L&T Finance Share Price in Focus as Company Achieves Record Annual Profit of ₹3,003 Crore in FY26, up 14% YoY

Written by: Team Angel OneUpdated on: 27 Apr 2026, 1:56 pm IST

L&T Finance reports record annual profit of ₹3,003 crore in FY26, with a 14% YoY increase, driven by strong retail disbursements and AI transformation.

L&T Finance Ltd. (LTF) has announced its highest-ever consolidated annual Profit After Tax (PAT) of ₹3,003 crore for the financial year ending March 31, 2026.

This represents a 14% increase year-on-year, underscoring the company's robust performance and strategic initiatives.

L&T Finance Record Financial Performance

In FY26, LTF achieved a consolidated PAT of ₹807 crore in Q4, marking a 27% rise compared to the previous year.

The company's retail book size expanded by 26% to ₹1,19,508 crore, while retail disbursements reached ₹83,213 crore, a 39% increase year-on-year. The consolidated book stood at ₹1,21,728 crore, reflecting a 25% growth.

Technological Advancements of L&T Finance

LTF has accelerated its technology deployment, transitioning to an AI-enabled lender. The company introduced projects like 'Project Cyclops' for underwriting and 'Project Nostradamus' for portfolio management, enhancing its digital capabilities. These initiatives have improved operational efficiencies and credit outcomes.

Strategic Initiatives and Growth

Under the Lakshya 2026 strategy, LTF focused on building a resilient customer portfolio and expanding its retail franchise.

The company launched two marketing campaigns with brand ambassador Jasprit Bumrah, targeting Two-Wheeler and SME Finance. The retail disbursements were bolstered by GST 2.0 and festive demand.

Asset Quality and Credit Cost

LTF maintained steady asset quality with Gross Stage 3 at 2.88% and Net Stage 3 at 0.96% in Q4FY26.

The credit cost was kept at 2.54% for the year, showcasing effective risk management. The company's Return on Assets (RoA) stood at 2.39% and Return on Equity (RoE) increased to 11.33%.

L&T Finance Share Price Performance

As of April 24, 2026, at 3:30 PM, L&T Finance share price on NSE was closed at ₹290.05 down by 0.71% from the previous closing price.

Conclusion

L&T Finance's record annual profit and strategic initiatives highlight its strong market position and commitment to technological transformation. The company's focus on AI-driven solutions and retail expansion has contributed to its impressive financial performance in FY26.

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Published on: Apr 27, 2026, 8:24 AM IST

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