loan disbursements and repayments | Audited cash-flow statement |
| Borrowing inflows and repayments | Shows funding and refinancing | Annual report |
| Liquidity position | Supports obligations and growth | ALM disclosures |
| Credit ratings | Influence borrowing access and cost | Rating disclosures |
Key Ratios
| Metric | FY 2023-24 | FY 2024-25 | FY 2025-26 |
|---|---|---|---|
| Return on assets | Track quarterly | Track quarterly | 2.40% in Q4 FY26 |
| Return on equity | Verify annual report | 10.13% | Verify FY26 report |
| Retail book growth | Verify report | 19% YoY | 26% YoY |
| Stage 3 assets | Verify filing | Verify filing | Verify filing |
| Credit cost | Verify filing | Verify filing | Verify filing |
Peer Comparison
| Company | NSE Symbol | Business focus |
|---|---|---|
| L&T Finance Ltd | LTF | Diversified retail NBFC |
| Bajaj Finance Ltd | BAJFINANCE | Consumer and SME lending |
| Cholamandalam Investment and Finance | CHOLAFIN | Vehicle and retail finance |
| Shriram Finance Ltd | SHRIRAMFIN | Commercial vehicle and retail finance |
| Muthoot Finance Ltd | MUTHOOTFIN | Gold-backed lending |
Dividends, Bonuses and Splits
| Action | Current page treatment | Investor action |
|---|---|---|
| Dividend | History may be available | Verify amount, record date and ex-date |
| Bonus issue | No current claim made | Verify exchange corporate actions |
| Stock split | No current claim made | Verify face value and split history |
| Name change | Formerly L&T Finance Holdings Limited | Verify the 2024 filing |
Verify all latest dividend, bonus, split, merger and shareholding details from official filings.
L&T Finance Customer and Investor FAQs
What is L&T Finance?
L&T Finance is a diversified retail non-banking financial company in India. It offers products such as rural business finance, farmer finance, two-wheeler finance, personal loans, home loans, loans against property and gold loans.
Is L&T Finance a bank?
No. It is an NBFC regulated under the framework applicable to non-banking financial companies and does not operate exactly like a commercial bank.
How does L&T Finance make money?
It mainly earns interest by borrowing funds and lending to customers at a higher yield. Profit depends on loan growth, funding cost, margins, fees, operating expenses, collections and credit losses.
What are its main business segments?
Important businesses include rural business finance, farmer finance, two-wheeler and personal loans, housing finance, loans against property and gold loans.
How can customers apply for a loan?
Applications may be made through official digital channels, branches, authorised representatives or partner networks, depending on the product. KYC and credit assessment are normally required.
What should borrowers check before taking a loan?
Check the annualised rate, processing fee, insurance or add-on costs, repayment schedule, late charges, foreclosure terms, security requirements and total amount payable.
What are the NSE and BSE codes?
The NSE symbol is LTF and the BSE code is 533519. Confirm the company name and symbol on the exchange order screen.
Does L&T Finance pay dividends?
It has paid dividends, but future payouts depend on profits, capital needs and approvals. Verify the latest amount, record date and ex-date from official exchange filings.
What are the main risks for investors?
Risks include borrower defaults, weak collections, higher credit costs, rising funding costs, liquidity pressure, regulation, rapid expansion, technology events and economic slowdown.
What indicators should investors monitor?
Track retail loan-book growth, disbursements, net interest margin, cost of funds, stage 3 assets, credit cost, collection efficiency, capital adequacy, liquidity, ROA and ROE.
Is L&T Finance the same as Larsen & Toubro?
No. L&T Finance is a separately listed financial-services company associated with the Larsen & Toubro group.
Is this page a buy or sell recommendation?
No. It is educational. Verify all current financial, shareholding and corporate-action details from NSE, BSE and company filings.