L&T Finance Ltd. Reports a Consolidated Profit After Tax (PAT) of 701 crore rupees for the first quarter ended June 30, 2025 (Q1FY26), showing a 10% increase compared to the previous quarter and a 2% growth year over year.
For the quarter ended June 30, 2025, L&T Finance Ltd reported a robust performance, with several key achievements.
Financial Highlights
- Net Profit: ₹701.10 crore, reflecting a quarter-on-quarter (QoQ) increase of 10.21% and a year-on-year (YoY) growth of 2.27%.
- Revenue: ₹4,259.57 crore, up 5.88% QoQ and 12.56% YoY, indicating solid top-line growth.
- Operating Profit: ₹1,635.77 crore, a 1.97% QoQ increase and 21.02% YoY growth, highlighting improved operational efficiency.
- Profit Before Tax: ₹943.22 crore, up 17.09% QoQ and 2.27% YoY, reflecting enhanced profitability.
- PBDT (Profit Before Depreciation and Tax): ₹283.07 crore, which surged 34.37% QoQ and 6.63% YoY.
These figures illustrate that L&T Finance Ltd had a robust quarter, with steady improvements across profit and revenue metrics, indicating growth and operational resilience.
Business Segment Highlights
- Personal Loans: Q1FY26 disbursements were Rs. 1,942 Crore, up 65% YoY, and the book size was Rs. 9,383 Crore, up 41% YoY.
- SME Finance: Q1FY26 disbursements were Rs. 1,273 Crore, up 30% YoY, and the book size was Rs. 6,964 Crore, up 56% YoY.
- Housing Loans and Loans Against Property: Q1FY26 disbursements were Rs. 2,780 Crore, up 24% YoY, and the book size was Rs. 26,464 Crore, up 33% YoY.
- Two-wheeler Finance: Q1FY26 disbursements were Rs. 2,128 Crore, down 19% YoY, and the book size was Rs. 12,331 Crore, up 3% YoY.
Retailisation and Customer Base
Retailisation stood at 98% for the quarter ended June 30, 2025, exceeding the Lakshya 2026 target. L&T Finance Ltd also has over 2.6 Crore customer database.
Recent Developments
LTF achieved a milestone of the highest-ever consolidated book of Rs. 1,02,314 Crore for the same quarter. The company also launched a Business Loan campaign featuring Indian cricketer Jasprit Bumrah.
In comparison to the broader Larsen & Toubro group, L&T Finance Ltd's performance was distinct. The group reported a consolidated net profit of ₹3,617 crore and revenues of ₹63,679 crore for the same quarter, with international orders making up 52% of total inflows.
In conclusion, L&T Finance Ltd showed moderate profit and revenue growth in Q1 FY26 with key profitability metrics improving quarter-on-quarter and year-on-year, reflecting healthy financial progress for the quarter ended June 30, 2025. The company's robust performance across various business segments and its strong retail focus bode well for its future growth prospects.
- L&T Finance Ltd's focus on sustainability is evident in its financial growth, as indicated by the Q1FY26 achievements.
- The company's investments in technology have played a significant role in enhancing operational efficiency, reflected in the increased operating profit.
- The awards and recognition in governance further underscore the commitment towards maintaining high standards and transparency in business operations.
- As finance continues to be a crucial aspect of the business, the robust financial performance for the quarter ended June 30, 2025, signifies a promising future for L&T Finance Ltd's stakeholders.
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