L&T Finance Holdings Limited is a diversified non-banking financial company offering various financial products and services through its subsidiaries. The company's business segments are rural financing, housing financing, infrastructure financing and unfocused business. The rural finance segment consists of agricultural machinery finance, two-wheeler finance, microloans and consumer finance. The housing finance segment consists of housing loans, real estate loans and real estate financing. The Infrastructure Finance segment comprises the infrastructure business. The Unfocused business segment consists of structured corporate loans, debt capital markets, commercial vehicles, construction equipment financing, term loans for small and medium-sized enterprises (SMEs) and leasing agreements. It has approximately 197 branches across India. The company provides financial solutions to its clients across industries including rural, housing, infrastructure and mutual funds.