L&T Finance reports estimated retail disbursements of ₹22,690 crores for Q3FY2025-26, marking a 49% year-on-year increase. The retail loan book is projected at ₹1,11,900 crores, a 21% rise Y-o-Y. Retailisation stands at 98%. This performance highlights strong growth in rural business, urban finance, and SME sectors.
Q3FY26 Retail Business Update
L&T Finance has released its business update for the quarter ended December 31, 2025 (Q3FY26), showcasing substantial growth in its retail segment.
Retail Disbursements
The company’s retail disbursements for Q3FY2025-26 are estimated at approximately ₹22,690 crores, reflecting a significant growth of around 49% on a year-on-year basis.
Breakdown of Retail Disbursements (₹ in crores)
- Rural Business Finance: ₹6,740 (Q3FY25: ₹4,599)
- Farmer Finance: ₹2,780 (Q3FY25: ₹2,495)
- Urban Finance: ₹9,670 (Q3FY25: ₹6,531)
- SME Finance: ₹1,550 (Q3FY25: ₹1,249)
- Gold Finance: ₹1,400
- Acquired Portfolio: ₹550 (Q3FY25: ₹336)
- Total Retail Finance: ₹22,690 (Q3FY25: ₹15,210)
Retail Loan Book
The retail loan book at the end of Q3FY2025-26 is estimated to be around ₹1,11,900 crores, which is approximately 21% higher compared to the previous year.
Retail Loan Book Details (₹ in crores)
- Retail Loan Book: ₹1,11,900 (Q3FY25: ₹92,224)
Retailisation
The retailisation percentage for Q3FY2025-26 (estimated) is 98%, compared to 97% in Q3FY2024-25 (actual).
Source: BSE
