L&T Finance Q2FY27: PAT rises to ₹975 Cr, retail book reaches ₹1,34,600 Cr with RoA at 2.60%
Q2FY27 PAT ₹975 Cr vs ₹735 Cr a year ago; retail book ₹1,34,600 Cr; RoA 2.60%, consolidated GS3 2.75%.
By ScoutQuest · · 1 min read
- Q2FY27 Consolidated PAT
- ₹975 Cr vs ₹735 Cr a year ago
- Retail Book
- ₹1,34,600 Cr
- RoA / GS3
- RoA 2.60%, consolidated GS3 2.75%
- Period
- Q2 FY27
- Positioning
- L&T Finance describes itself as a 99% retailised, AAA-rated lender backed by L&T, with international ratings at par with India's sovereign rating.
📈 Q2FY27 consolidated PAT was ₹975 Cr against ₹735 Cr in Q2FY26 and ₹902 Cr in Q1FY27; RoA rose to 2.60% and NIMs to 8.88%. The retail book reached ₹1,34,600 Cr and the consolidated book ₹1,36,635 Cr.
📌 Asset quality was steady: consolidated GS3 2.75% and NS3 0.85% with PCR at 70%; retail GS3 2.43%. Rural group loan 0-90 DPD collection efficiency eased to 98.9% in September from 99.2% in April, while 0 DPD efficiency held near 99.7%.
🔬 Management states its Hercules agentic AI cross-sell platform launched Phase 1 in beta, with rural products to be added by mid-November 2026 and customer launch targeted for December 2026; the company says it expects significant disbursement scale-up from it by Q4FY27 and early FY28.
🌍 The company says its AAA domestic and investment-grade international ratings will let it tap global capital markets and diversify its liability franchise; CRAR stood at 19%.
Also from L&T Finance
Allotment of 1,50,000 Non-Convertible Debentures on private placement basis
21 Oct 2026
L&T Finance schedules Singapore & Hong Kong NDR with investors from October 26 to 30, 2026
19 Oct 2026
L&T Finance uploads audio recording of Q2FY2026-27 investor/analyst meet held October 16, 2026
16 Oct 2026
More numbers
- PAT, Q2 FY27975 (₹ Cr)
- PAT, Q2 FY26735 (₹ Cr)
- Retail Book, Q2 FY271,34,600 (₹ Cr)
- Consol Book, Q2 FY271,36,635 (₹ Cr)
- RoA, Q2 FY272.60%
- NIMs, Q2 FY278.88%
- Credit cost, Q2 FY272.46%
- Consolidated GS3, Q2FY272.75%
- Consolidated NS3, Q2FY270.85%
- Retail GS3, Q2FY272.43%
- CRAR, Q2 FY2719%
- Rural 0-90 DPD CE, Sep FY2798.9%
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