Q4FY25 Retail disbursements at ₹ 14,899 Cr vs. ₹ 15,044 Cr in the previous year, Secured disbursement growth led by Farmer Finance at 15% YoY, NIMs+Fees for Q4FY25 at 10.15% vs 10.33% for Q3FY25 primarily on account of book mix change, Consol. credit cost for Q4FY25 at 2.54% vs. 2.49% for Q3FY25, PAT for Q4FY25 at ₹ 636 Cr, growth of 15% YoY; RoA for Q4FY25 at 2.22%. FY25 Achieved highest ever annual RoA of 2.44% & highest ever annual PAT of ₹ 2,644 Cr. growth of 14% YoY. NIMs+Fees for FY25 at 10.59% vs 10.67% for FY24 on account of book mix change. Consol. credit cost for FY25 at 2.50% vs. 2.67% for FY24. LTF entered into Business Transfer Agreement with Paul Finance Pvt Ltd for the proposed acquisition of their gold Merchants loan business.