L&T Finance has officially reported strong business performance for Q4FY26, with retail disbursements reaching ₹24,080 crores, representing a significant 62% year-on-year growth. The company's strategic focus on retail finance operations has delivered robust results across multiple business segments, demonstrating sustained momentum in its core lending activities.

Q4FY26 Performance Highlights

The company achieved retail disbursements of ₹24,080 crores in Q4FY26, compared to ₹14,899 crores in Q4FY25. This substantial growth reflects the company's successful expansion across its retail finance portfolio and enhanced market penetration.

Annual FY26 Performance

For the complete financial year FY26, L&T Finance recorded retail disbursements of ₹83,190 crores, marking 39% growth compared to ₹60,040 crores in FY25. The annual performance demonstrates consistent growth momentum across all retail finance verticals throughout the year.

Business Segment Performance

Urban Finance emerged as the largest contributor with strong performance, while Rural Business Finance maintained steady growth. The company also introduced Gold Finance as a new business vertical during FY26, adding diversification to its retail portfolio. SME Finance continued to show consistent growth, contributing to the overall disbursement expansion.

Loan Book Expansion

The retail loan book expanded to ₹1,19,550 crores as of March 31, 2026, representing 26% year-on-year growth from ₹95,180 crores in the previous year. The company's retailisation percentage improved to 98% in Q4FY26 from 97% in the previous year, indicating strengthened focus on retail finance operations and successful business transformation.

L&T Finance Limited has announced the allotment of 3,13,000 equity shares to employees under its Employee Stock Option Plan (ESOP). The allotment was approved by the company's ESOP Allotment Committee on April 02, 2026, following the exercise of stock options by eligible option grantees.

ESOP Allotment Details

The ESOP Allotment Committee approved the share allotment through a resolution passed by circulation, with formal approval received at 11:38 A.M. on April 02, 2026. The allotment covers employees who exercised their stock options under the company's established ESOP framework.

Share Characteristics and Rights

The newly allotted equity shares will carry equal rights and privileges as the existing equity shares of the company. These shares will rank pari-passu with existing equity shares in all respects, ensuring that holders receive the same treatment as current shareholders.

The allotted shares will be entitled to dividends that may be declared by the company going forward, providing option grantees with full participation in the company's future dividend distributions.

Regulatory Compliance

The allotment was conducted in compliance with Regulation 30 read with Para A of Part A of Schedule III of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company has informed both the National Stock Exchange of India Limited and BSE Limited about this corporate action to maintain transparency and regulatory compliance.

The announcement was signed by Apurva Rathod, Company Secretary and Compliance Officer, ensuring proper authorization and documentation of the ESOP allotment process.