L&T Finance reported a strong business update for Q2FY26. Retailisation reached 98%. Retail disbursements are estimated at approximately ₹18,850 crores, a 25% Y-o-Y increase. The retail loan book is projected at around ₹1,04,500 crores, reflecting a 17% Y-o-Y growth. These figures demonstrate continued growth in the company’s retail segment.
Retailisation Momentum
L&T Finance reported significant progress in retailisation, achieving 98% in Q2FY26, up from 96% in Q2FY25. This indicates a strong shift towards retail lending.
Disbursement Growth
The company’s retail disbursements for Q2FY26 are estimated at approximately ₹18,850 crores, representing a growth of about 25% compared to the same period last year. Here’s a breakdown:
- Rural Business Finance: ₹6,310 crores (vs. ₹5,435 crores in Q2FY25)
- Farmer Finance: ₹1,650 crores (vs. ₹1,782 crores in Q2FY25)
- Urban Finance: ₹8,140 crores (vs. ₹6,285 crores in Q2FY25)
- SME Finance: ₹1,460 crores (vs. ₹1,244 crores in Q2FY25)
- Gold Finance: ₹980 crores
- Acquired Portfolio: ₹310 crores (vs. ₹346 crores in Q2FY25)
Retail Loan Book Expansion
The retail loan book at the end of Q2FY26 is estimated to be around ₹1,04,500 crores, which is about a 17% increase compared to the previous year.
Source: BSE
