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On a sequential basis, net profit rose 6 per cent.
Its core net interest increased to Rs 4,424.03 crore in the reporting quarter from Rs 4,240.07 crore a quarter ago and Rs 3.749.88 crore in the year-ago period.
“Through the course of the year, we remained steadfast in our approach, tightening credit and risk administration frameworks, strengthening collections infrastructure, accelerating our AI-led technology transformation and continuously focusing on growth across all our business lines,” Sudipta Roy, Managing Director and Chief Executive Officer at L&T Finance, said.
In the microfinance business, the focus was on navigating the cycle with prudence and the efforts have yielded results, Roy said, adding that business parameters across disbursements and collection efficiencies are now reverting to near pre-crisis levels.
The company is confident that FY27 will be a stable and productive year for this segment.
The total revenue from operations increased to Rs 4,771.03 crore in Q4 FY26 compared to Rs 4,578.27 crore in Q3 FY26 and Rs 4,022.92 crore in Q4 FY25, according to its financial results.In the reporting quarter, retail disbursements grew 62 per cent to Rs 24,107 crore in Q4 FY26 from Rs 14,899 crore in Q4 FY25.
The growth in secured disbursements led by two-wheeler finance at Rs 2,930 crore, a rise of 58 per cent year-on-year.
Personal loan disbursements rose 98 per cent to Rs 3,786 crore, rural business finance disbursements increased 41 per cent to Rs 7,208 crore, investor presentation showed.
Its retail book rose 26 per cent year-on-year to Rs 1,19,508 crore, and consolidated stood at was Rs 1,21,728 crore.
The wholesale book of the company declined 14 per cent to Rs 2,220 crore as of March 31, 2026, from Rs 2,582 crore a year back.
The company has seen an improvement of 0.06 per cent in net interest margins (NIM) plus fees. It stood at 10.47 per cent in Q4 FY26 compared to 10.41 per cent in Q3 FY26.
Credit costs improved in the reporting quarter at 2.64 per cent from 2.83 per cent in the preceding December quarter.
The L&T Finance scrip closed 0.56 per cent down at Rs 290.45 a piece on the BSE against a 1.29 per cent correction on the benchmark.
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