LTF

L&T Finance Holdings Ltd (LTF) is one of India’s leading Non-Banking Financial Companies (NBFCs) and a part of the Larsen & Toubro Group. It provides a wide range of retail and corporate financial services across urban and rural India. 📌 Company Overview Founded: 1994 Headquarters: Mumbai, Maharashtra, India Industry: Financial Services / NBFC Stock Listings: NSE & BSE (NSE: LTF | BSE: 532174) Promoter Group: Larsen & Toubro Group 💼 Key Business Segments LTF has transitioned into a retail-focused lending platform with diversified offerings: Rural Finance: Farm equipment loans, two-wheeler loans, micro loans, and housing finance in semi-urban and rural markets Housing Finance: Home loans and loans against property Personal Loans: Consumer and digital personal lending SME Finance: Loans to small and medium enterprises Wholesale / Infrastructure Finance: Legacy book, being gradually reduced 🏦 Business Model Focuses on retail lending growth supported by a strong physical branch network and digital platforms Uses data analytics and credit scoring models to manage risk and improve loan quality Funding through bank borrowings, bonds, and capital markets 📊 Market Position One of the largest diversified NBFCs in India Strong presence in rural and semi-urban financing, giving access to underpe