L&T Finance Q1 Retail Disbursements Up 36% YoY

Date: July 03, 2026

Retail Disbursements

Retail disbursements for the quarter ended June 30, 2026 (Q1 FY2026-27) are estimated at approximately ₹23,800 crores, representing a growth of approximately 36% on a year-over-year basis.

Breakdown by segment (₹ in crores):

• Rural Business Finance: Q1 FY2025-26 (Actual) - 5,619; Q1 FY2026-27 (Estimated) - 6,960
• Farmer Finance: Q1 FY2025-26 (Actual) - 2,200; Q1 FY2026-27 (Estimated) - 2,450
• Urban Finance: Q1 FY2025-26 (Actual) - 6,851; Q1 FY2026-27 (Estimated) - 10,760
• SME Finance: Q1 FY2025-26 (Actual) - 1,273; Q1 FY2026-27 (Estimated) - 1,560
• Gold Finance: Q1 FY2025-26 (Actual) - 1,530; Q1 FY2026-27 (Estimated) - 1,920
• Acquired Portfolio: Q1 FY2025-26 (Actual) - 49; Q1 FY2026-27 (Estimated) - 150
• Retail Finance Total: Q1 FY2025-26 (Actual) - 17,522; Q1 FY2026-27 (Estimated) - 23,800

Retail Book

Retail loan book at the end of Q1 FY2027 is estimated at approximately ₹1,27,450 crores, representing a growth of approximately 28% on a year-over-year basis.

Comparative figures:

• Q1 FY2025-26 (Actual): ₹99,816 crores
• Q1 FY2026-27 (Estimated): ₹1,27,450 crores

Retailisation (%)

The retailisation percentage remains consistent at 98% for both periods:

• Q1 FY2025-26 (Actual): 98%
• Q1 FY2026-27 (Estimated): 98%

Disclosure Status

The information provided is estimated and provisional in nature and subject to limited review by the Statutory Auditors of the Company.