L&T Finance Ltd

L&T Finance Limited (LTF) presented its Q2FY27 investor presentation, highlighting its strategic initiatives and financial performance. The company emphasized its 'Lakshya 2031' growth plan, aiming for a 20%+ book growth, credit cost below 2%, and ROA of 3.0%-3.2%, with ROE targets of 16%-18%. As of Q2FY27, LTF achieved a 28% YoY book growth, reaching ₹1,36,635 Cr, with a 13.56% ROE and 2.60% ROA. The company showcased its deep tech and AI-driven platforms, such as Cyclops for underwriting and Nostradamus for portfolio monitoring, which have improved credit quality and reduced delinquency rates. LTF reported strong collection efficiency across rural and urban segments, with 0 DPD collection efficiency at 99.8% for rural business finance. The company also highlighted its extensive distribution network, with 3,100+ branches and a customer base of 3 Cr+. ESG initiatives included renewable energy adoption, digital inclusion projects, and CSR activities benefiting over 87.40 lakh people. The board and management team are experienced, with a focus on technology, AI, and sustainable growth.

The presentation highlights strong financial performance, strategic technological advancements, and positive ESG initiatives, indicating a positive tone.