L&T Finance held an Investor Digital Day, spotlighting advancements in AI and tech integration across core businesses. Key achievements include scaling AI-powered risk management, expanding digital partnerships, and introducing gold loans. The company is focused on sustainable growth with strategic technology implementations and aims for RoA in the corridor of 2.8 – 3.0% by Q4FY27. The company aims to become India’s pre-eminent risk first, technology first, multi-product retail financier of choice.
Core Business Performance
L&T Finance has accelerated its core businesses and integrated new growth engines, showcasing strong performance metrics:
- Retail Finance: Grew by 39%.
- Rural Business Finance: Increased by 42%.
- Farmer Finance: Up by 21%.
- Gold Loan Finance: Introduced as a new business.
- SME Finance: Saw a growth of 17%.
The company achieved its highest-ever monthly retail disbursement in October 2025.
AI and Risk Management
L&T Finance has scaled its proprietary AI-powered risk administration stack, including Project Cyclops and Project Nostradamus. Key components and metrics include:
- Project Cyclops: Over 1 Mn+ lines of code, 55+ algorithms, and 75+ engineers & data scientists.
- Project Nostradamus: Utilizes 200+ banking variables and 11+ dashboards.
These AI tools are aimed at improving risk assessment and streamlining operations.
Digital Partnership Expansion
The company has scaled up digital partnership disbursements, leveraging platforms like PhonePe, CRED, and Amazon Pay to achieve meaningful volumes. A long runway of untapped growth potential available through our large partnerships.
Gold Loan Introduction
L&T Finance has introduced gold loans as a high-yield, low-risk product, with the first new Sampoorna Gold Loan branch launched in Ujjain on October 30, 2025. This move is part of a strategy to expand into secured lending, with a market growing at a CAGR of 20%+.
Culture and Organizational Change
The company is future-proofing its organization through conscious culture changes, emphasizing credit culture, growth orientation, tech mindset, collaboration, and a caring organization. The company is focusing on AI & tech to leapfrog market share gain resistance.
Strategic Objectives
L&T Finance has outlined focused objectives for the next 12 to 18 months, including:
- Announcement of Lakshya 31 goals in Q1FY27.
- Driving 20 – 25% risk-calibrated AUM growth.
- Achieving an RoA in the corridor of 2.8 – 3.0% by Q4FY27.
- Driving credit cost down towards a 2% threshold.
Source: BSE
