L&T Finance Retail Portfolio Hits 98% in Q1 FY26; Disbursements Jump 18% YoY to ₹17,510 Crore
By Shishta Dutta | Updated at: Oct 13, 2025 12:23 PM IST
Mumbai, July 4, 2025 – L&T Finance Ltd (NSE: LTF, BSE: 533519) has released its business update for the quarter ended June 30, 2025, showcasing robust growth across retail segments. The company reported a sharp rise in its retailisation levels, with the share of the retail portfolio climbing to an estimated 98% in Q1 FY26, up from 95% in the same quarter last year. Retail disbursements during the quarter rose by 18% year-on-year to approximately ₹17,510 crore.
Key Financial Metrics
| Metric | Q1 FY25 (Actual) | Q1 FY26 (Estimated) | YoY Change |
|---|---|---|---|
| Retail Portfolio Share | 95% | 98% | +3% pts |
| Retail Disbursements (₹ Cr) | 14,839 | 17,510 | +18% |
| Retail Loan Book (₹ Cr) | 84,444 | 99,800 | +18% |
Segment-wise Retail Disbursement Breakdown
| Segment | Q1 FY25 (₹ Cr) | Q1 FY26 (₹ Cr) | YoY Change |
|---|---|---|---|
| Rural Business Finance | 5,773 | 5,610 | -2.8% |
| Farmer Finance | 1,903 | 2,200 | +15.6% |
| Urban Finance | 6,044 | 6,850 | +13.3% |
| SME Finance | 978 | 1,270 | +29.9% |
| Gold Finance* | – | 1,530 | New |
| Acquired Portfolio | 141 | 50 | -64.5% |
*Includes ₹1,350 crore gold loan book acquired from Paul Merchants Finance Pvt Ltd (PMFPL) in June 2025.
Strategic Development
L&T Finance’s entry into the gold loan segment through the acquisition of PMFPL’s business is a key driver of the new growth vertical. The company recorded ₹1,530 crore in gold finance disbursements in Q1 FY26 alone, immediately following the transaction on June 9, 2025.
Management Note
The company has not issued a separate commentary in this update, but emphasized that these figures are provisional and subject to limited review by statutory auditors.
L&T Finance Stock Performance
As of 11:17 AM IST, L&T Finance shares are trading at ₹206.94, representing a 1.80% gain as of July 4, 2025. L&T Finance shares have gained 9.93% in the last year, up 2.75% in the year-to-date, and dipped 4.59% in the previous month.
L&T Finance – Company Overview
L&T Finance Ltd, formerly known as L&T Finance Holdings Ltd, is a listed financial services company providing a range of retail and rural financing products across India. It is listed on NSE (Symbol: LTF) and BSE (Code: 533519). The company has been consistently pivoting towards retail-focused lending as part of its long-term strategic transformation.
REF: https://nsearchives.nseindia.com/corporate/naguiyer_03072025170505_NSEBSEINTIMATION.pdf
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