L&T Finance Limited delivered exceptional financial performance in Q3FY26, with retail disbursements reaching ₹22,690 crores, representing a robust 49% year-on-year growth from ₹15,210 crores in Q3FY25. The company's retail loan book expanded to ₹1.12 trillion by the end of the quarter, demonstrating strong business momentum across multiple segments.

Retail Disbursements Performance

The company demonstrated broad-based growth across all major business segments during Q3FY26:

Urban Finance emerged as the largest contributor with ₹9,670 crores in disbursements, followed by Rural Business Finance at ₹6,740 crores. The company successfully launched Gold Finance as a new business segment, contributing ₹1,400 crores to overall disbursements.

Retail Loan Book Expansion

The retail loan book showed strong expansion, growing to ₹1.12 trillion by December 31, 2025:

This 21% year-on-year growth reflects sustained lending activities and successful customer acquisition across retail segments.

Strategic Focus and Market Performance

L&T Finance improved its retailisation percentage to 98% during Q3FY26, up from 97% in the corresponding quarter last year, further strengthening the company's pivot toward retail-focused operations.

Shares of L&T Finance have delivered exceptional returns in 2025, surging 132% to mark the best annual performance since listing in 2011. The stock is expected to attract significant investor attention following the strong Q3FY26 business update.

Previous Quarter Performance

In Q2FY26, the company posted a net profit of ₹735 crores, up from ₹696 crores year-on-year and 5% higher sequentially. Revenue for the quarter rose 8% year-on-year to ₹4,335 crores, while net interest income grew 10.30% to ₹2,403 crores. The company also reported its highest-ever quarterly retail disbursements at ₹18,883 crores in Q2FY26, marking a 25% increase from the same period last year.

Regulatory Disclosure

The company filed this business update under Regulation 30 with both NSE and BSE. The figures are provisional and estimated in nature, subject to limited review by statutory auditors. This quarterly disclosure demonstrates L&T Finance's commitment to maintaining transparency with stakeholders regarding operational performance and business growth trajectory.

L&T Finance Limited witnessed significant institutional trading activity with a substantial block trade executed on the National Stock Exchange (NSE). The transaction represents one of the notable trading activities for the financial services company.

Block Trade Details

The block trade executed on NSE involved a considerable volume and value, demonstrating active institutional participation in the stock.

Market Significance

Block trades are typically executed by institutional investors, mutual funds, or other large market participants. These transactions are conducted outside the regular market to avoid impacting the stock's market price during execution. The substantial volume of 502,796 shares indicates significant institutional interest in L&T Finance Limited.

The execution price of ₹319.20 per share provides insight into the valuation at which large investors are willing to transact in the stock. Such block deals are often viewed as indicators of institutional confidence and can influence market sentiment.

Trading Activity Impact

Block trades of this magnitude are closely monitored by market participants and analysts as they can provide insights into institutional investment patterns. The ₹16.05 crore transaction value represents substantial capital movement in the stock, which may attract attention from other market participants and potentially influence trading volumes in subsequent sessions.