L&T Finance reported Q4FY26 PAT of ₹807 Cr, a 27% YoY growth, with RoE improving to 11.71%.
Retail disbursements surged 62% YoY to ₹24,107 Cr, driven by Two-Wheeler, Gold, and Personal Loans.
The company achieved 98% retailisation of its book and completed its Lakshya 2026 goals, transitioning to an AI-driven prime retail franchise.
An annual ECL model refresh resulted in a ₹301 Cr provision realignment, strengthening the Stage 1 coverage without P&L impact.