L&t Finance Ltd · NSE:LTF
L&t Finance — Q2 FY27 Earnings Presentation
69 slides from L&t Finance's earnings presentation, Oct 15, 2026
Slide 1: Submission of investor / analyst presentation (exchange cover letter)
October 15, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Corporate Relations Department, Plot No. C/1, G Block, 1st Floor, New Trading Ring, Bandra - Kurla Complex, Bandra (East), P. J. Towers, Dalal Street, Mumbai - 400 051. Mumbai - 400 001. Symbol: LTF Security Code N
Slide 2: L&T Finance Investor Presentation Q2FY27
L&T FINANCE Investor Presentation Q2FY27
Slide 3: Disclaimer
Disclaimer L&T Finance Limited (the “Company”) offers a range of financial products and services under the L&T Finance (LTF) brand. The information provided in this presentation by the Company is for information purposes only. This presentation or any information herein shall not be used, reproduced
Slide 4: L&T Finance Pedigree & Position
L&T Finance Pedigree & Position Villages: Book: Ratings: ~2,00,000 ₹1,36,000 Cr+ Branches: Domestic: AAA 3,100+ Cities / Towns: Customer base: Intl: ‘BBB’ & ‘BBB-’ 450+ 3 Cr+ Retail Part Of Illustrious Presence across Granular Extensive Premium Upper Layer NBFC L&T Group Rural & Urban Retail Franchi
Slide 5: Our Operating Credo
Our Operating Credo Be a Risk-first, Tech-first AI-native Retail Financial Services Institution 4
Slide 6: Lakshya 2031: Accelerating the growth agenda
Lakshya 2031 Accelerating the growth agenda 5
Slide 7: Lakshya 2031 Goals
LAKSHYA 2031 GOALS Unveiled in April 2026 20%+ <2% 3.0% - 3.2% 16% - 18% BOOK GROWTH CREDIT COST ROA ROE Lakshya 2031 is the leap from Transformation to Delivery Early goal achievement should transition into sustained performance for the tenure of the plan 6
Slide 8: Lakshya 2031 Progress Report
Lakshya 2031 Progress Report LAKSHYA 2031 PARTICULARS GOALS Q4 FY26 Q1 FY27 Q2 FY27 (Remain Unchanged) Book Growth 20%+ 25% 27% 28% IN LINE Credit cost <2% 2.64% 2.54% 2.46% WIP RoA 3% - 3.2% 2.40% 2.48% 2.60% WIP RoE 16% - 18% 11.71% 12.71% 13.56% WIP 7
Slide 9: RoA & RoE Tracker
RoA & RoE Tracker PARTICULARS Q2 FY26 Q1 FY27 Q2 FY27 Book (₹ Cr) 1,07,096 1,29,634 1,36,635 Yields 14.62% 14.81% 14.76% NIMs+ Fees 10.22% 10.47% 10.48% Opex 4.05% 4.03% 4.08% Credit cost 2.98%* 2.54% 2.46% RoA 2.41% 2.48% 2.60% RoE 11.33% 12.71% 13.56% * Credit cost after macro utilization is 2.41%
Slide 10: Financial Snapshot – Q2FY27
Financial Snapshot – Q2FY27 DISBURSEMENTS NIMS+FEES ROA +27% YoY +26bps YoY +19bps YoY ₹ 24,027 Cr +1% QoQ 10.48% +1bp QoQ 2.60% +12bps QoQ BOOK PAT ROE +28% YoY +33% YoY +223bps YoY ₹ 1,36,635 Cr +5% QoQ ₹ 975 Cr +8% QoQ 13.56% +85bps QoQ 9
Slide 11: Deep Tech & AI powered execution – Foundation of Lakshya 2031
Deep Tech & AI powered execution – Foundation of Lakshya 2031 10
Slide 12: The Tech Multiplier
THE TECH MULTIPLIER Cutting-edge in-house AI & Deep Tech stack Native Engineering capability – 1,000+ Tech & Data Scientists Super-fast solutions development cycle 11
Slide 13: Proprietary Deep Tech AI Stack
Proprietary Deep Tech AI Stack Creating Intelligence with Applicative AI Branch Real time Intelligence and Learning Layer Acquisition Layer Portfolio Layer Open API & Microservice based architecture Unified Customer Experience Customer Consent & Verification FLS/DSA Unified customer data platform Pr
Slide 14: CYCLOPS: The underwriting core of the platform
CYCLΦPS The underwriting core of the platform Omni-product, omni-customer, next-generation underwriting engine running on a Gen-3 architecture WHAT IS C Y C L Φ P S WHAT IT CHANGES FEATURE SET • Consumes bureau, banking, payments, micro-geography,trust • Sharper customer selection signals, alternate
Slide 15: CYCLOPS: Two-Wheeler Successful Implementation
C Y C L Φ P S : Two-Wheeler Successful Implementation Seasoned C Y C L Φ P S Two-Wheeler portfolio indicators Sourcing Summary Delinquency indicators Pre Cyclops Cyclops 13% GNS (%) 8.5% Disbursements ₹ 2,621 Cr ₹ 3,170 Cr Pre-Cyclops Cyclops (Q1FY25) (Q2FY27) (Avg Q1FY25) (Avg Q2FY27) Avg IRR 17.6%
Slide 16: NOSTRADAMUS: Portfolio intelligence and augmented decisioning
NOSTRΔDΔMUS Portfolio intelligence and augmented decisioning N O S T R Δ D Δ M U S monitors the book after disbursement FEATURE SET WHAT IT CHANGES WHAT IS NOSTRΔDΔMUS • One Organisational view • Generates Early Warning Signals, collection actions, dashboards & • Automated Portfolio monitoring • Sta
Slide 17: Co-pilots – Democratising AI
CO-PILOTS – DEMOCRATISING AI Co-pilots speed and deepen human decisions across underwriting, fraud, service and collections HELIΦS ΦRIΦN SME, Home Loan & PL underwriting co-pilot Nostradamus portfolio-management co-pilot FLAGSHIP SEP 21 16 Banking analysis, bureau ~80,000 SENP 37 22 Conversational s
Slide 18: AI Citizen: Facilitating Tech DNA Upgrade
AI CITIZEN Facilitating Tech DNA Upgrade LAUNCHED "AI CITIZEN“, WITH GEMINI ENTERPRISE AGENT PLATFORM BUILD CUSTOM AGENTS THAT BOOST OPERATIONAL PRODUCTIVITY 1,200+ 21,000+ 5,000+ Employees Chat sessions Agents created Following exclusive leadership training, the "AI Citizen" initiative is expanding
Slide 19: Hercules: Agentic AI based cross-sell platform
HΞRCULΞΣ Agentic AI based cross-sell platform PHASE 1 LAUNCHED IN BETA | INVESTOR DEMO IN DEC 2026 @ • Hercules powered by New Lead Management System (LdMS) • LdMS live for upsell and cross sell across all Urban products; rural products will be introduced by mid-November 2026 Launched • Good early t
Slide 20: What will the proprietary tech & AI stack deliver?
What will the proprietary tech & AI stack deliver? SUSTAINED IMPROVED REDUCED GROWTH CREDIT OPEX AI & TECH @ LTF IS NOT A MEANS, IT IS A CORE OPERATING PHILOSOPHY 19
Slide 21: Lakshya 2031: Goal monitorables
Lakshya 2031 Goal monitorables 20
Slide 22: Book Growth @ L&T Finance
BOOK GROWTH @ L&T Finance
Slide 23: Disbursement increased by 27% on YoY basis
Disbursement increased by 27% on YoY basis ₹ in Cr DISBURSEMENTS 23,852 24,027 18,883 +27% YoY +1% QoQ Q2FY26 Q1FY27 Q2FY27 Rural Business Finance Farmer Finance Urban Finance 6,316 6,961 6,356 10,787 10,329 8,143 +1% YoY -1% YoY +27% YoY 1,654 2,453 1,643 -9% QoQ -33% QoQ -4% QoQ Q2FY26 Q1FY27 Q2FY
Slide 24: Book increased by 28% on YoY basis
Book increased by 28% on YoY basis ₹ in Cr BOOK 1,29,634 1,36,635 1,07,096 +28% YoY +5% QoQ Q2FY26 Q1FY27 Q2FY27 Rural Business Finance Farmer Finance Urban Finance 15,943 17,514 17,397 27,460 32,493 33,465 63,615 67,668 +22% YoY +9% YoY 51,298 +32% YoY +3% QoQ -1% QoQ +6% QoQ Q2FY26 Q1FY27 Q2FY27 Q
Slide 25: Growth in Distribution Network
Growth in Distribution Network Q2 FY26 Q1 FY26 Q2 FY27 Rural Group Loans & MFI New villages activated (nos.) 28,229 23,467 25,670 3 Cr+ Two Wheeler Finance Active sourcing points (nos.) 8,515 8,914 9,453 Customer Database Farm Equipment Finance Active sourcing points (nos.) 2,590 2,750 2,766 Persona
Slide 26: Credit Cost @ L&T Finance
CREDIT COST @ L&T Finance
Slide 27: RBF Collection Efficiency (1/3)
RBF Collection Efficiency (1/3) Trending at normalized levels RURAL BUSINESS FINANCE RURAL GROUP LOANS & MICRO FINANCE FY26 FY27 0 DPD CE % 0 DPD CE = POS of 0 DPD collected / POS of 0 DPD billed 99.8% 99.8% 99.8% 99.8% 99.7% 99.7% 100.00% 99.50% 104.00% 99.00% 102.00% RURAL 98.50% 98.00% 100.00% 97
Slide 28: Farmer Finance Collection Efficiency (2/3)
Farmer Finance Collection Efficiency (2/3) Robust pointers to a lowering delinquency Regular CE = cashflow received from 0 DPD customer for billing / billing of 0 DPD customer FY26 FY27 FARMER FINANCE FARM EQUIPMENT FINANCE RURAL 92.9% 93.7% 93.6% 92.3% 92.5% 91.1% 93.0% 92.4% 94.0% 93.5% 92.5% 93.8
Slide 29: Urban Collection Efficiency (3/3)
Urban Collection Efficiency (3/3) Trending at healthy levels Regular CE = cashflow received from 0 DPD customer for billing / billing of 0 DPD customer URBAN FY26 FY27 TWO WHEELER FINANCE PERSONAL LOANS HOME LOANS & LAP SME FINANCE DPD: Days Past Due | Charts not to scale 28
Slide 30: Improved Credit Quality Trends (1/3)
Improved Credit Quality Trends (1/3) RBF : Best-in-class delinquency levels Rural Group Loans & Micro Finance Basis rolling 12-month sourcing cohorts 98.7% 98.9% 98.4% 98.9% 98.8% 1,00,000 5+ Yrs ATS (in ₹) 80,000 3-5 Yrs On Due Date 60,000 vs Borrower 1-3 Yrs (ODD) CE % 40,000 Vintage 20,000 <1 Yrs
Slide 31: Improved Credit Quality Trends (2/3)
Improved Credit Quality Trends (2/3) Optimum LTV and ATS with industry leading delinquency levels Farm Equipment Finance Two Wheeler Finance 72% 77% 78% 78% 79% 80% 71% Basis rolling 12-month 71% 71% 71% 10.0 85% 74% 120 9.0 80% sourcing cohorts LTV LTV 72% LTV % 70% 8.0 7.0 LTV % 115K 75% 114K 114K
Slide 32: Improved Credit Quality Trends (3/3)
Improved Credit Quality Trends (3/3) Prudent LTV with industry leading delinquency levels Home Loans LAP 78 82 82 91 95 91 96 77 85 Basis rolling 12-month 120% 90 120% 100 71 80 90 sourcing cohorts 100% 100% ATS 70 ATS ATS 80 ATS 70 80% 60 80% (₹ in lacs) 50 LTV (₹ in lacs) 60 LTV & 60% 40 & 60% 50
Slide 33: Retail Asset Quality (1/3)
Retail Asset Quality (1/3) Normalised asset quality – Rural Group Loans & MFI Best-in-class 0 DPD portfolio and PAR trends vis-à-vis the Industry 0 DPD book Industry 87.2% 86.8% 87.4% 86.9% 83.5% 80.2% 78.9% 77.0% 75.2% 75.5% 77.9% 77.9% -NA- LTF 96.8% 97.1% 97.0% 96.8% 96.4% 95.8% 94.9% 95.1% 95.5%
Slide 34: Retail Asset Quality (2/3)
Retail Asset Quality (2/3) ‘0 DPD’ for our 3 fulcrum products RURAL GROUP LOANS & FARM EQUIPMENT FINANCE TWO WHEELER FINANCE MICRO FINANCE 96.3% 92.0% 87.8% 82.3% 83.8% 77.9% Industry LTF Industry LTF Industry LTF Industry figures are for the immediately preceding quarter reported as per CRIF Highma
Slide 35: Retail Asset Quality (3/3)
Retail Asset Quality (3/3) Stagewise assets & provision summary G Q2FY26 Q1FY27 Q2FY27 R Stage wise (in ₹ Cr) Q2FY26 (% of Total) Q1FY27 (% of Total) Q2FY27 (% of Total) O S S Stage 1 99,258 94.89% 1,22,353 95.94% 1,29,207 95.99% A Stage 2 2,296 2.20% 2,018 1.58% 2,127 1.58% S S Stage 3 3,053 2.92%
Slide 36: Maintained steady Retail and Consol Asset Quality
Maintained steady Retail and Consol Asset Quality Retail and Consol GS3 RETAIL - ASSET QUALITY CONSOLIDATED – ASSET QUALITY 72% 70% 71% 70% 69% 70% 5,000 4,950 4,900 13% 4,850 4,800 4,750 5,000 4,700 4,650 4,600 4,550 4,500 4,450 4,400 4,350 4,300 4,250 4,200 4,150 4,100 11% 4,500 4,050 4,000 3,950
Slide 37: Enhancing Risk Management
Enhancing Risk Management Initiated additional measures in RBF & SME businesses APPROACH TO MANAGING MULTI-DIMENSIONAL RISKS Maintaining conservative Retail PCR Avg (Q1FY23 to Q2FY27) : Stage 1 - 0.6% | Stage 2 – 17.2% | Stage 3 – 75% PCR through cycles Retail PCR (as of Q2FY27) : Stage 1 - 0.9% | S
Slide 38: Premium Liability Franchise – Strong Foundation for Lakshya 2031 Delivery
Premium Liability Franchise – Strong Foundation for Lakshya 2031 Delivery 37
Slide 39: Proactive Asset Liability Management
Proactive Asset Liability Management DIVERSIFIED LIABILITY MIX (%) WEIGHTED AVERAGE COST OF BORROWING (WACB) (%) 4% Bank Loan - Non-PSL 8% 2% 7% 7.80% 7.83% 23% Bank Loan - PSL 7% 8% 28% 7.50% 7.46% 7.35% 1% 1% FI Loan NCD Private FY22 FY23 FY24 FY25 FY26 22% 27% 27% 23% Retail NCD 7.80% 7.83% 7.84%
Slide 40: Prudent ALM - as on September 2026
Prudent ALM - as on September 2026 Structural Liquidity statement 92,748 Cumulative Inflows (₹. Cr) 60,883 Cumulative Outflows (₹. Cr) 52,410 37,280 30,164 29,957 23,426 17,408 18,729 16,139 6,703 10,830 2,274 2,638 1-7 days 8-14 days 14 days-1 month 1-2 months 2-3 months 3-6 months 6-12 months Cumu
Slide 41: Credit rating
Credit rating AAA credit rating – Domestic Rating Agencies Rating Agency Long-term / Short-term Rating of LTF Crisil Ratings, ICRA, CARE, India Ratings AAA / Stable / A1+ The ‘AAA’ rating is driven by LTF’s diversified business mix with strong presence across the financial services space, strategic
Slide 42: Annexures
ANNEXURES 41
Slide 43: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures 42
Slide 44: Granular and extensive distribution network
Granular and extensive distribution network Book Mix : Urban - 62% | Rural – 38% Rural Urban State Branches Branches 18 ~2,00,000 23 4 450+ Madhya Pradesh 114 61 States Villages States UT Cities / Towns Maharashtra 118 47 Uttar Pradesh 222 41 Gujarat 102 59 Karnataka 258 42 West Bengal 125 49 Andhra
Slide 45: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures 44
Slide 46: Historical Financial Performance
Historical Financial Performance Consolidated LTF Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retailisation 54% 58% 64% 75% 82% 88% 91% 94% 95% 96% 97% 97% 98% 98% 98% 98% 98% 99% NIMs 6.54% 6.90% 7.4
Slide 47: Lending Business – Business wise disbursement split
Lending Business – Business wise disbursement split Q2FY26 Particulars (₹ Cr ) Q1FY27 Q2FY27 Y-o-Y (%) 1,654 FARMER FINANCE 2,453 1,643 (1%) 1,654 Farm Equipment Finance 2,453 1,643 (1%) 6,316 RURAL BUSINESS FINANCE 6,961 6,356 1% 6,120 Rural Group Loans & Business Loans 6,600 5,981 (2%) 196 Micro L
Slide 48: Lending Business – Business wise book split
Lending Business – Business wise book split Q2FY26 Particulars (₹ Cr ) Q1FY26 Q2FY27 Y-o-Y (%) 15,943 FARMER FINANCE 17,514 17,397 9% 15,943 Farm Equipment Finance 17,514 17,397 9% 27,460 RURAL BUSINESS FINANCE 32,493 33,465 22% 26,617 Rural Group Loans & Business Loans 30,735 31,377 18% 843 Micro L
Slide 49: LTF Consolidated – Summary financial performance
LTF Consolidated – Summary financial performance Q2FY26 Particulars (₹ Cr ) Q1FY27 Q2FY27 Y-o-Y (%) 3,852 Interest Income 4,654 4,945 28% 1,634 Interest Expense 1,970 1,970 21% 2,218 NIM 2,684 2,975 34% 474 Fee & Other Income 605 537 13% 2,692 Total Income 3,289 3,512 30% 1,068 Operating Expense 1,2
Slide 50: LTF Consolidated – Summary financial performance
LTF Consolidated – Summary financial performance Q2FY26 Particulars (₹ Cr ) Q1FY27 Q2FY27 Y-o-Y (%) 1,07,096 Closing Book 1,29,634 1,36,635 28% 1,04,527 Average Book 1,26,074 1,32,909 27% 26,358 Networth 28,213 29,267 11% 105.4 Book Value per share (₹) 112.6 116.8 11% 2.9 Basic Earning per share (₹)
Slide 51: LTF Consolidated – Key Ratios
LTF Consolidated – Key Ratios Q2FY26 Particulars (₹ Cr ) Q1FY27 Q2FY27 14.62% Yield 14.81% 14.76% 8.42% Net Interest Margin 8.54% 8.88% 1.80% Fee & Other Income 1.93% 1.60% 10.22% NIM + Fee & Other Income 10.47% 10.48% 4.05% Operating Expenses 4.03% 4.08% 6.16% Earnings before credit cost 6.43% 6.40
Slide 52: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures Digital Update Sustainability (ESG & CSR) Board and Senior Management 51
Slide 53: App as a powerful digital channel for customer
App as a powerful digital channel for customer PLANET App Downloads (in nos. Cr) Collection (₹ Cr) 2,168 2.7 4.5x 11.4x 2.0 1,373 1.2 641 0.6 190 Sep'23 Sep'24 Sep'25 Sep'26 Q2FY24 Q2FY25 Q2FY26 Q2FY27 Servicing % Business (₹ Cr) 6.7x 94% 4.7x 5,934 88% 82% 3,955 2,027 47% 1,313 Q2FY24 Q2FY25 Q2FY26
Slide 54: Partner PLANET – Building a smarter Dealer ecosystem
App as a powerful digital channel for customer Partner PLANET – Building a smarter Dealer ecosystem Registrations Logins 41x 19,853 21x 51,433 43,954 12,371 6,114 20,752 483 2,008 Dec'25 Mar'26 Jun'26 Sep'26 Dec'25 Mar'26 Jun'26 Sep'26 Retail dashboard logins 6x 2,182 1,178 1,654 4.4 Rating 277 4.4
Slide 55: Digital delivery: Touching every part of the customer ecosystem
Digital delivery: Touching every part of the customer ecosystem Customer focused digital first approach in not only Urban but also in Rural 100% 100% 99% 44% 97% Paperless Journey in Rural Group Loans, Digital eNach Digital Digital 2W Finance, Disbursements Penetration Collections Collections Farm E
Slide 56: Marked improvement in Rural Digital collections over the years
Marked improvement in Rural Digital collections over the years 40% 38% 37% 35% 35% 27% 29% 21% 23% 23% 19% 10% Rural Group Loans 3% 3% 5% & Micro Finance Apr'23 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 71% 69% 67% 64% 61% 63% 63% 59% 53% 53% 4
Slide 57: Net Promoter Score
Net Promoter Score Investing in enriching customer experience to build brand loyalty LTF achieved an overall Net Promoter Score (NPS) of 60 56 57 59 69 68 70 Rural Group Loans & Farm Equipment Two Wheeler Personal Home Loans SME Micro Finance Finance Finance Loans & LAP Loans NPS in Rural Segments N
Slide 58: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures Digital Update Sustainability (ESG & CSR) Board and Senior Management 57
Slide 59: Businesses aligned with Sustainability goals
L&T Finance – Businesses aligned with Sustainability goals RURAL : ₹ 52,000 CR+ BOOK BUSINESS DEEPLY INTERTWINED WITH ESG SDG Linkage PAN-INDIA 2,200 + Branches Penetrating underserved GEO PRESENCE Reach Active customers across ~2,00,000 Villages geographies 28,000 + employees hired from Rural India
Slide 60: ESG: Building a Sustainable Future – Key Highlights
ESG : Building a Sustainable Future – Key Highlights Secured NSE Sustainability Rating & Analytics ESG Rating of 78, categorised as “Leader” Climate Engagement Social Engagement Stakeholder Engagement Enhanced renewable energy transition: Employee Volunteering: Purpose in Action: Contributed over 90
Slide 61: ESG: Building a Sustainable Future – Key Metrics
ESG : Building a Sustainable Future – Key Metrics ENVIRONMENT SOCIAL GOVERNANCE Diversity at Workplace: 8.1% female participation Convergence of Social Schemes: Customer Satisfaction: Rs. 88 Cr + 60 NPS Score Financial Inclusion of Community Stakeholder Workshops: Rural Communities: 39 7.4 lakh+ Sen
Slide 62: ESG: Building a Sustainable Future – Ratings
ESG : Building a Sustainable Future – Ratings NSE 78 (August 2026) Sustainability Ratings & Analytics CRISIL ESG Ratings 73 categorised as ‘Leadership’ (June 2026) & Analytics Performed in top decile in the FBN Diversified Financial Services and Capital Markets Industry in the S&P Global Corporate S
Slide 63: Corporate Social Responsibility
Corporate Social Responsibility Social Good, Uplifting the lives of Communities @ Scale New Initiative – Integrated Community Development Project (ICDP) Disaster Management Launched Integrated Community Development Project (ICDP) across five locations; East Relief kits distributed to 32,000+ familie
Slide 64: Meaningful CSR Impact
Meaningful CSR Impact Since FY18 States Districts Villages Overall Outreach Leading the way! 15 40 6,300+ 87.40 Lakh+ ISO 26000:2010 Social Responsibility Digital and Financial Inclusion Climate Impact Management Digital Sakhi Project Prakruti (Plantation) | Jalvaibhav 76 Lakh+ community outreach th
Slide 65: Corporate Social Responsibility: Communication & Recognition
Corporate Social Responsibility Communication & Recognition Communication Recognition 1 Global Fintech Award 1 Fintech for Good – Champions of ESG award Mahatma Awards 2026 2 Digital Transformation and Social Impact Brand India Summit 2026 (By Brand Honchos) 3 Most Impactful CSR Project of the Year-
Slide 66: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures Digital Update Sustainability (ESG & CSR) Board and Senior Management 65
Slide 67: Well experienced and diversified Board
Well experienced and diversified Board BOARD OF DIRECTORS S.N. Subrahmanyan, Non-Executive Director, Chairman Sudipta Roy, Managing Director & CEO o Current Chairman & Managing Director of Larsen and Toubro Limited. o 30 years of experience across multiple domains in BFSI such as Consumer/Retail o O
Slide 68: Management Committee
Management Committee Sudipta Roy Managing Director & CEO 30 yrs exp, ICICI Bank, Deutsche Bank, Citibank NA Raju Dodti Sonia Krishnankutty Sachinn Joshi Whole-time Director & COO CE – Rural Business Finance Whole-time Director & CFO 28 yrs exp, IDFC, Rabo, ABN 36 yrs exp, Aditya Birla Financial Amro
Slide 69: Thank You
S) L&T Finance Thank You