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L&T Finance Reports Surge in Retail Growth: FY26 Disbursements Hit ₹83,190 Crore

Posted On : 2026-04-04 19:52:43( TIMEZONE : IST )

L&T Finance Limited (NSE: LTF; BSE: 533519) has released its provisional business update for the quarter and financial year ended March 31, 2026. The company continues its aggressive "Retailisation" strategy, with retail assets now accounting for an estimated 98% of its total portfolio.

Retail Disbursements: A Year of Exponential Growth

The company witnessed a massive jump in its lending activities, particularly in the final quarter:

Q4FY26 Performance: Retail disbursements for the quarter are estimated at ₹24,080 crore, representing a staggering 62% Year-on-Year (YoY) growth compared to Q4FY25.

Full Year (FY26): For the entire financial year, total retail disbursements reached ₹83,190 crore, a 39% increase over the previous year's actuals.

Segment-wise Breakdown (Q4FY26 Highlights):

Urban Finance: Led the growth with disbursements of ₹9,840 crore.

Rural Business Finance: Contributed a solid ₹7,200 crore.

Gold Finance: A significant new pillar, contributing ₹2,775 crore in the final quarter alone (totaling ₹6,700 crore for the full year).

SME Finance: Grew to ₹1,835 crore for the quarter.

Loan Book & Strategic Shift

As of March 31, 2026, the Retail Loan Book is estimated at ₹1,19,550 crore, marking a 26% YoY expansion. The company's focus on retail lending has reached a near-total transition, with its Retailisation ratio improving from 97% last year to 98% currently.

These figures are provisional and remain subject to statutory audit.

Shares of L&T Finance Limited was last trading in BSE at Rs. 240.45 as compared to the previous close of Rs. 244.50. The total number of shares traded during the day was 122926 in over 2908 trades.

The stock hit an intraday high of Rs. 242.00 and intraday low of 234.90. The net turnover during the day was Rs. 29233521.00.