Urban Finance led the growth, with estimated disbursements rising 57% YoY to Rs 10,760 crore from Rs 6,851 crore a year ago. Rural Business Finance disbursements increased 24% YoY to Rs 6,960 crore from Rs 5,619 crore, while Farmer Finance rose 11% YoY to Rs 2,450 crore from Rs 2,200 crore.

SME Finance disbursements grew 23% YoY to Rs 1,560 crore from Rs 1,273 crore, while Gold Finance increased 25% YoY to Rs 1,920 crore from Rs 1,530 crore. Disbursements from the acquired portfolio jumped 206% YoY to around Rs 150 crore from Rs 49 crore in the year-ago quarter.

The company's retail loan book was estimated at around Rs 1,27,450 crore as of 30 June 2026, up 28% YoY from Rs 99,816 crore a year earlier.

L&T Finance said its retailisation level remained unchanged at 98% at the end of the quarter.

The company said the figures are estimated and provisional and remain subject to a limited review by its statutory auditors.

Mumbai-based L&T Finance is a leading non-banking financial company (NBFC), offering a range of financial products and services.

On a consolidated basis, the company's PAT for Q4FY26 stood at Rs 807 crore vs. Rs. 636 crore, up by 27% YoY. Total income jumped 18.47% YoY to Rs 4,771.10 crore in Q4FY26.

Shares of L&T Finance rose 3.73% to settle at Rs 326.95 on Friday, 3 July 2026.