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L&T Finance Investor Day 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Day 2025 summary6 Nov, 2025
Strategic vision and execution roadmap
Achieved 39% YoY disbursement growth, with retail book surpassing ₹1 lakh crore and retailisation at 98%.
Integrated gold loan business with AUM of ~₹1,500 crore and rapid branch rollout, completing tech integration in 3 months.
Accelerated core business growth with new engines, including gold loans, expanded partnerships, and new products like Micro LAP and supply chain finance.
Customer franchise grew to 27 million, with 2 million added in the last year.
Targeting 20%-25% AUM growth and 2.8%-3% ROA by Q4 FY27, with continued investment in AI, digital channels, and branch expansion.
Technology and AI innovation
Proprietary AI platforms Cyclops (underwriting) and Nostradamus (portfolio management) fully operational, underwriting over 1 million loans and reducing credit and collection costs.
Digital transformation includes modular NeoStack architecture, agentic AI, always-on cloud infrastructure, and microservices-based digital backbone.
AI-powered tools like Helios Copilot, multilingual bots, and AI voice agents automate underwriting, collections, and customer service, cutting TAT and operational costs.
Digital platforms (Planet 3.0, Partner Planet) and martech drive customer engagement, cross-sell, and partner productivity, with 4x cross-sell and 3x new customer growth in two years.
Engineering resilience ensures 99.9%+ uptime, 3x API volume growth, and 2.1x reduction in user support tickets.
Culture and organizational change
Shifted to a tech-first, risk-first, execution-oriented organization with a matrix structure, increasing P&L ownership at branch level and fostering collaboration.
Accelerated tech adoption and upskilling, democratizing AI tools across the workforce.
Reduced annualized attrition by 5% and increased female headcount by 30%.
Embedded a product mindset in engineering, enabling rapid rollout of tech solutions.
Focused on innovation, risk-calibrated distribution, and a caring, learning organization.
AI's impact on credit cost reduction
Gold loan AUM 10x growth strategy
Digital partnerships' impact on sourcing mix
Quantify Cyclops' impact on credit risk metrics
Explain Sampoorna branch cross-sell strategy
What are key outcomes of culture change efforts?
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Next L&T Finance earnings date
Q3 25/2620 Jan, 2026
Next L&T Finance earnings date
Q3 25/2620 Jan, 2026
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Frequently asked questions
L&T Finance Limited is an India-based non-banking financial company (NBFC) that provides a range of financial products and services. The company operates in segments such as rural finance, housing finance, infrastructure finance, and investment management. Its offerings include farm equipment loans, two-wheeler loans, home loans, real estate financing, and project finance. L&T Finance serves retail, corporate, and institutional clients across urban and rural markets in India. The company is headquartered in Mumbai, India, and its shares are listed on the BSE.
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