L&T Finance (LTF) Investor Day 2025 summary

Strategic vision and execution roadmap

• Achieved 39% YoY disbursement growth, with retail book surpassing ₹1 lakh crore and retailisation at 98%.

• Integrated gold loan business with AUM of ~₹1,500 crore and rapid branch rollout, completing tech integration in 3 months.

• Accelerated core business growth with new engines, including gold loans, expanded partnerships, and new products like Micro LAP and supply chain finance.

• Customer franchise grew to 27 million, with 2 million added in the last year.

• Targeting 20%-25% AUM growth and 2.8%-3% ROA by Q4 FY27, with continued investment in AI, digital channels, and branch expansion.

Technology and AI innovation

• Proprietary AI platforms Cyclops (underwriting) and Nostradamus (portfolio management) fully operational, underwriting over 1 million loans and reducing credit and collection costs.

• Digital transformation includes modular NeoStack architecture, agentic AI, always-on cloud infrastructure, and microservices-based digital backbone.

• AI-powered tools like Helios Copilot, multilingual bots, and AI voice agents automate underwriting, collections, and customer service, cutting TAT and operational costs.

• Digital platforms (Planet 3.0, Partner Planet) and martech drive customer engagement, cross-sell, and partner productivity, with 4x cross-sell and 3x new customer growth in two years.

• Engineering resilience ensures 99.9%+ uptime, 3x API volume growth, and 2.1x reduction in user support tickets.

Culture and organizational change

• Shifted to a tech-first, risk-first, execution-oriented organization with a matrix structure, increasing P&L ownership at branch level and fostering collaboration.

• Accelerated tech adoption and upskilling, democratizing AI tools across the workforce.

• Reduced annualized attrition by 5% and increased female headcount by 30%.

• Embedded a product mindset in engineering, enabling rapid rollout of tech solutions.

• Focused on innovation, risk-calibrated distribution, and a caring, learning organization.