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L&T Finance Retail Loans Surge 49% in Q3 FY26
5 Jan
Summary
- Retail disbursements jumped 49% year-over-year in Q3 FY26.
- The retail loan book grew 21% to ₹1.11 lakh crore.
- Retail loans comprised 97% of the business during the quarter.
L&T Finance unveiled strong performance figures for the December quarter of FY26, highlighting the success of its retail-centric strategy. The company's retail loan book experienced a significant expansion, growing by approximately 21% year-on-year to reach an estimated ₹1.11 lakh crore as of December 31, 2025.
During the quarter, retail disbursements surged by an impressive 49%, climbing from ₹15,210 crore in the prior year to an estimated ₹22,690 crore. This growth was observed across various segments, including rural, urban, SME, and farmer finance, indicating broad-based momentum.
Underscoring its strategic pivot, L&T Finance maintained a strong retailization ratio of 97% for the quarter. These provisional figures, subject to auditor review, reflect L&T Finance's continued focus on retail exposures over wholesale lending.
