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L&T Finance Ltd.

FinanceFinance - NBFC

www.ltfinance.com BSE: 533519NSE: LTF

₹295.95BSE0.15%

16 Sep, 4:01 PM

₹295.95

₹74.18K Cr

23.31

2.57

11.18%

₹300.95

₹293.70

₹338.50

₹232.20

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Price Performance

Peer Comparison

Name
BAJFINANCE BAJFINANCE	1,008.50	30.93	6,27,887.49	0.59	6,080.60	27.60%	23,165.45	19.58%	10.87
SHRIRAM TRAN SHRIRAMFIN	981.05	20.40	2,30,845.48	1.10	3,452.77	59.90%	13,400.43	16.16%	11.49
CHOLAFIN CHOLAFIN	1,767.05	26.25	1,50,960.95	0.11	1,656.22	45.56%	8,856.29	21.87%	9.70
JIOFIN JIOFIN	225.00	71.90	1,48,570.69	0.27	830.25	155.73%	2,004.47	227.28%	2.11
TATACAP TATACAP	343.50	26.96	1,45,811.25	0.17	1,628.18	56.42%	8,821.93	15.10%	8.66
BAJ HOLD INV BAJAJHLDNG	10,925.00	13.73	1,21,588.16	1.78	2,708.08	-22.71%	394.33	21.46%	14.81
MUTHOOT FIN MUTHOOTFIN	2,766.50	9.77	1,11,066.25	1.08	2,824.84	43.08%	8,671.60	34.44%	15.87
L&T Finance Ltd. LTF	295.95	23.31	74,175.50	0.93	915.99	30.70%	5,212.92	22.38%	8.54

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	3,784.40	4,019.34	4,097.58	4,022.92	4,259.57	4,335.75	4,578.27	4,771.03	5,212.92
Expenses	1,482.49	1,574.88	1,675.80	1,580.89	1,639.95	1,661.69	1,800.09	1,889.80	1,974.28
	2,301.91	2,444.46	2,421.78	2,442.03	2,619.62	2,674.06	2,778.18	2,881.23	3,238.64
	60.83%	60.82%	59.10%	60.70%	61.50%	61.67%	60.68%	60.39%	62.13%
	0.21	4.68	7.55	4.30	0.03	0.04	-25.29	0.07	30.39
Interest	1,351.41	1,476.28	1,569.24	1,599.83	1,635.74	1,634.29	1,703.02	1,747.03	1,970.07
	28.44	33.29	36.19	40.98	40.69	50.95	57.70	60.35	62.68
	922.27	939.57	823.90	805.52	943.22	988.86	992.17	1,073.92	1,236.28
	25.70%	25.85%	24.06%	21.06%	25.70%	25.68%	25.62%	24.65%	25.91%
	685.51	695.58	626.40	636.17	701.10	734.84	738.61	806.63	902.47
	2.75	2.79	2.51	2.55	2.81	2.94	2.95	3.22	3.60

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	11,929.70	12,774.95	13,576.51	15,924.24	17,913.67
Operating Income (Net)	11,929.70	12,774.95	13,576.51	15,924.24	17,913.67
EXPENDITURE :
Employee Cost	1,094.84	1,405.93	1,806.37	2,216.51	2,455.00
Operating & Establishment Expenses	539.29	517.76	693.05	834.29	879.50
Administrations & Other Expenses	488.89	746.19	880.35	617.13	640.24
Provisions and Contingencies	7,048.59	4,580.55	3,823.68	4,726.78	5,056.22
	9,171.61	7,250.43	7,203.45	8,394.71	9,030.96
Operating Profit (Excl OI)	2,758.09	5,524.52	6,373.06	7,529.53	8,882.71
	4,340.83	2,539.58	2,157.40	2,252.79	2,268.39
	7,098.92	8,064.10	8,530.46	9,782.32	11,151.10
Interest	5,773.43	5,822.21	5,386.66	6,152.16	6,914.73
	102.64	111.24	114.77	138.90	209.69
Profit Before Taxation & Exceptional Items	1,222.85	2,130.65	3,029.03	3,491.26	4,026.68
Exceptional Income / Expenses		-2,687.17			-28.51
	1,222.85	-556.52	3,029.03	3,491.26	3,998.17
Provision for Tax	373.62	172.37	711.90	847.84	1,015.30
	849.23	-728.89	2,317.13	2,643.42	2,982.87
Extra items				0.00	0.00
Minority Interest	20.87	86.77	2.97	0.24	-1.69
Consolidated Net Profit	1,070.11	1,623.25	2,320.10	2,643.66	2,981.18
Profit Balance B/F	4,642.40	5,423.10	6,299.30	7,649.06	9,134.43
Appropriations	5,712.51	7,046.35	8,619.40	10,292.72	12,115.61
Equity Dividend %	5.00%	20.00%	25.00%	27.50%	27.50%
	4.33	6.55	9.32	10.60	11.90
Adjusted EPS	4.33	6.55	9.32	10.60	11.90

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	2,474.04	2,479.67	2,488.94	2,494.87	2,504.39
Share Warrants & Outstandings	182.70	141.03	109.69	109.64	68.76
Total Reserves	17,290.96	18,907.67	20,839.81	22,959.55	25,410.38
Reserve excluding Revaluation Reserve	17,290.96	18,907.67	20,839.81	22,959.55	25,410.38
	19,947.70	21,528.37	23,438.44	25,564.06	27,983.53
Minority Interest	179.83	89.44	89.55	67.06	50.50
Secured Loans	49,414.96	38,191.21	31,292.75	38,972.81	52,752.03
Unsecured Loans	817.84	2,424.35	1,736.00	620.72	436.08
Deferred Tax Assets / Liabilities	-1,422.77	-1,837.75	-1,833.28	-1,757.55	-1,800.73
Other Long Term Liabilities	43.04	67.24	70.71	124.80	389.91
Long Term Provisions	1.89	0.49	24.61	38.52	90.14
Total Non-Current Liabilities	48,854.96	38,845.54	31,290.79	37,999.30	51,867.43
Trade Payables	432.61	806.39	1,221.85	1,371.70	1,770.01
Other Current Liabilities	727.39	595.01	1,118.44	701.32	1,610.11
Short Term Borrowings	34,968.43	42,427.89	43,512.12	52,653.37	56,699.58
Short Term Provisions	261.71	208.41	189.37	269.42	401.84
Total Current Liabilities	36,390.14	44,037.70	46,041.78	54,995.81	60,481.54
Total Liabilities	1,05,457.61	1,04,501.05	1,00,860.56	1,18,626.23	1,40,383.00
Loans (Non - Current Assets)	82,469.44	75,154.55	81,359.39	93,773.06	1,17,821.03
Gross Block	474.99	934.86	1,013.89	1,677.55	2,403.98
Less: Accumulated Depreciation	290.36	401.44	494.54	1,036.83	1,096.35
Net Block	184.63	533.42	519.35	640.72	1,307.63
Capital Work in Progress				0.24
Non Current Investments	6,578.10	6,824.91	7,481.01	6,218.02	5,142.02
Long Term Investment	6,578.10	6,824.91	7,481.01	6,218.02	5,142.02
Long Term Loans & Advances	695.99	677.28	291.67	313.66	394.93
Other Non Current Assets	59.93	695.68	658.89	841.36	1,502.26
Total Non-Current Assets	90,334.08	83,909.75	90,345.93	1,01,832.06	1,26,229.74
Currents Investments	5,338.84	7,541.29	4,903.88	5,657.95	5,421.79
Sundry Debtors	15.92	5.88	247.28	116.95	102.47
Cash and Bank	7,970.42	12,748.87	4,469.39	10,465.36	7,704.07
Other Current Assets	966.65	295.26	894.08	553.91	924.93
Short Term Loans and Advances	4.29
Total Current Assets	14,296.12	20,591.30	10,514.63	16,794.17	14,153.26
Net Current Assets (Including Current Investments)	-22,094.02	-23,446.40	-35,527.15	-38,201.64	-46,328.28
Total Assets	1,05,457.61	1,04,501.05	1,00,860.56	1,18,626.23	1,40,383.00
Contingent Liabilities	1,073.23	807.43	535.60	327.15	307.66
Total Debt	85,201.23	83,043.45	76,540.87	92,246.90	1,09,887.69
	79.89	86.25	93.73	102.03	111.46
Adjusted Book Value	79.89	86.25	93.73	102.03	111.46

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	1,474.81	2,182.82	3,029.03	3,491.26	3,998.17
Adjustment	3,204.98	2,695.64	2,283.27	2,144.16	2,431.53
Changes In working Capital	-42.34	-263.98	2,937.34	-6,920.33	5,559.00
Cash Flow after changes in Working Capital	4,637.45	4,614.48	8,249.64	-1,284.91	11,988.70
Cash Flow from Operating Activities	6,078.06	6,718.25	685.64	-16,587.47	-14,189.24
Cash Flow from Investing Activities	-5,083.54	-334.76	848.62	471.83	366.90
Cash Flow from Financing Activitie	-3,023.01	-1,663.81	-7,049.59	15,418.51	15,415.06
Net Cash Inflow / Outflow	-2,028.49	4,719.68	-5,515.33	-697.13	1,592.72
Opening Cash & Cash Equivalents	6,947.79	4,915.98	9,108.68	3,593.35	2,896.22
Cash & Cash Equivalent on Amalgamation / Take over / Merger	-3.32	-526.98
Closing Cash & Cash Equivalent	4,915.98	9,108.68	3,593.35	2,896.22	4,488.94

Ratios

Valuation

23.31

2.57

15.20

3.93

12.70

115.04

Profitability

11.18

8.54

2.30

49.59

16.65

Leverage & Liquidity

3.94

0.23

1.58

Returns

0.93

0.14

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	66.37	66.29	66.25	66.24	66.16	66.10	66.03	65.99	65.96
	18.97	19.06	17.47	18.76	20.30	20.73	21.99	22.53	22.61
	14.65	14.65	16.27	15.00	13.54	13.17	11.98	11.48	11.44
	33.63	33.71	33.75	33.76	33.84	33.90	33.97	34.01	34.04
No. of Shareholders	7,39,180	7,87,291	8,76,841	8,46,682	7,92,374	7,77,432	7,75,728	7,48,865	7,32,902

Corporate Actions

Showing: All

Date	Type	Details	Ex-Date	Record Date
2026-06-30	Board Meeting	Quarterly Results
2026-05-04	AGM
2026-04-24	Ex Dividend	Rs.2.7500 per share(27.5%)Final Dividend	2026-05-22	2026-05-22

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - NBFC

L&T Finance Ltd. operates in the Finance sector under the Finance - NBFC industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

10 members across the board and senior leadership

Apurva Rathod

Company Secretary & Compliance Officer

—

SN Subrahmanyan

Chairman

—

Sudipta Roy

Managing Director & Chief Executive Officer

₹5.08 Cr

Mar '26

Rajani R Gupte

Non Executive Independent Director

₹37.25 L

Mar '26

R Seetharaman

Non Executive Independent Director

₹36.95 L

Mar '26

Nishi Vasudeva

Non Executive Independent Director

₹35.70 L

Mar '26

Dhananjaya Tambe

Non Executive Independent Director

₹26.90 L

Mar '26

R Shankar Raman

Non Executive Director

—

Raju Dodti

Whole Time Director & Chief Operating Officer

—

Sachin Joshi

Whole Time Director & Chief Financial Officer

—

LTF Latest News

News

10 of 10 articles

COMPANY3 Sept 2026 · 10:30

L&T Finance raises Rs 500 crore through NCDs

The NCDs carry a coupon rate of 7.8384% per annum and will mature on September 28, 2029

COMPANY13 Aug 2026 · 17:20

L&T Finance raises Rs 200 crore through NCDs

The NCDs have a tenor of 3653 days and carry a coupon rate of 8.20% per annum

EQUITY11 Aug 2026 · 17:08

L&T Finance informs about appointment of directors

EQUITY11 Aug 2026 · 14:10

L&T Finance informs about disclosure

EQUITY13 Jul 2026 · 15:20

L&T Finance gains on reporting 29% growth in Q1 consolidated net profit

Consolidated total income of the company increased by 23.09% to Rs 5,243.31 crore in Q1FY27

COMPANY13 Jul 2026 · 14:59

L&T Finance reports 29% growth in Q1 consolidated net profit

Consolidated total income of the company increased by 23.09% to Rs 5,243.31 crore in Q1FY27

EQUITY2 Jul 2026 · 10:50

L&T Finance gains on raising Rs 380 crore through NCDs

The NCDs have a tenor of 3653 days and carry a coupon rate of 8.20% per annum

COMPANY2 Jul 2026 · 10:44

L&T Finance raises Rs 380 crore through NCDs

The NCDs have a tenor of 3653 days and carry a coupon rate of 8.20% per annum

EQUITY16 Jun 2026 · 10:35

L&T Finance inches up after raising Rs 1500 crore through NCDs

The NCDs have a tenor of 1110 days and carry a coupon rate of 8.12% per annum

COMPANY16 Jun 2026 · 10:27

L&T Finance raises Rs 1500 crore through NCDs

The NCDs have a tenor of 1110 days and carry a coupon rate of 8.12% per annum

LTF

₹295.95

-0.15%