Conference Call with L&T; Finance Management and Analysts on Q1FY27 Performance and Outlook. Listen to the full earnings transcript.
Finance company L&T; Finance announced Q1FY27 results Consolidated Financial Highlights: Revenue from Operations: Stood at Rs 5,212.92 crore for Q1FY27. This represents a YoY growth of 22.38% compared to Rs 4,259.57 crore in Q1FY26, and a QoQ increase of 9.26% from Rs 4,771.03 crore in Q4FY26. Total Income: Reached Rs 5,243.31 crore in Q1FY27, marking a YoY increase of 23.09% from Rs 4,259.60 crore in Q1FY26. On a QoQ basis, it grew by 9.90% against Rs 4,771.10 crore in the preceding quarter. Profit Before Tax (PBT): Reported at Rs 1,236.28 crore for Q1FY27, reflecting a robust YoY increase of 31.07% from Rs 943.22 crore in Q1FY26. On a QoQ basis, PBT increased by 15.12% compared to Rs 1,073.92 crore in Q4FY26. Profit After Tax (PAT): Stood at Rs 915.99 crore for Q1FY27. This showcases a YoY surge of 30.70% compared to Rs 700.84 crore, and a QoQ growth of 13.20% from Rs 809.16 crore. Total Comprehensive Income: Reported at Rs 915.04 crore for Q1FY27, a YoY increase of 36.41% from Rs 670.80 crore and a QoQ increase of 7.29% from Rs 852.84 crore. Earnings Per Share (EPS): Basic EPS (not annualized) for Q1FY27, stood at Rs 3.60, improving from Rs 2.81 YoY and Rs 3.22 QoQ. Standalone Financial Highlights: Revenue from Operations: Stood at Rs 5,212.84 crore for Q1FY27, a YoY increase of 22.46% from Rs 4,256.75 crore and a QoQ increase of 5.93% from Rs 4,920.79 crore. Total Income: Reached Rs 5,243.49 crore, translating to an increase of 23.17% YoY from Rs 4,257.07 crore, and a growth of 6.55% QoQ from Rs 4,921.16 crore. Profit Before Tax (PBT): Recorded at Rs 1,213.17 crore, demonstrating a YoY growth of 29.95% from Rs 933.55 crore, and a marginal QoQ increase of 0.14% from Rs 1,211.48 crore. Profit After Tax (PAT): Reached Rs 895.32 crore for Q1FY27, reflecting a YoY growth of 28.99% from Rs 694.09 crore, but registering a QoQ decline of 5.47% from Rs 947.09 crore. Business Highlights: Rural Business Finance: Book size up 22% YoY to Rs 32,493 crore vs. Rs 26,616 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 6,961 crore vs. Rs 5,618 crore, up 24% YoY. Farmer Finance: Book size up 11% YoY to Rs 17,514 crore vs. Rs 15,756 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 2,453 crore vs. Rs 2,200 crore, up 11% YoY. Two-wheeler Finance: Book size up 22% YoY to Rs 15,068 crore vs. Rs 12,331 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 3,006 crore vs. Rs 2,128 crore, up 41% YoY. Personal Loans: Book size up 80% YoY to Rs 16,917 crore vs. Rs 9,383 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 4,380 crore vs. Rs 1,942 crore, up 126% YoY. Housing Loans and Loan Against Property (LAP): Book size up 20% YoY to Rs 31,630 crore in Q1FY27 vs. Rs 26,464 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 3,401 crore vs. Rs 2,780 crore, up 22% YoY. SME Finance: Book size up 28% YoY to Rs 8,884 crore in Q1FY27 vs. Rs 6,964 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs.1,567 crore vs. Rs 1,273 crore, up 23% YoY Gold Finance: Book size up 182% YoY to Rs 3,829 crore in Q1FY27 vs. Rs 1,360 in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 1,928 crore vs. Rs 1,530 crore, up 26% YoY Sudipta Roy, Managing Director & CEO, LTF, said: “Q1FY27 was another quarter where we remained focused on disciplined execution amidst an evolving macroeconomic environment marked by geopolitical uncertainties, inflationary pressures and elevated borrowing costs. Despite these external factors, our diversified retail franchise continued to demonstrate resilience, delivering strong business momentum and healthy book growth in line with the goals of our Lakshya 31 strategic plan. Our consistent investments in technology, analytics and AI continue to be a key differentiator, both in terms of customer experience as well as credit outcomes. In our bid to transform into an AI-native organization, we are increasingly embedding our proprietary AI ecosystem across the entire lending stack from sourcing and underwriting through our in-house AI credit engine ‘Project Cyclops’ to portfolio monitoring through ‘Project Nostradamus’ and our expanding suite of in-house developed AI copilots and agents. These capabilities are enabling superior credit selection, improved customer experience, faster turnaround times and enhanced operating efficiencies, while strengthening the quality and sustainability of our growth. The economy continues to exhibit resilience, supported by healthy government spending, improving infrastructure and sustained consumption trends. We are also pleased to note that our Rural Business Finance vertical has resumed its growth trajectory, with healthy business parameters across new customer acquisition, disbursement growth and collection efficiencies. As we embark on the first full year of our Lakshya 31 journey, our focus remains on delivering consistent, profitable and high-quality growth. We will continue to invest in innovation, strengthen our distribution capabilities and enhance customer experience as we build a future-ready, AI-native financial institution that will be resilient across economic cycles.” Result PDF