L T Finance Limited

L&T Finance Ltd (LTF) is a leading NBFC and a subsidiary of the renowned L&T Group. In December 2023, LTF restructured by merging its subsidiaries, L&T Finance, L&T Infra Credit, and L&T Mutual Fund Trustee, to operate as a unified retail NBFC. The company focuses on retail lending, serving markets through farm equipment loans, two-wheeler financing, microfinance, home loans, personal loans, loans against property, and SME finance. L&T Group, a powerhouse in India's industrial and financial sectors, holds a majority stake in LTF, strengthening its strategic alignment with the group, whose top management plays an active role in overseeing LTF's performance in line with long-term group goals. LTF's product offerings are diverse, and with a sharp focus on retailisation, the company aims to enhance its digital platforms and customer service, having also ventured into new areas such as warehouse-related financing and rural business loans. LTF benefits from strong backing by the L&T Group, enabling continued capital infusion and strategic support, along with a well-rounded retail product portfolio, robust risk management, and digital advancements that support better asset quality and growth.