1Y Annualised Return
▲23.00%
3Y Annualised Return
▲37.47%
5Y Annualised Return
▲27.31%
10Y Annualised Return
▲12.22%
L&T Finance Stock Performance
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L&T Finance Company background
L&T Finance Holdings Overview
L&T Finance Holdings Limited, established in 2008 as part of Larsen & Toubro Group, is headquartered in Mumbai, Maharashtra, with its registered office in Powai. It is listed on both the Bombay Stock Exchange (533519) and the National Stock Exchange (LTF). The company provides a wide array of financial services including rural finance, housing finance, microfinance, wholesale finance, and vehicle & equipment financing. With operations across 23 states in India, over 850 branches, and a presence in South Asia, it serves diverse segments from rural enterprises to urban infrastructure.
L&T Finance Business Segments and Revenue Model
L&T Finance’s operations are organised into six business verticals:
- Rural & Microfinance: Offers microloans, small business credit, and self-help group (SHG) financing to rural customers.
- SME & Mid-Corporate Finance: Provides working-capital and term loans to small and medium businesses.
- Commercial Vehicle & Construction Equipment Finance: Finances trucks, buses, tractors, and machinery.
- Housing Finance: Offers home loans, micro-home loans, and low-cost housing solutions.
- Wholesale Finance & Infrastructure: Targets developers, hospitals, non-banking corporates, and renewable projects.
- Housing Finance: Offers home finance to salaried and self-employed individuals.
Income is generated through interest spread on loans, fee income (processing, prepayments, insurance), and income from treasury operations. A diversified portfolio—with a balance between secured and unsecured loans, rural and urban, retail and wholesale—offers stability and mitigates risk.
L&T Finance Key Milestones
- 2008 – Established as a subsidiary of Larsen & Toubro to offer diverse financing solutions.
- 2009 – Launched rural finance operations in Gujarat and Bihar.
- 2011–12 – Initiated SME finance and commercial vehicle financing verticals.
- 2014 – Entered microfinance segment by acquiring stake in Grama Vidiyal.
- 2015 – Introduced housing-finance vertical to serve urban and semi-urban segments.
- 2017 – Achieved over 850 branches and expanded to South Asian markets.
- 2019 – Launched LTFH’s digital lending platform and mobile solution for underserved segments.
- 2021 – Achieved Rs. 1 lakh crore in total loan asset milestones; strong fintech collaborations.
- 2023 – Initiated green-finance programs for solar pump financing and renewable energy projects.
- FY25 – Gross loan book crossed ₹1.25 lakh crore; rural lending grew ~22%, SME by ~18%.
- Q4 FY25 – NII grew 11% year-over-year; net profit rose ~8% on strong loan growth and stable asset quality.
L&T Finance ESG and Sustainability
- CSR initiatives in rural education, women empowerment, financial literacy, and health camps.
- Green finance focus on solar pump schemes, clean energy vehicles, and sustainable agri projects.
- Governance strengthened through board-level ESG disclosures and internal risk policies.
- Digital inclusion programs for crop insurance, farmer advisories, and micro-entrepreneur solutions.
- Long-term goal: 50% of loan book in green/financial inclusion by 2030, aligning with national and global sustainability frameworks.
L&T Finance Awards and Recognitions
- Recognised as “Best NBFC – Rural & Inclusive Finance” at national finance awards.
- Received accolades for “Best Digital Lending Platform” and fintech innovation.
- Honoured for sustainable lending in agriculture and renewable energy finance.
- Rated by prominent industry bodies for strong governance, risk management, and financial inclusion.
L&T Finance Financial Highlights
Over the past
L&T Finance Fundamental
Market Cap (in crs)
50,498.78
Face Value
10
Turnover (in lacs)
5,248.90
Key Metrics
L&T Finance Key Financials
| Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|
4259.57 Cr | 4022.92 Cr | 4097.58 Cr | 4019.34 Cr | 3784.4 Cr |
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|
15940.98 Cr | 14055.12 Cr | 13301.7 Cr | 12323.55 Cr | 14080.1 Cr | 14476.75 Cr |
| Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|
700.84 Cr | 635.84 Cr | 625.65 Cr | 696.68 Cr | 685.25 Cr |
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|
2643.42 Cr | 2317.13 Cr | -728.89 Cr | 849.23 Cr | 948.88 Cr | 1700.26 Cr |
L&T Finance Result Highlights
Result Summary
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L&T Finance Ltd reported a 15.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1FY26). On a year-on-year (YoY) basis, it witnessed a growth of 12.6%.
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Its expenses for the quarter were up by 1.5% QoQ and 12.2% YoY.
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The net profit increased 26.7% QoQ and increased 2.3% YoY.
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The earnings per share (EPS) of L&T Finance Ltd stood at 2.8 during Q1FY26.
Data Source: BSE, Company announcements
The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results.
L&T Finance Technical Analysis
Moving Averages Analysis
Delivery & Volume
| Period | Combined Delivery Volume | NSE+BSE Traded Volume |
|---|---|---|
Day Rs | 1153895 Rs | 2848344 Rs |
Week Rs | 1060798 Rs | 3090308 Rs |
Month Rs | 3670694 Rs | 8393316 Rs |
Resistance & Support
L&T Finance Peer comparison
| Index Name | Market Price | Market Cap | 52W Low | 52W High | Prev. Close | 1W Return | 1M Return | 6M Return | 1Y Return | 3Y Return | Dividend Yield | PE Ratio | Industry PE | PB Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
- | 35,508.45 | 267.2 | 483.4 | 451.75 | 2.53% | 0.26% | 59.05% | 28.62% | 55.92% | 0.00% | 0.00 | 26.15 | 4.37 | |
- | 1,10,700.92 | 1756.05 | 2800 | 2,509.90 | 4.66% | 3.45% | 22.28% | 51.80% | 132.22% | 0.94% | 21.29 | 26.15 | 3.89 | |
- | 50,382.27 | 3765.5 | 5535.85 | 4,475.60 | -2.52% | -10.13% | -0.67% | 16.98% | 118.61% | 0.77% | 30.24 | 26.15 | 4.52 | |
- | 49,216.01 | 1325.5 | 2999 | 2,987.60 | 1.02% | 10.91% | 76.43% | 108.21% | 0.00% | 0.03% | 11.99 | 26.15 | 3.36 | |
- | 75,108.84 | 659.8 | 1027.25 | 790.10 | -0.90% | -12.63% | -8.11% | 14.46% | -17.25% | 0.32% | 40.00 | 26.15 | 5.45 | |
HDB Financial Services Ltd. | 760.10 | 760.10 | - | - | - | - | - | - | - | - | - | - | - | - |
L&T Finance Share Price FAQs
How has L&T Finance shares performed in the past ?
L&T Finance share price in the past 1-year return was 25.93. The L&T Finance share hit a 1-year low of Rs. 129.2 and a 1-year high of Rs. 214.8.
What is the market cap of L&T Finance ?
The market cap of L&T Finance is Rs. 50498.78 Cr. as of 14/8/2025.
What is the current P/E ratio of L&T Finance ?
The PE ratios of L&T Finance is 19.18 as of 14/8/2025.
What is the current PB ratio of L&T Finance ?
The PB ratios of L&T Finance is 1.99 as of 14/8/2025
What is the Mutual Fund shareholding in L&T Finance ?
The Mutual Fund Shareholding in L&T Finance was 8.15% at the end of 14/8/2025.
How to buy L&T Finance shares?
You can easily buy L&T Finance shares in Kotak Securities by opening a demat account and getting the KYC documents verified online.
What is the 52-week high and low of L&T Finance ?
The 52-week high and low of L&T Finance share price is ₹214.8 and ₹129.2 as of 14/8/2025.
What is the EPS of L&T Finance ?
The earnings per share (EPS) of L&T Finance stood at 2.8 during Q1FY26.
Please be aware that L&T Finance stock prices are subject to continuous fluctuations due to various factors.