L&T Finance Share Price

microfinance, wholesale finance, and vehicle & equipment financing. With operations across 23 states in India, over 850 branches, and a presence in South Asia, it serves diverse segments from rural enterprises to urban infrastructure.

L&T Finance Business Segments and Revenue Model

L&T Finance’s operations are organised into six business verticals:

• Rural & Microfinance: Offers microloans, small business credit, and self-help group (SHG) financing to rural customers.
• SME & Mid-Corporate Finance: Provides working-capital and term loans to small and medium businesses.
• Commercial Vehicle & Construction Equipment Finance: Finances trucks, buses, tractors, and machinery.
• Housing Finance: Offers home loans, micro-home loans, and low-cost housing solutions.
• Wholesale Finance & Infrastructure: Targets developers, hospitals, non-banking corporates, and renewable projects.
• Housing Finance: Offers home finance to salaried and self-employed individuals.

Income is generated through interest spread on loans, fee income (processing, prepayments, insurance), and income from treasury operations. A diversified portfolio—with a balance between secured and unsecured loans, rural and urban, retail and wholesale—offers stability and mitigates risk.

L&T Finance Key Milestones

• 2008 – Established as a subsidiary of Larsen & Toubro to offer diverse financing solutions.
• 2009 – Launched rural finance operations in Gujarat and Bihar.
• 2011–12 – Initiated SME finance and commercial vehicle financing verticals.
• 2014 – Entered microfinance segment by acquiring stake in Grama Vidiyal.
• 2015 – Introduced housing-finance vertical to serve urban and semi-urban segments.
• 2017 – Achieved over 850 branches and expanded to South Asian markets.
• 2019 – Launched LTFH’s digital lending platform and mobile solution for underserved segments.
• 2021 – Achieved Rs. 1 lakh crore in total loan asset milestones; strong fintech collaborations.
• 2023 – Initiated green-finance programs for solar pump financing and renewable energy projects.
• FY25 – Gross loan book crossed ₹1.25 lakh crore; rural lending grew ~22%, SME by ~18%.
• Q4 FY25 – NII grew 11% year-over-year; net profit rose ~8% on strong loan growth and stable asset quality.

L&T Finance ESG and Sustainability

• CSR initiatives in rural education, women empowerment, financial literacy, and health camps.
• Green finance focus on solar pump schemes, clean energy vehicles, and sustainable agri projects.
• Governance strengthened through board-level ESG disclosures and internal risk policies.
• Digital inclusion programs for crop insurance, farmer advisories, and micro-entrepreneur solutions.
• Long-term goal: 50% of loan book in green/financial inclusion by 2030, aligning with national and global sustainability frameworks.

L&T Finance Awards and Recognitions

• Recognised as “Best NBFC – Rural & Inclusive Finance” at national finance awards.
• Received accolades for “Best Digital Lending Platform” and fintech innovation.
• Honoured for sustainable lending in agriculture and renewable energy finance.
• Rated by prominent industry bodies for strong governance, risk management, and financial inclusion.