L&T Finance Limited reported estimated retail disbursements of ₹24,000 crore for the quarter ended September 30, 2026. This represents a growth of approximately 27% on a year-on-year basis compared to the corresponding period in the previous fiscal year.

The company’s retail loan book stood at an estimated ₹1,34,500 crore at the end of Q2FY27, reflecting a robust expansion of roughly 29% YoY. The data indicates a significant acceleration in lending activity across key segments, particularly in urban and gold finance categories.

Segment-wise disbursement performance

The growth in disbursements was driven by strong performances in Urban Finance and Gold Finance. While Rural Business Finance and Farmer Finance remained relatively stable, other segments witnessed substantial year-on-year increases.

Urban Finance emerged as the largest contributor to the total disbursement pool, rising from ₹8,143 crore in Q2FY26 to ₹10,320 crore in Q2FY27. Gold Finance showed the most dramatic relative growth, expanding more than threefold from ₹983 crore to ₹3,230 crore during the same period.

Portfolio composition and retailisation

The retailisation ratio improved slightly to 99% in Q2FY27, up from 98% in Q2FY26. This shift underscores the company’s continued focus on granular retail assets over wholesale or corporate exposures. The overall retail loan book grew from ₹1,04,606 crore in Q2FY26 to ₹1,34,500 crore in Q2FY27.

What the numbers show

A divergence is visible between the growth rates of specific segments. While Gold Finance drove a significant portion of the incremental volume, contributing nearly ₹2,247 crore to the year-on-year increase, traditional rural segments like Farmer Finance saw a marginal decline from ₹1,654 crore to ₹1,640 crore. This suggests that the overall 27% growth in disbursements was heavily supported by non-rural and gold-backed lending channels rather than broad-based growth across all verticals.

L&T Finance shares worth ₹40.17 crore changed hands on BSE in a large-trade signal, with approximately 1,500,118 shares flagged at a price of ₹267.80.

This is a real-time large-trade signal, not a confirmed block or bulk deal. NSE/BSE publish official block and bulk deal reports only after market close — this trade may or may not appear there.

Large-trade signal details

The signal reflects a cluster of trades in L&T Finance shares printed within a short window at or near ₹267.80 on BSE, for a combined value of ₹40.17 crore. The activity was flagged by a real-time trade-scanning system based on size and speed of execution, and has not been confirmed by the exchange as an official block or bulk deal.

No buyer, seller, broker, or client identity is available at this stage. Such information, if applicable, is disclosed by the exchange only after trading hours.

What this is, and isn't: this reflects trade-level activity — a cluster of trades in the stock above, printed within a short window at or near the quoted price, for a combined value as stated. It is generated by our real-time trade-scanning system and is not, by itself, evidence of a block or bulk deal.

A block deal has to be executed in the exchange's dedicated window (8:45–9:00am or 2:05–2:20pm), within a set price band, and above the current minimum order size (₹25 crore). A bulk deal is when one client's total trading in a stock crosses 0.5% of its equity in a single day — confirmed only once every trade that client made is added up.

Both are published by NSE/BSE after trading hours end, typically after 3:30pm — never before. If this trade qualifies as either, it will appear in the exchange's own report later today, not here first.