LT FINANCE Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 4,296 Crs., 21,53% growth YoY, Net Interest Income is Rs. 2,549 Crs., 31.73% growth YoY, PBT is Rs. 1,072 Crs., 33% growth YoY, Net profit is Rs.807 Crs., 26.89% growth YoY. On QoQ basis Interest Earned has achieved 4.53% growth, Net Interest Income has grown by 5.9%, PBT grown by 7.96%, PAT is grown by 6.18%. Retail disbursements for Q4FY26 stands at Rs. 24,107 Crore vs. Rs. 14,899 Crore in Q4FY25, growth of 62% YoY, Growth in secured disbursements led by Two-Wheeler Finance at Rs. 2,930 Crore growing 58% YoY, Gold Finance disbursements at Rs. 2,779 Crore in Q4FY26, Personal Loans disbursements grew 98% YoY to Rs. 3,786 Crore with increased focus on Big Tech Partnerships, Rural Business Finance disbursements increased 41% YoY and 7% QoQ, at Rs. 7,208 Crore Sequential improvement of 6bps in Net Interest Margin (NIMs) + Fees with NIMs + Fees for Q4FY26 at 10.47% vs. 10.41% in Q3FY26 Credit cost for Q4FY26 at 2.64% vs. 2.83% in Q3FY26 RoE increased from 10.13% in Q4FY25 to 11.71% in Q4FY26, RoA stood at 2.40% in Q4FY26 vs. 2.22% in Q4FY25, up 18 bps YoY.