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As of 18 Sept 2026, 03:30 pm
On September 15, 2026, L&T Finance Limited confirmed the timely redemption and interest payments on three non-convertible debt securities. These payments amounted to ₹231.40 crore (ISIN INE027E08087), ₹12,640.00 crore (ISIN INE027E07CQ6), and ₹7,900.00 crore (ISIN INE498L07095). The company reported no changes in payment frequency or delays for these obligations.
As of September 18, 2026, L&T Finance Limited's stock exhibits a mixed technical trend. The daily trend indicates a bearish Supertrend direction with the closing price of ₹312.8 being below the Supertrend level of ₹322.74. However, the weekly trend shows a bullish Supertrend direction, with the closing price above the Supertrend level of ₹261.69. The monthly trend also indicates a bullish Supertrend direction.
L&T Finance Limited has scheduled investor meetings in September 2026. These include a JP Morgan Conference on September 21, 2026, and a Nuvama CEO Round Table on September 28, 2026, both taking place in Mumbai. These in-person events are intended to discuss the company's business performance and its 'Lakshya 2031' strategy with investors.
As of September 18, 2026, L&T Finance Limited's stock has shown varied performance across different timeframes. It has returned 26% over the last year and 16% over the last six months. In the shorter term, it has returned 9% over the last three months, but has seen a 4% decline in the last month and a 1% decline year-to-date.
As of 18 Sept 2026, 03:30 pm
Recent drawdown and price variability remain within the producer's contained-risk thresholds.
Primary driver: Price swings are higher than typical
The session opened materially below the previous close, indicating a sharp repricing at the open.
The price gap may increase short-term downside uncertainty and warrants review of the underlying context.
The session opened materially below the previous close, indicating a sharp repricing at the open.
The price gap may increase short-term downside uncertainty and warrants review of the underlying context.
Trading activity was substantially higher than usual and the price closed lower.
This may reflect stronger-than-usual market participation; follow-through and relevant company or market news merit review.
The session traded across a materially wider price range than usual.
Larger price swings can increase short-term uncertainty, especially if they continue.
Latest complete financial results for Q1 FY2027 and comparative quarterly trends.
| Metric | Q1 FY2026-27(Latest) | Q4 FY2025-26 | Q3 FY2025-26 | Q2 FY2025-26 | Q1 FY2025-26 |
|---|---|---|---|---|---|
| Interest Earned | PEAK₹4,894.91 crore | ₹4,424.03 crore | ₹4,240.07 crore | ₹4,037.41 crore | ₹3,914.50 crore |
| Revenue From Operations | PEAK₹5,243.31 crore | ₹4,771.03 crore | ₹4,578.27 crore | ₹4,335.75 crore | ₹4,259.57 crore |
| Expenses | PEAK₹4,007.03 crore | ₹3,697.18 crore | ₹3,560.81 crore | ₹3,346.93 crore | ₹3,316.38 crore |
| Profit Before Tax | PEAK₹1,236.28 crore | ₹1,073.92 crore | ₹992.17 crore | ₹988.86 crore | ₹943.22 crore |
| Profit Loss For Period | PEAK₹915.99 crore | ₹809.16 crore | ₹737.99 crore | ₹734.88 crore | ₹700.84 crore |
| Finance Costs | PEAK₹1,970.07 crore | ₹1,747.03 crore | ₹1,703.02 crore | ₹1,634.29 crore | ₹1,635.74 crore |
Interest earned, the main revenue driver, rose 25% year on year to ₹4,895 crore, up from ₹3,915 crore. Sequentially, interest income grew 10.6% from the March 2026 quarter, a faster rate than the 3–5% quarterly increases recorded across the preceding four quarters.
Total revenue from operations, which includes other income, followed a similar pattern—up 23% year on year and 9.9% sequentially.
Pre‑tax profit of ₹1,236 crore was 31% above the prior‑year quarter and 15% above the March quarter. The tax charge rose 32% to ₹320 crore, leaving the effective tax rate close to 26%.
Net profit after tax of ₹916 crore was 30.7% higher than a year ago and 13% above the March quarter. Basic earnings per share increased to ₹3.60 from ₹2.81 in the same quarter last year and ₹3.22 in the March quarter.
Exchange disclosures and regulatory announcements for L&T Finance.
On September 18, 2026, L&T Finance Limited allotted 65,000 senior, secured, non-convertible debentures (NCDs) with a face value of Rs. 1,00,000 each on a private placement basis, aggregating to Rs. 650 crores. The issuance was approved by the Board of Directors via resolution dated April 24, 2026, and disclosed to the stock exchange on that date. The paid-up share capital remained unchanged at Rs. 25,063,525,700 following the allotment.
On September 18, 2026, L&T Finance Limited allotted 65,000 senior, secured, rated, listed, redeemable, non-convertible debentures (NCDs) of face value Rs. 1,00,000 each, for an aggregate nominal value of Rs. 650 crore, on a private placement basis. The NCDs carry a coupon rate of 7.8384% p.a., mature on September 28, 2029, and are proposed to be listed on the NSE's Negotiated Trade Reporting Platform. The debentures are secured by a first-ranking charge over identified fixed deposits or standard receivables, with an additional interest of 2% p.a. payable in case of default.
On September 18, 2026, L&T Finance Limited allotted 65,000 senior, secured non-convertible debentures with a face value of Rs. 1,00,000 each on a private placement basis, raising an aggregate nominal value of Rs. 650 crores. The debentures carry a coupon rate of 7.8384% per annum and are scheduled to mature on September 28, 2029, with interest payments due annually starting September 28, 2027. These securities are proposed for listing on the National Stock Exchange of India's Negotiated Trade Reporting Platform and are secured by a first-ranking charge over identified fixed deposits and standard receivables.
L&T Finance Limited disclosed receiving an ESG rating of 79.15 (category: leader) from Niche Ninety Nine Capability and Certifications (OPC) Private Limited, a SEBI-registered ESG Rating Provider under Category II. The rating was noted on the provider's website and stock exchanges on September 17, 2026, at 6:51 p.m., with the disclosure made on September 18, 2026, under Regulation 30 of the SEBI Listing Regulations.
L&T Finance Limited notified the National Stock Exchange of India and BSE on September 18, 2026, regarding a scheduled investor meeting at the Citi India Financials Investor Forum 2026 on September 25, 2026. The event will be conducted in a virtual mode for institutional investors and analysts. The company confirmed that no unpublished price-sensitive information will be disclosed during the meeting.
L&T Finance Limited will participate in the Citi India Financials Investor Forum 2026 on September 25, 2026, as a virtual group meeting with multiple institutional investors to discuss its business performance and Lakshya 2031 strategy.
L&T Finance Limited has informed the Exchange about Analyst Meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
L&T Finance Limited scheduled investor meetings: a JP Morgan Conference on September 21, 2026, and a Nuvama CEO Round Table on September 28, 2026, both in Mumbai and in person, with no unpublished price sensitive information to be shared.
Recent market and company developments associated with L&T Finance.
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Like Shanghvi Finance, Tata Sons too paid off all its borrowings and applied to surrender its NBFC licence but didn't get a reprieve on listing from the RBI.
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Comprehensive Section Breakdown for L&T Finance
Strategic Vision: Retail credit origination and servicing for urban and rural customers.
• Leverages Larsen & Toubro's brand and senior leadership oversight.
• Operates a unified retail NBFC platform with shared capabilities.
• Utilises proprietary digital and AI tools for credit decisioning and customer engagement.
L&T Finance’s first quarter of FY2026‑27 delivered accelerating interest income growth and a wider gap between revenue growth and expense growth. Revenue from operations was ₹5,243 crore, up 23% from a year earlier, while total expenses rose 21% to ₹4,007 crore. Pre‑tax profit climbed 31% to ₹1,236 crore, and net profit after tax increased 30.7% to ₹916 crore. Basic earnings per share moved to ₹3.60 from ₹2.81.
Total expenses of ₹4,007 crore were 21% higher than a year ago and 8.4% above the March quarter.
Within that, finance costs rose 20% year on year to ₹1,970 crore. Because finance costs grew more slowly than interest earned, net interest income (interest earned minus finance costs) expanded 28% to ₹2,925 crore.
Impairment on financial instruments (credit loss provisions) was ₹583 crore, up 7.4% from the same quarter last year and 6.7% from the March quarter. As a proportion of interest earned, provisions fell to 11.9% from 13.9% a year earlier, meaning impairment charges grew at a slower pace than interest income.
Other expenses (operating costs) increased 11% year on year to ₹506 crore. As a percentage of revenue, they declined to 9.7% from 10.7% a year earlier, suggesting some operating leverage as the business expanded.
L&T Finance’s first quarter showed a clear acceleration in interest income compared with the preceding four quarters. Expenses grew more slowly than revenue across all major categories—finance costs, credit loss provisions, and other operating expenses—allowing net profit to rise 30.7% from a year earlier. The combination of higher net interest income, a lower provision‑to‑interest ratio, and a reduced other‑expenses‑to‑revenue ratio supported the profit improvement.
Category: Financial Services
Originates small, largely collateral-free group and individual loans for women entrepreneurs and rural micro-enterprises, using joint-liability-group structures and field-assisted origination.
Category: Financial Services
Finances agricultural equipment and related farm needs through OEM and dealer relationships, with digital and data-driven underwriting supporting dealership-led sales.
Category: Financial Services
Covers two-wheeler loans, unsecured personal loans, and mortgage products for salaried and self-employed customers in cities and larger towns.
Category: Financial Services
Provides working-capital and growth loans to small businesses and professionals, including specialised products and supply-chain financing.
Category: Financial Services
Offers short-tenor credit against pledged gold, extending the secured-retail product set.
Category: Financial Services
Distributes third-party life, health, and general insurance products.
Core Thesis: These lines reinforce one another commercially, with shared capabilities in digital customer origination, centralised underwriting, collections, and customer servicing.
• Digital Enablement: The company emphasises digital enablement across the loan lifecycle—sourcing, underwriting, disbursement, servicing, and collections. • Integrated Distribution: LTF combines physical and digital distribution channels, including field presence, OEM/dealer channels, direct-to-consumer digital channels, and fintech partnerships. • Proprietary Technology: LTF invests in proprietary digital and AI tools, such as Project Cyclops for credit underwriting and KAI for virtual advisory. • Customer-Centric Journeys: The strategy involves moving from product silos toward more customer-focused journeys while keeping risk management central.