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L&T Finance (LTF) investor relations material
L&T Finance Investor Day 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Day 2025 summary6 Nov, 2025
Strategic vision and business performance
Achieved 42% YoY rural disbursement growth and 49% YoY urban finance growth, with retail AUM surpassing ₹1 lakh crore and retailization at 98%.
Integrated gold loan business in three months, reaching ₹1,500 crore AUM, adding 130 branches and 700 employees, with plans for 200+ new branches by March 2026.
Expanded digital partnerships, with disbursements growing from ₹157 crore to ₹1,138 crore in a quarter and 75% YoY growth.
Collection efficiencies in microfinance improved to 99.57%, and customer franchise grew to 27 million.
Launched new products including gold loans, Micro LAP, Embedded Finance, and supply chain finance.
Technology and AI transformation
Cyclops AI underwriting engine fully operational across major business lines, processing 14,000 applications daily with zero downtime and reducing credit costs.
Nostradamus AI portfolio management engine launched, analyzing 200+ banking variables monthly and providing early warning signals.
Agentic AI, multilingual bots, and AI voice agents deployed, reducing underwriting and assessment times by up to 50% and improving engagement.
Achieved 2.5x increase in deployment throughput, 2.1x reduction in user support tickets, and API latencies as low as 30ms.
Built modular, microservices-based digital architecture with real-time intelligence and zero trust security.
Culture, organization, and risk management
Shifted to a matrix structure with P&L ownership at branch level, fostering a risk-first, tech-first culture and collaboration.
Talent management led to a 5% drop in attrition and a 30% increase in women employees.
Accelerated tech adoption, democratized AI tools, and embedded a product mindset in engineering.
Focused on credit discipline, rigorous portfolio reviews, and balanced scorecards.
Ongoing investment in data governance, cloud infrastructure, and always-on digital architecture.
AI's impact on credit cost reduction
Gold loan AUM 10x growth strategy
Digital partnerships' impact on sourcing mix
Quantify Cyclops' impact on credit risk metrics
Explain Sampoorna branch cross-sell strategy
What are key outcomes of culture change efforts?
Cyclops impact on market share
Outline Sampuna branch strategy
Quantify AI's impact on operating costs
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Next L&T Finance earnings date
Q3 25/2620 Jan, 2026
Next L&T Finance earnings date
Q3 25/2620 Jan, 2026
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Frequently asked questions
L&T Finance Limited is an India-based non-banking financial company (NBFC) that provides a range of financial products and services. The company operates in segments such as rural finance, housing finance, infrastructure finance, and investment management. Its offerings include farm equipment loans, two-wheeler loans, home loans, real estate financing, and project finance. L&T Finance serves retail, corporate, and institutional clients across urban and rural markets in India. The company is headquartered in Mumbai, India, and its shares are listed on the BSE.
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