Retail disbursements for the quarter are estimated at about ₹24,080 crore, marking a growth of around 62% year-on-year compared with ₹14,899 crore in the corresponding quarter of the previous financial year.
The growth in disbursements was supported by expansion across key business segments, including rural business finance, farmer finance, urban finance and SME finance.
Rural business finance disbursements increased to ₹7,200 crore in the fourth quarter, compared with ₹5,114 crore a year earlier.
Farmer finance disbursements rose to ₹2,035 crore from ₹1,755 crore in the same period last year.
Urban finance saw a strong rise in disbursements to ₹9,840 crore, compared with ₹6,104 crore in the year-ago quarter.
SME finance disbursements also increased to ₹1,835 crore from ₹1,528 crore in the corresponding quarter of the previous year.
Gold finance contributed ₹2,775 crore to the overall retail disbursements during the quarter, while the acquired portfolio stood at ₹395 crore, largely stable compared with ₹398 crore in the same period last year.
For the full financial year ended March 31, 2026, retail disbursements are estimated at around ₹83,190 crore, representing a growth of about 39% compared with ₹60,040 crore in the previous financial year.
The company’s retail loan book stood at about ₹1,19,550 crore as of March 31, 2026, registering a growth of around 26% year-on-year from ₹95,180 crore as of March 31, 2025.
Retailisation of the loan book also improved during the period, rising to 98% as of March 31, 2026 from 97% in the corresponding quarter of the previous year.
The company noted that the figures are estimated and provisional and are subject to audit by the statutory auditors. Shares of L&T Finance declined on the BSE, closing at ₹240.45, down ₹4.05 or 1.66%.
