Please find enclosed Integrated Annual Report of the Company for the financial year 2025-26.
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L&T Finance has submitted its Integrated Annual Report for FY 2025-26, marking the successful conclusion of its Lakshya 2026 strategic plan. Key highlights include achieving 98% retailization with retail book crossing ₹1 lakh Cr, maintaining asset quality with Gross Stage 3 (GS3) at 2.88% and Net Stage 3 (NS3) at 0.96%, and reporting a consolidated PAT of ₹2,981 Cr. The company also completed the acquisition of Gold Finance business from Paul Merchants, doubling its Gold Finance branch network to 330+ branches. The consolidated book size stands at ₹1,21,728 Cr with market capitalization of ₹60,155.35 Cr. The company serves 2.8 Cr+ customers across ~2 lakh villages and 450+ cities. The AGM is scheduled for May 29, 2026. The report also outlines Lakshya 2031 strategy targeting 20%+ book growth, <2% credit costs, and 3.0%-3.2% RoA.
The annual report confirms strong execution of Lakshya 2026 with industry-leading asset quality and successful retail transformation, positioning the company well for its next phase of growth under Lakshya 2031. The Gold Finance acquisition enhances the secured asset mix and cross-sell opportunities.