L&t Finance Ltd · NSE:LTF
L&t Finance — Investor Day (November 2025)
187 slides from L&t Finance's investor day presentation, Nov 6, 2025
Slide 1: Submission of investor / analyst presentation
November 06, 2025 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
Slide 2: Investor Digital Day: Tech Vision & Execution Roadmap
L&T FINANCE L&T FINANCE Investor Digital Day Tech Vision & Execution Roadmap
Slide 3: Disclaimer
Disclaimer L&T Finance Limited (formerly known as L&T Finance Holdings 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
Slide 4: Mr. Sudipta Roy, Managing Director & CEO
Mr. Sudipta Roy INTERNAL Managing Director & CEO L&T FINANCE With L&T Finance since : July, 2023 Total years of : 29 years experience Past Experience : ICICI Bank, Deutsche Bank, Citibank N.A. Educational : MBA - XLRI Jamshedpur Qualification B.Tech. (Hons.) - IIT Kharagpur 3
Slide 5: What did we achieve since we last met?
What did we achieve since we last met? 4
Slide 6: We accelerated our core businesses & added new growth engines
1. We accelerated our core businesses & added new growth engines Rural Business Finance Farmer Finance 42% 21% RETAIL FINANCE 2,169 Gold Loan Finance 1,528 994 1,204 39% New Oct'24 Oct'25 Business Oct'24 Oct'25 8,009 457 - 5,758 Urban Finance SME Finance Oct'24 Oct'25 49% 17% 3,697 Oct'24 Oct'25 2,4
Slide 7: We scaled our proprietary AI powered risk administration stack
2. We scaled our proprietary AI powered risk administration stack Project Cyclops ◆ Launched Beta version of Cyclops in TW. Conceptualization of Q1 Nostradamus FY25 1 Mn+ 55+ 75+ ◆ Cyclops extended to select Q2 Lines of code Algorithms Engineers & Data scientists dealerships in TW . FY25 ◆ 100% deal
Slide 8: We scaled up digital partnership disbursements to meaningful volumes
3. We scaled up digital partnership disbursements to meaningful volumes Q1 Q2 Q3 Q4 Q1 Q2 AI/ML Based FY25 FY25 FY25 FY25 FY26 FY26 offer model SaaS Stack for Launched in Launched Launched Ramped up Ramped up Launched LOS Home Loans & partnership partnership partnerships partnerships partnership Two
Slide 9: We started gold loans to introduce a high yield low risk product
4. We started gold loans to introduce a high yield low risk product Rationale for acquisition of Gold Loan Business ▪ LTF’s strategy to expand into high yield secured gold loans, market growing at CAGR of 20%+ ▪ ₹ ~17K crores of gold loans borrowed by existing micro loans customer, potential to enab
Slide 10: Planning & execution rigour have been the cornerstone of our delivery
Planning & execution rigour have been the cornerstone of our delivery 19% YoY growth in Oct’25 with Retail book over 1 lac Cr* | Retailisation @98% L&T FINANCE Sustained RoA @ 2.4%* despite headwinds across sectors Disbursement growth of 39% YoY from Oct’24 to Oct’25 Improved Oct’25 CE to 99.57% in
Slide 11: A day in LTF
© L&T Finance A day in LTF
Slide 12: Video – A Day at LTF
CONFIDENTIAL Video – A Day at LTF 11 11
Slide 13: Future proofing organization through conscious culture change
Future proofing organization through conscious culture change Credit Culture Growth Orientation Focus on right customer selection across distribution & Rigorous Long Range Planning exercise along support teams followed by rigorous portfolio review with granular review mechanisms instituted to proces
Slide 14: Let us hear what our employees & partners have to say about us
Let us hear what our employees & partners have to say about us 13
Slide 15: CONFIDENTIAL
CONFIDENTIAL 14 14
Slide 16: Our culture change initiatives are starting to pay dividends
Our culture change initiatives are starting to pay dividends Adoption of Cyclops by TW Product mindset developed within Distribution teams have started distribution team has led to market engineering teams has enabled focusing on risk calibrated share gain due to improved blitzscaling of technology
Slide 17: Accelerated culture change to speed up organisation transformation
Accelerated culture change to speed up organisation transformation Faster rollout of product variants Focus on AI & tech to allow us to cutting time to market leapfrog market share gain resistance Increased acquisition momentum of Continuously improving risk-cost existing lines of business at lower
Slide 18: Planning for the road ahead
Planning for the road ahead 17
Slide 19: Strong macro-economic fundamentals to drive industry credit growth
Strong macro-economic fundamentals to drive industry credit growth Demographic dividend & urbanization Fast emergence of Semi Urban and Large unmet MSME credit growth demand accelerating credit growth Rural geographies offers substantial growth opportunity Key Growth Drivers Key Growth Drivers Key G
Slide 20: Fully implemented India stack will turbo charge credit growth
Fully implemented India stack will turbo charge credit growth Functionality Core Impact 1.4Bn Digital ID enabling verified access to public and people enrolled Aadhaar Biometric Authentication private services 1.1Bn+ linked bank accounts Digital-first access to credit by facilitating credit 56 Lende
Slide 21: Engines powering LTF's future growth story
Engines powering LTF’s future growth story Depth of distribution Technology Platforms Our presence across rural & urban Modular neo tech stack with India will drive business growth in microservices API emerging markets & geographies FY27 focus on service intelligence,system resilience & Data & AI pe
Slide 22: Focused objectives for us in next 12 to 18 months
Focused objectives for us in next 12 to 18 months Announcement of Lakshya 31 goals in Q1FY27 Drive 20 – 25% risk calibrated AUM growth Achieve an RoA in the corridor of 2.8 – 3.0% by Q4FY27 Initiate & complete build of Service Intelligence layer Build an AI based next generation collection stack to
Slide 23: To become India's pre-eminent Risk first, Technology first retail financier
To become India's pre-eminent Risk first, Technology first, multi- product retail financier of choice 22
Slide 24: Mr. Ramesh Aithal, Chief Digital Officer
Mr. Ramesh Aithal INTERNAL Chief Digital Officer L&T FINANCE With L&T Finance : February, 2024 since Total years of : 28 years experience Past Experience : Elastic Search BV, Zenefits, Goldman Sachs, Ness Technologies, Citibank N.A. Educational : B.E. - NIT Surathkal Qualification 23
Slide 25: Where is the tech BFSI industry headed
INTERNAL Where is the tech BFSI industry headed... Agentic AI L&T FINANCE AI system that can accomplish a specific goal with limited supervision MULTI-STEP WORKFLOWS VOICE AND CONVERSATIONAL WITH AI-BASED AUTOMATION BANKING Systems that plan, execute and optimise Embedded into voice interfaces so us
Slide 26: Implementing Futuristic Digital Architecture – Vision 1.0
Implementing Futuristic Digital Architecture – Vision 1.0 Branch LEARNING LAYER Open API & Microservice based architecture L&T FINANCE FLS/DSA Acquisition Layer Portfolio Layer Unified Customer Experience Customer Consent & Verification Information Security Product Technology Customer Intelligence C
Slide 27: Implementing Futuristic Digital Architecture – Vision 2.0
Open API & Microservice based architecture External Marketplaces App Branch Website FLS/DSA Call Centre L&T FINANCE Social Media Customer Consent & Verification Bureau, Customer AA Intelligence Project Credit Cyclops Intelligence Acquisition Layer Product Technology Stack DATA INTELLIGENCE Nostrad-
Slide 28: Implementing Futuristic Digital Architecture – Vision 2.0
Implementing Futuristic Digital Architecture – Vision 2.0 Branch Real time Intelligence and Learning Layer Open API & Microservice based architecture L&T FINANCE FLS/DSA Acquisition Layer Acquisition layer Portfolio Layer Unified Customer Experience Customer Consent & Verification Product Technology
Slide 29: Product Launches
Accelerate business L&T FINANCE Gold Loans Embedded Finance 2.0 Product Launches New business acquisition A vast ecosystem of partners increasing the funnel Micro LAP Supply Chain Finance (RBF) (SME) New product launched for LAP loans Catering to the working capital for our rural customer requiremen
Slide 30: Gold loans: Acquired business to LTF
Gold loans: Acquired business to LTF Pre-Go live set up & Day 0 readiness L&T FINANCE Loan journey, Collections and D2C set up 100% regulatory and risk compliance 100% Connectivity for all branches One Time Code (OTC) Vault set up Employee transition and HRMS set up Multiple live-live Command 2000+
Slide 31: Embedded Finance 2.0
Embedded Finance 2.0 Value creation 7+ market place partners Disbursement L&T FINANCE onboarded in 6 months 10 increase → 2.5x 3 Mar'25 Sept'25 March'25 Sept'25 Deliverable tailored to each partner Engineered for faster partner onboarding API orchestration Credit policy Self testing frameworks: Modu
Slide 32: AI-ML based sales augmentation
Accelerate business L&T FINANCE AI-ML based sales augmentation Gold Loans Embedded Finance 2.0 AI-based Gold Loans product Embedded Finance 2.0 AI based outbound calling Product Launches launch outbound calling New business acquisition A vast ecosystem of partners Introduced Introduced AIAI voice vo
Slide 33: AI-based outbound calling
AI-based outbound calling Introduced AI voice agent for outbound calling L&T FINANCE for pre-qualified leads: Personal loans 80% Improved lead engagement TAT Real-time Dashboards Quick Lead Live performance metrics Filtering ✓ Human-like, dynamic Identify high-quality prospects quickly dialogue Para
Slide 34: Loan offer pod
Loan offer pod Maximize customer lifetime value by increasing product per customer L&TStatus FINANCE quo Upgraded process Impact Full end-to-end automation Live nudges to customers Largely manual Analytics Mart Real-time Offer Push/ Pull Augmented with Agentic AI Customer- Multi-product pre-approved
Slide 35: Credit decisioning – a dense ecosystem engineered for scale
Credit decisioning – a dense ecosystem engineered for scale, complexity and accuracy Event-Driven Industry & Cross- Cognitive Risk Layer Autonomous decision Microservices Entity Intelligence (AI + ML Models) layer L&T FINANCE Identity checks Score cards Unique ID Risk assessment Face match - 100% Li
Slide 36: Cyclops: Next gen credit underwriting engine
Cyclops Next gen credit underwriting engine L&T FINANCEThick file case processing Cyclops: Built strong, 1 Approved Banking / AA NA/Rej designed for volumes, Two-Wheeler (100% Live in Jan’25) velocity, variety and 2 Banking + credit score veracity Approved NA/Rej card Farm Finance (100% Live in Aug’
Slide 37: Implementing Futuristic Digital Architecture – Vision 2.0
Implementing Futuristic Digital Architecture – Vision 2.0 Branch Real time Intelligence and Learning Layer Open API & Microservice based architecture L&T FINANCE FLS/DSA Acquisition Layer Portfolio PortfolioLayer layer Unified Customer Experience Customer Consent & Verification Product Technology Ze
Slide 38: Full stack collection – AI based
Full stack collection – AI based Data & Analytics Allocation engine Optimized channels Command center 124 M DUS L&T FINANCE ⚠ Reminder: Upcoming EMI! Payment of Rs 43,000 is due on 5th May against your Personal Loan ending with 3434. Automated SMS Digital curricula Best-in-Class Journeys Collections
Slide 39: PLANET 3.0: Bigger, Better, Bolder
PLANET 3.0: Bigger, Better, Bolder L&T FINANCE Collections Servicing Smart, automated collection journeys delivering Delivering industry-best digital servicing with 230+ growth through digital nudges, predictive insights, options, enabling instant resolutions and enhancing and cost-efficient recover
Slide 40: PLANET 3.0: Cost-efficient collection engine
PLANET 3.0: Cost-efficient collection engine H1 FY26 120 Cr+ L&T FINANCE H1 FY25 High DPD collections 30% 22% 2X 54% 2% 20K+ 6% 1% Mandate swap 4% 43% 5% resolutions 15% 7% 11% 35 Cr + Charge collections Collections: ~1,200 Cr Collections: ~2,500 Cr Smart digital nudges and disciplined execution 39
Slide 41: PLANET 3.0: Industry best servicing
PLANET 3.0: Industry best servicing • Welcome Kit • Interest certificate • Welcome Letter Document Servicing channel distribution • SOA • Foreclosure report • Sanction Letter Servicing • RPS • NOC Kit and more….. L&T FINANCE IVR 2% Branch Advance Part 2% Payments EMI EMI payment Foreclosure Call Cen
Slide 42: PLANET 3.0: Force multiplying business volumes
PLANET 3.0: Force multiplying business volumes Accelerated growth 20 + Digital business journeys Smart Digital Enablers L&TCross-sell FINANCE & Up-sell (in Cr) Disb (₹ in Cr) Integrated Journeys 4X Personal Loan 1,400 2,500 20+ digital journeys seamlessly connect users across loan, payment, and serv
Slide 43: PLANET 3.0: Customer Engagement
PLANET 3.0: Customer Engagement Introducing 1st in industry conversational agent L&T FINANCE ‘1st in industry’ is basis an internal assessment of peer applications in the BFS sector available in the public domain 42
Slide 44: PLANET 3.0: Customer Engagement
PLANET 3.0: Customer Engagement Introducing 1st in industry conversational agent L&T FINANCE Voice agent capabilities Loan servicing and query User Experience handling Response time, acknowledgements, Existing & new loans language switching Multi-lingual Factual Interruptions capabilities Handling c
Slide 45: PLANET 3.0: Impacting the ecosystem
PLANET 3.0: Impacting the ecosystem L&T FINANCE Organization Customers Fintech ecosystem Partners 44
Slide 46: Introducing The All New Partner PLANET
Introducing The All New Partner PLANET 45
Slide 47: Personalized dashboard
Building a smarter dealer ecosystem Personalized dashboard 46
Slide 48: One step TA withdrawal
Building a smarter dealer ecosystem One step TA withdrawal 47
Slide 49: Comprehensive TA details
Building a smarter dealer ecosystem Comprehensive TA details 48
Slide 50: Real Time Retail dashboard
Building a smarter dealer ecosystem Real Time Retail dashboard 49
Slide 51: Complete Portfolio summary
Building a smarter dealer ecosystem Complete Portfolio summary When our partners win, we win 50
Slide 52: Implementing Futuristic Digital Architecture – Vision 2.0
Implementing Futuristic Digital Architecture – Vision 2.0 Branch Real time Intelligence and Learning Layer Open API & Microservice based architecture L&T FINANCE FLS/DSA Acquisition Layer Portfolio Layer Unified Customer Experience Customer Consent & Verification Product Technology Zero Trust Archit
Slide 53: Tech modernization for sustainable growth
Tech modernization for sustainable growth L&T FINANCE Product mindset Engineering Resilience Agentic AI 52
Slide 54: Tech modernization for sustainable growth
Tech modernization for sustainable growth L&T FINANCE Product mindset Engineering Resilience Agentic AI 53
Slide 55: Leveraging Agentic AI
INTERNAL Leveraging Agentic AI Document Intelligence Anomaly Detection, Fraud scores • Identity & fraud protection • Risk prediction, credit and sanction 1. CUSTOMER EXPERIENCE 3. PRODUCTIVITY 2. DECISION MAKING • Virtual Assistants, Servicing Agents • Product development • Product Offerings • Produ
Slide 56: Leveraging Agentic AI: Product development
Leveraging Agentic AI: Product development AI Test assist Launch Requirement creation Product requirement agent L&T FINANCE Standard software Testing Product design development process Infrastructure and Agentic workforce for AI code assist Product development legacy application architecture design
Slide 57: Leveraging Agentic AI: Production support
Leveraging Agentic AI: Production support L&T FINANCE 1 2 3 4 Predictive Intelligent scaling - Auto-remediation - Security intelligence monitoring - AI-driven capacity Agentic bots AI-based threat Detecting forecasting and executing predefined detection and inconsistencies in automated infra right-
Slide 58: Tech modernization for sustainable growth
Tech modernization for sustainable growth L&T FINANCE Product mindset Engineering Resilience Agentic AI 57
Slide 59: Product mindset
Product mindset Build products for strategic competitive advantage L&T FINANCE Full control and Data Security & Compliance Better end user experience Faster Go-to- market customization Cyclops Multibureau Loan offer pod API factory Dockerized rule engine BRAKE App Consent framework Nostradamus 58
Slide 60: Tech modernization for sustainable growth
Tech modernization for sustainable growth L&T FINANCE Product mindset Engineering Resilience Agentic AI 59
Slide 61: Global tech outages news
Age MARKETS BUSINESS INVESTING TECH POLITICS VIDEO INVESTING CLUB” PRO" © LIVESTREAM = GNNBusiness Markets Tech Media Calculators Videos UPDATED SAT, JUL 20 2024 «9:50 PM EDT Microsoft-CrowdStrike issue causes Business / Tech New Technology Tech News Tech Tips Mobiles & Tabs Hack Of Day AI News 7 “—
Slide 62: Resilience @Scale
Resilience @Scale Observability Compute & scalability L&T FINANCE • 100% Customers application on • Real-time APM, AI-driven Anomaly cloud Detection for proactive alerting • On demand resource • 70% incidents prevented before provisioning impact • Auto scaling to handle peak transaction loads Always
Slide 63: Resilience @Scale
Resilience @Scale Cyclops dashboard L&T FINANCE Infra dashboard Nostradamus dashboard GKE dash oard Sourcing stagewise tracking Services dashboard 62
Slide 64: Resilience @Scale
Resilience @Scale L&T FINANCE Increased deployment Increased overall API Reduced user support Reduced disaster throughput calls tickets recovery time 2.5x 2.5x 2.1x 2x H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 63
Slide 65: Resilience @Scale - Cyclops
Resilience @Scale - Cyclops Model wise Average Latency (ms) Transactions/ month (#API calls) (API call in lacs) 22.34 2.8x increase in 7 months L&T FINANCE 714 15.04 9.87 9.89 10.70 8.03 8.42 227 54 46 Payment model Geo model 1 Banking model Geo model 2 Apr'25 May'25 Jun'25 Jul'25 Aug'25 Sept'25 Oct
Slide 66: Cyclops doesn't BLINK
INTERNAL Cyclops doesn’t BLINK Engineered for Zero Downtime 65
Slide 67: Looking ahead
Looking ahead Re-engineer business workflows for scale through innovation in architecture, 1 automation, and digital design Strengthen the AI-driven collections stack for intelligent, automated, and insight- 2 led recoveries Advancing toward an AI-led service ecosystem that anticipates needs, 3 pers
Slide 68: Dr. Debarag Banerjee, Chief AI & Data Officer
Dr. Debarag Banerjee INTERNAL Chief AI & Data Officer L&T FINANCE With L&T Finance : April, 2024 since Total years of : 25+ years experience Past Experience : Agoda, Flipkart, Jio, Intel Educational : Ph.D. in AI - Stanford University, Qualification MS - University of Tennessee, B.Tech (Hons.) - IIT
Slide 69: AI: Improving ROA and Market Growth
AI: Improving ROA and Market Growth Cyclops Cyclops ROA ROA Cyclops ROA ROA Nostradamus Nostradamus Credit Credit Cost Optimized LTV Cost Credit Cost Onboarding Yield Agentic AI Collection cost Collection cost Operating Growth cost Prime Segment Cost of funds 68
Slide 70: Agenda
01 Cyclops 02 Nostradamus Agenda 03 Agentic AI 04 Data Governance 69
Slide 71: Agenda
01 Cyclops 02 Nostradamus Agenda 03 Agentic AI 04 Data Governance 70
Slide 72: Next Gen Underwriting – Two-Wheeler Cyclops
INTERNAL Next Gen Underwriting – Two-Wheeler (TW) Cyclops TW Cyclops 1.0 TW Cyclops 1.5 TW Cyclops 2.0 Raw Data ML Model Ensemble Models Additional Features Addition of New Credit Bureau Model External Data sources Credit History Bureau + Banking Segment 1 Bank Statements Bureau + Banking Model Paym
Slide 73: Cyclops 3.0 to Incorporate Shikhandi (Mule) Model
INTERNAL Cyclops 3.0 to Incorporate Shikhandi (Mule) Model How we are catching a Shikhandi (mule)? Probability of default appears Low but is actually High Borrower on File Actual Buyer Lender (LTF) (Good Credit) (Bad Credit) Mule Customer Predicts if the Applicant is a Mule Probability to default Ca
Slide 74: Taking Cyclops to Production: Collaboration
INTERNAL Taking Cyclops to Production: Collaboration Develops analytical models to enhance underwriting Decision Science decisions by leveraging customer data Combining Business rules Ensures models are accurate, reliable, with ML models to decide Credit Model Risk and used appropriately by identify
Slide 75: AI is at the forefront of the innovation initiatives at LTF
INTERNAL AI is at the forefront of the innovation initiatives at LTF LTF in AI 2024 AI Team AI Systems AI Initiatives AI Community • Analytics team (72) • Nascent Cloud • Cyclops in planning • No tech branding Before • No AI team • Only Gemini 1.5 • Data was part of IT • Adhoc tools • Basic AI promp
Slide 76: Two-Wheeler Cyclops-Beyond Deployment: Evaluate, Improve & Evolve
INTERNAL Two-Wheeler Cyclops-Beyond Deployment: Evaluate, Improve & Evolve Closure of 1st Live Live Book Live Cyclops 1.5 (All Dealers) Cyclops 2.0 Actual Realisation Live (55 Dealers) Go Live Live (25 Dealers) Multiple Version Early Idea Cyclops 1.0 (5 Dealers) Development Nov ‘23 July ‘24 Aug ‘24
Slide 77: Two-Wheeler Cyclops Performance: Measuring the AI impact
Two-Wheeler Cyclops Performance: Measuring the AI impact Subsequent releases of Cyclops improved Two-Wheeler Portfolio; Cyclops V2 likely to cut credit costs by more than half Gross Non-Starter (GNS*%) Borrowers who are 30+ Days Past Due (DPD) V1 100% Live V2 Launch Percentage of Portfolio + 63% of
Slide 78: Expanding Cyclops Engine to the Farm Business
Expanding Cyclops Engine to the Farm Business Geographical, Satellite & Meteorological data improves delinquency prediction of tractor loans Red & Black Desert Temperature Rainfall Bureau Model 28.8 7 142.34 959.70 Agro Model 18.02 75.21 689.20 Alluvia l Temperature • Account type • 22.8 28.57 33.8
Slide 79: Farm Cyclops: Growing A/B Experiment; Promising Early Indicators
Farm Cyclops: Growing A/B Experiment; Promising Early Indicators Next Gen Underwriting engine for Farmer Finance customer Cyclops NNS* Trends Farm Cyclops A/B Experiment 100% 90% 80% 70% 60% 8X NNS* fall in 50% Cyclops vs non- Cyclops 40% Expanding Cyclops 30% 20% 10% 0% Jan'25 Feb'25 Mar'25 Apr'25
Slide 80: Cyclops Disbursed Cases Continue to Increase
Cyclops Disbursed Cases Continue to Increase TW Cyclops - # Disbursed Loans SME Cyclops - # Disbursed Cases 1400 160000 140000 Total Disbursement cases 1200 120000 for TW Cyclops: Approx. 9L Total Disbursement cases 1000 for SME Cyclops: Near 3K 100000 80000 800 60000 600 40000 400 20000 0 200 0 Jun
Slide 81: Agenda
01 Cyclops 02 Nostradamus Agenda 03 Agentic AI 04 Data Governance 80
Slide 82: Project Nostradamus: AI Based Portfolio Monitoring
Project Nostradamus: AI Based Portfolio Monitoring Inspiration Behind Nostradamus: Events in the customer life post loan disbursements, highly impact their financial behavior Prime Customer ₹ 20 Lakh LAP ₹ 75 Lakh Credit Card HL ₹ 25 Lakh SME Loan Car Loan ₹ 10 Lakh PL ₹ 1.2 Lakh Customer Applicatio
Slide 83: Nostradamus in Action
Nostradamus in Action Predicts Early Warning Signals & monitors customer behavior using economic indicators, industry patterns, prevailing trust signals and customer data Output Internal Data Financial Data • Customer’s • Bureau Data internal LTF loan • Banking Data Nostradamus AI Engine & Dashboard
Slide 84: Nostradamus Insight: TW portfolio performance @ PAN India
Nostradamus Insight: TW portfolio performance @ PAN India Data is for illustrative purpose & for selected geographies only 30+ 6 MOB has improved in last 12 months by 221 bps (Cyclops impact) 83 Good Emerging risk Critical Attention
Slide 85: Nostradamus Insight: Single district for deep dive (Coimbatore)
Nostradamus Insight: Single district for deep dive (Coimbatore) In Coimbatore district, the 30+ in 12MOB has improved by 388 points Opportunity to improve business in Coimbatore district with Platinum dealers; The Bronze dealers are doing better 84
Slide 86: Project Orion - Nostradamus Copilot: Empowering Credit Team
Project Orion - Nostradamus Copilot: Empowering Credit Team Next-Generation AI Conversational Assistant for Portfolio Monitoring System Key Highlights Conversational Intelligence Understands Context, intent, and nuance; human-like interactions Real-Time Awareness Tracks live portfolio performance &
Slide 87: Cyclops & Nostradamus for Optimized Decision Making
Cyclops & Nostradamus for Optimized Decision Making Cyclops Cyclops Data (Internal & Onboarding Underwriting External) decision Models Disbursement Portfolio Automated Actions Nostradamus New Data Sources Nostradamus Self serve Actions CoPilot Nostradamus Dashboards Quantum Nostradamus Engine Optimi
Slide 88: Agenda
01 Cyclops 02 Nostradamus Agenda 03 Agentic AI 04 Data Governance 87
Slide 89: Project Helios - Underwriting AI Co-Pilot: Enabling Underwriters
Project Helios - Underwriting AI Co-Pilot: Enabling Underwriters Agentic AI that eenables SME underwriters make faster, consistent, and accurate decisions Input Co-pilot Impact Customer Bureau Consumer Bureau Insights Automated Deviation • TAT Reduction & • Enhanced Accuracy • Standardized Decision
Slide 90: KAI - Knowledgable AI
KAI - Knowledgable AI Conversational Agentic AI expert for loan sourcing, servicing, advisory and assistance I need a New Loan My Loan Services 89
Slide 91: KAI: Multi-lingual AI assistance for every customer
KAI: Multi-lingual AI assistance for every customer, everywhere Supporting 11+ languages: English, Hindi, Marathi, Gujarati, Bangla, Tamil, Telegu, Malayalam, Odia, Kannada, Assamese INTERNAL 90
Slide 92: Agentic AI: AI Generated Collection Calls
Agentic AI: AI Generated Collection Calls Hindi Marathi Multilingual English, Hindi, Kannada, Tamil, Telugu, Marathi, Gujarati, Odia, Bengali, Malayalam, and Assamese Integrated (Real-time) SMS, WhatsApp, Payment system, CRM PL Collections Sept’25 Deployments expected in next 12 months Zone EMI Coll
Slide 93: GenAI for Rural Micro-LAP customer Lead Qualification
GenAI for Rural Micro-LAP customer Lead Qualification Gen AI solution integrated for pre lead qualification while Rural Micro-LAP customer oonboarding Pursue • Prompt Engineering • Multi-shot Learning • GenAI based Ratings • Lead Management Skip • System integration Customer is given an online Image
Slide 94: GenAI to Better Assess Value of Repossessed Tractors
GenAI to Better Assess Value of Repossessed Tractors Gen AI is prompted with set of tractor images from yard to assess the vehicle condition Tractor condition work illustration with ratings Poor Average Good The tractor condition has 12% contribution in asset pricing equation 93
Slide 95: Gold Vault Surveillance
Gold Vault Surveillance Automatically detects and alerts for suspicious activities in Gold Loan branches Operations Assets Process Monitoring ~130 branches across Over 2000+ CCTV Control Command Centre 24/7 continuous India Cameras in Kalina & Chandigarh monitoring CCTV Surveillance camera footages
Slide 96: Democratizing AI: Empowering Every Employee with GenAI
Democratizing AI: Empowering Every Employee with GenAI Internal AI democratization initiative to equip all employees with the skills to use Generative AI in their daily work, driving company-wide productivity and innovation. 01 02 03 04 Enable Contest Evaluate Scale F Tech Seminars Launch AI contest
Slide 97: Agenda
01 Cyclops 02 Nostradamus Agenda 03 Agentic AI 04 Data Governance 96
Slide 98: DATA - The fuel for AI
DATA - The fuel for AI To ensure our data ecosystem is standardized, discoverable, and governed from the source by improving visibility, efficiency and reducing operational risk. Data Mart Layer Application Layer Internal Cyclops • Sourcing • Collections Sourcing • Disposition • Planet • Enterprise
Slide 99: Ms. Sonia Krishnankutty, Chief Executive – Rural Business Finance
Ms. Sonia Krishnankutty INTERNAL Chief Executive – Rural Business Finance L&T FINANCE With L&T Finance : June, 2008 since Total years of : 26 years experience Past Experience : Bank of Baroda Educational : MBA – XLRI Jamshedpur Qualification PG – Kerala University 98
Slide 100: Building on a resilient rural business franchise
INTERNAL Building on a resilient rural business franchise Where are we today? JLG Portfolio Strong Credit Discipline & 26,000+ Cr Book 60 lac+ customers Pan India rural presence Collections track record Scale achieved through deep rural presence and customer connect 99
Slide 101: Building on a resilient rural business franchise
Building on a resilient rural business franchise What are we building on? JLG Micro Portfolio LAP 26,000+ Cr Book 2 lac Cr Industry size* 60 lac+ customers Targeting micro entrepreneurs Strong upsell opportunity on Pan India rural presence JLG customer base Strong Credit Discipline & Higher income C
Slide 102: High quality rural franchise built over the past 17 years
High quality rural franchise built over the past 17 years LTF Presence Growth Trajectory empowered through Digital tech driven credit calibrated framework 26, 500 Book (Cr.) PB 21, 500 HR 16, 500 RJ UP 24,673 25,838 26,617 AS 11, 500 BH 18,693 GJ 12,476 12,495 12,207 13,278 WB 6,5 00 MP 7,549 CG OR
Slide 103: Calibrated geo-expansion driven by market share
Calibrated geo-expansion driven by market share LTF Presence Growth Trajectory empowered through Digital tech driven credit calibrated framework 8.5 0% Market Share 7.5 0% PB 6.5 0% HR 5.5 0% 4.5 0% RJ UP BH AS 7.6% 6.6% 6.8% 3.5 0% 5.5% 5.3% 5.5% 5.6% MP WB 2.5 0% 4.8% 4.8% GJ 1.5 0% CG 0.5 0% MH O
Slide 104: Driving growth & efficiencies through data & technology
Driving growth & efficiencies through data & technology Disbursement & Productivity 100% digital journey through home-grown custom LOS and in house digital application Data entry Credit Check Disbursement QR Code / Digilocker based Rule based Penny-fuzzy check for KYC validation Internal dedupe chec
Slide 105: Driving growth & efficiencies through data & technology
Driving growth & efficiencies through data & technology Collections and Portfolio Management Collection Performance and Tracking 99.5% Regular CE Automated route maps for Real time 100% mandate Account Aggregator for field efficiency Receipting registration for MLAP consolidated banking data 96% 0 D
Slide 106: Capitalizing on Data and AI for efficiency enhancement
Capitalizing on Data and AI for efficiency enhancement Use of real-time alerts of customer bureau Leveraging AI Capabilities inquires for lead generation Customer Identification ML based repeat propensity model Geo expansion Customer lifestyle index AI Based lifestyle index Customer Identifying area
Slide 107: Business Update
Business Update 106
Slide 108: Conservative sourcing norms resulting in resilient portfolio mix
Conservative sourcing norms resulting in resilient portfolio mix Association-wise split of portfolio 48% 49% 45% 43% 41% LTF + >=3 sharply reduced from 17% to 4% over last 5 quarters 38% 29% 30% 30% 26% 27% 28% 18% 18% 18% 18% 18% 17% 10% 8% 7% 6% 7% 5% 4% 3% 3% 2% 1% 1% LTF Only LTF + 1 LTF + 2 LTF
Slide 109: Robust collection performance through challenging times
Robust collection performance through challenging times Collection Efficiency Trend 0 DPD CE 0-90 DPD CE 99.3% 99.4% 99.4% 99.4% 99.4% 99.4% 99.5% 99.5% 99.5% 99.6% 99.3% 99.3% 99.0% 98.1% 98.2% 98.3% 97.9% 97.9% 97.9% 97.9% 98.0% 97.6% 97.6% 97.8% 97.5% 97.5% Oct'24 Nov'24 Dec'24 Jan'25 Feb'25 Mar’
Slide 110: Business momentum regained amidst Industry headwinds
Business momentum regained amidst Industry headwinds Monthly Disbursement Trend (Cr) 2,072 2,061 2,083 1,989 1,853 1,812 1,801 1,781 1,559 1,586 1,555 1,490 1,409 Oct'24 Nov'24 Dec'24 Jan'25 Feb'25 Mar’25 Apr’25 May’25 Jun’25 Jul’25 Aug'25 Sep'25 Oct'25 Sustained AUM during adverse market conditions
Slide 111: Building a secured Micro LAP portfolio
Building a secured Micro LAP portfolio Phase 1 Book Growth (Cr) Phase 2 843 654 5,460 Cr 482 PB 316 4,766 Cr HR 178 43 92 16,007 Cr 11 RJ UP 18,823 Cr Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 BH Quarterly Disbursement Trend (Cr) GJ MP JH WB 207 10,587 Cr 172 172 8,733 Cr OR CG 141 MH
Slide 112: Moving towards a diversified sustainable business model
Moving towards a diversified sustainable business model JLG ❖ Deep Penetration Micro Portfolio LAP ❖ Strong Connect ❖ Resilient Performance 2 lac Cr Industry size* 26,000+ Cr Book Targeting micro 60 lac+ customers entrepreneurs Strong upsell opportunity Pan India rural presence ❖ Secured product on
Slide 113: Mr. Asheesh Goel, Chief Executive – Farmer Finance
Mr. Asheesh Goel INTERNAL Chief Executive – Farmer Finance L&T FINANCE With L&T Finance since : April, 2019 Total years of experience : 31 years Past Experience : Citi, Aditya Birla Finance Educational Qualification : Chartered Accountant 112
Slide 114: Farmer Finance: Business Overview
Farmer Finance : Business Overview How does FY26 looks so far Sourcing Quality Industry Rainfall Water Reservoir Rabi Harvest Kharif Sowing Indexed representation of Farm Net Non-Starters (NNS) % 159% 135% 100% 99% 8% 19% 0.6% 85% 5% 75% 75% 64% 58% 55% 50% 43% 39% 45% 38% 38% 43% 40% 35% LTF Apr-24
Slide 115: Farmer Finance: Collection Overview
Farmer Finance : Collection Overview Key Drivers Collection Performance E-NACH Penetration (%) E-NACH Clearance (%) CD CE (%) 93.0% 92.2% 92.4% 92.1% 91.4% ▲28% ▲4% 89.8% 91.8% 72% 91.1% 91.5% 88% 90.7% 90.8% 68% 60% 88.4% Apr May Jun Jul Aug Sep H1FY25 H1FY26 H1FY25 H1FY26 FY25 FY26 Bankable (%) Cl
Slide 116: Farmer Finance: Early Impact of Cyclops
Farmer Finance : Early Impact of Cyclops Objectives Personalized Offerings ` Optimized TAT Enhanced Quality Personalised Offerings Optimised TAT Enhanced Quality Apr’25 Apr’25 GNS Sep’25 Pool (#) 6123 1818 8% 2% Cyclops 16% 19% Dealers 1396 300 GNS (#) STP LTV (%) 66.7% 81% NSTP 90% 6% 23% 17% Ticke
Slide 117: Farmer Finance: Automating dealer interface
Farmer Finance : Automating dealer interface Objectives One-Stop Shop for Dealers Transparency ` & Control Ease of doing Business Launch of Partner Planet App 116
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Slide 119: Farmer Finance: Automating dealer interface
Farmer Finance : Automating dealer interface Objectives One-Stop Shop for Dealers Transparency ` & Control Ease of doing Business Launch of Partner Planet App Key Features Impact On-the-go TA Withdrawals Disbursement in 20 minutes TA disbursement increase by 25% Seamless limit enhancement and renewa
Slide 120: Farmer Finance: Traditional to Digital Collections
Farmer Finance : Traditional to Digital Collections Objectives Unified Field Collection Platform Optimize ` Field Force Efficiency Improved Litigation Management Novel Initiatives in Digital Collections Journey Key Features Impact Brake Collections Universe App & Web Portal Flexible & Integrated Sim
Slide 121: Farmer Finance: Leveraging Data & Analytics in Collections Strategy
Farmer Finance : Leveraging Data & Analytics in Collections Strategy Objectives Pre-Emptive & personalized Collection Efforts ` Right Customer - Right Channel - Right Time Data & Analytics led collection strategy Key Features Impact Bureau Customer Risk Scalable Versatile Integrated Decile Scores LT
Slide 122: Mr. Jinesh Shah, Chief Executive – Urban Secured Assets
Mr. Jinesh Shah INTERNAL Chief Executive – Urban Secured Assets & Third Party Products L&T FINANCE With L&T Finance : February, 2025 since Total years of : 30 years experience Past Experience : Standard Chartered Bank, ICICI Bank, HSBC, Citibank NA, GE Countrywide Educational : MMS - Welingkar Insti
Slide 123: Urban Secured Finance: Portfolio at a Glance
Urban Secured Finance: Portfolio at a Glance Disbursement (Cr.) CAGR Customer 36% ~87 Lacs H1 FY26 Franchise 18,868 Mortgage : 54% 16,130 11,840 10,134 7,483 TW : 46% Yields Range Average tenure % (Months) FY22 FY23 FY24 FY25 H1FY26 Mortgage : 7.75+ Mortgage : 228 Book (Cr.) TW : 14% - 20% TW : 28 C
Slide 124: Two Wheeler Loans
gv o S w i oe] = o Fe by -Two Wheeler-Loans > +
Slide 125: Two-Wheeler Finance - Overview
Two-Wheeler Finance - Overview Major highlights The Upgrade: From traditional underwriting to CYCLOPS Unwavering Benchmarks Book 5,100 8,700 • 63% of current book is 10+ years of 100% Digital Cr Cr through Cyclops (~13,800 Cr.) ~20 Lacs vintage Journey Active count Pre Post of customers; ~9 lacs on
Slide 126: Cyclops Journey: Last 12 months performance
Cyclops Journey: Last 12 months performance Initial Launch LTV Recalibration Sourcing quality • Go Live with CUG dealers • Recalibration of model • 100% dealers in cyclops Jun’24 Oct’24 Dec’24 • Approval rate monitoring Offerings based on early • Prime definition basis • Performance monitoring & Ind
Slide 127: Cyclops – Enabling holistic value realization across networks
Cyclops – Enabling holistic value realization across networks Pre Post Pre Post KEY Improved GNS & Bounce % STAKEHOLDERS Banking Mix 21% 63% Bounce 20.6% 12.2% Substantial Risk mitigation GNS 11.6% 7.2% 0 DPD CE 98.0% 99.1% Direct channels leading to low cost CHANNEL Differential rates & LTV PARTNER
Slide 128: Collection Transformation
Collection Transformation Focus on Collections is creating sustained P&L impact Book Size Bucket Shrinkage (Indexed) Personalized Digital Bionic Personalized 100% Treatment Collections Contact Center Treatment X Bkt. 91% 88% 87% Intense pre- GenAI bot- 84% 84% 84% Bounce Prediction Performance based
Slide 129: Other strategic digital levers for portfolio resilience and growth
Other strategic digital levers for portfolio resilience and growth QR Journey Festive Project Schemes Nostradamus QR based instant bureau NO Cost EMI Next-gen portfolio sanction offers for EMI Lite Scheme governance engine for customers Prompt Payment Rebate early risk management OEM Pre-Approved De
Slide 130: INTERNAL
INTERNAL 129
Slide 131: Overall benefits: Driving & Creating business & cost efficiencies
Overall benefits: Driving & Creating business & cost efficiencies Login (# in Lacs) Disbursement (INR Cr.) 0 DPD CE% Self-Cure (Indexed) 5% 5% 2.8x 2,393 2,512 280% 7.1 7.5 98.7% 98.0% 100% Q2FY25 Q2FY26 Q2FY25 Q2FY26 Sep 24 Oct 25 Sep 24 Oct 25 Increasing trend in Login & Disbursement Substantial g
Slide 132: Mortgage Loans
HOME LOANS Mortgage Loans 131
Slide 133: Mortgage – Business Overview
Mortgage – Business Overview Major Highlights Comparative Advantages & Driving Factors Growing share in NBFC/HFC : Book* Strong Strengthened distribution : Vintage of NCR(~6%), Gujarat (~10%), Footprint 44 Cities; 19 new spoke locations >10 years Mumbai (~15%) with 27,784 Cr. Pristine Focus on Prime
Slide 134: Moving up the curve with Digital journey
Moving up the curve with Digital journey Key digital Initiatives Impact Upgraded Digital Journey >83% ✓ End to End API led info ✓ Multi-banking Account ✓ 100% Digitally assisted capture ✓ E- Sanction letter Aggregator journey ✓ Bureau, docs check, ✓ Agreement E-sign 730+ bureau Customers % ✓ Automat
Slide 135: Overall Business: Driving & Creating business & cost efficiencies
Overall Business: Driving & Creating business & cost efficiencies Book Disbursement 0 DPD CE% 0+ & 30+ DPD (Indexed) 100% 26% 7% 83% 100% 27,407 2,713 99.6% 99.7% 83% 2,531 21,731 Sep 24 Oct 25 Q2FY25 Q2FY26 Q2FY25 Q2FY26 Sep 24 Oct 25 0+ DPD% 30+ DPD% Increasing trend in disbursement with robust bo
Slide 136: Developing the Ecosystem – A Digital Home Loan Marketplace
Developing the Ecosystem – “A Digital Home Loan Marketplace” Going Beyond Finance : Diversifying income streams through creating a housing ecosystem Application Legal Technical KYC details Banking details Property details Sanction Disbursement form documents valuation Digital Integration required Ba
Slide 137: Mr. Manish Kumar Gupta, Chief Executive – Urban Unsecured Assets
Mr. Manish Kumar Gupta INTERNAL Chief Executive – Urban Unsecured Assets, Payments & Partnerships With L&T Finance : May, 2025 since Total years of : 24 years experience Past Experience : ICICI Bank, Deutsche Bank, HSBC, DBS Bank, InMobi, Transunion CIBIL Educational : B.Tech. (Hons.) – IIT Delhi Qu
Slide 138: Embracing digital and AI innovations to build a quality portfolio
Embracing digital and AI innovations to build a quality portfolio Fostering Mega Partnerships – Now contributes 43% of sourcing Next gen underwriting architecture 11% 10% DSA Revamp of underwriting policy in 27% 20% Digital Loan Originators Q4’2024 show results in FY2026 57% 30% Large Partnerships 2
Slide 139: Business scale-up through digital sourcing
Business scale-up through digital sourcing All figures in ₹ Cr 1,170 500 438 PARTNER 4 476 251 222 236 202 213 160 144 PARTNER 3 PARTNER 2 195 PARTNER 1 12 72 Sep-24 Oct-24 Nov-24 Dec-24 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Digital Loan Originators Large Partnerships
Slide 140: With improved portfolio quality
With improved portfolio quality Bounce rate % Self Cure* 14.1% 34.0% -42% 8.2% 15.6% 119% Sep-24 Oct-25 Sep-24 Oct-25 Data and tech driven pre-delinquency Increased self cure through multilingual BOTs management calling and data driven models GNS NNS 5.2% 0.53% -44% 2.9% -70% 0.16% Sep-24 Oct-25 Sep
Slide 141: Created strong tech stack for E2E digital experience
Created strong tech stack for E2E digital experience Lead Generation Underwriting Risk Management External API Layer Strong customer monitoring Internal API Gateway Loan Origination System Loan Management System 140
Slide 142: Driving Transformation in PL business H1 2026
Driving Transformation in PL business H1 2026 Large Best in class Data & Technology Microservices Partnerships Native Journeys based sourcing for API stack for Distribution Tie-up with big with Digital Cross Sell seamless tech players partners integration Digital underwriting Data Room Exercise Risk
Slide 143: Preparing for the future – Initiatives in H2 2026
Preparing for the future – Initiatives in H2 2026 Multilingual Bot Agentic Voice Revamp Loan offer Pod Distribution for sales calls and chat-based Consumer Journey for cross sell to for cross sell journeys Best in class digital existing experience customers Project Cyclops Nostradamus Pre-Approved R
Slide 144: Mr. Abhishek Sharma, Chief Executive – SME Finance
Mr. Abhishek Sharma INTERNAL Chief Executive – SME Finance L&T FINANCE With L&T Finance : April, 2009 since Total years of : 21 years experience Past Experience : Captain in the Indian Army Educational : MBA – XLRI Jamshedpur Qualification Bachelors in Business Economics – Delhi University 143
Slide 145: SME Industry origination overview
SME Industry origination overview Inquiry Volume (Indexed at Aug-23) Originations 2.9 10.1 12 2.7 9.3 8.3 10 119 116 2.5 107 112 8 100 94 2.3 86 6 2.1 1.9 4 1.7 2 2.7 2.8 2.5 1.5 0 Jul'23 Jul'24 Jul'25 Aug'23 Dec'23 Apr'24 Aug'24 Dec'24 Apr'25 Aug'25 Sanctioned amt (in LCr) Trades (in Lakhs) Origina
Slide 146: Decoding LTF's SME Business model
Decoding LTF’s SME Business model • Ability to expand to locations exponentially 200+ Digital Native 7000+ • Ability to increase the channel partner and Partnership network play • Ability to manage better TAT due to Digital Customer onboarding process 6-7 days Curated Customer segmentation for bette
Slide 147: LTF's Risk resilient portfolio
LTF’s Risk resilient portfolio Month ATS- Industry* ATS- LTF Ticket Size 90+ DPD Portfolio Sep-23 16 24 90+ DPD Portfolios indexed 5-10 Lakh 1x Dec-23 16 24 against 5-10 Lakh 90+ DPD 10-25 Lakh 0.7x marked at 1x ATS Vs Mar-24 17 24 Market Jun-24 17 24 25-50 Lakh 0.4x Sep-24 17 25 50-75 Lakh 0.4x Dec
Slide 148: Business Highlights
Business Highlights 1 FY23 FY24 FY25 H1FY26 Geographic expansion • 6.23%* LTF market share amongst existing locations across India Disbursements (in Rs Cr) CAGR • Target to increase the market share from 7% with deepening our 50% 5,000 network base into existing and new locations 3,657 2,740 1,473 2
Slide 149: Strengthening collection strategy
Strengthening collection strategy Policy Measures CD CE (%) • Turnover / Cash profit capping 99.80% 99.70% 99.50% 99.50% • Profile rationalization under GST Program • Enquiry based norms • Location specific bank statement analysis for SEP Team Structure bifurcation • Separate teams for higher bucket
Slide 150: Project Cyclops: Impact on P&L
Project Cyclops Old Process: Pre Cyclops Current state: Post Cyclops Impact on P&L Smarter risk assessment Absence of Unified Eligibility View 01 Multiple back and forth checks required Integrates bureau, banking and across underwriting programs, leading to delays and inefficiencies alternate data f
Slide 151: Portfolio distribution: Non Cyclops v/s Cyclops
Portfolio distribution Non Cyclops v/s Cyclops Post Likely Pre-Cyclops PD rates Cyclops Indexed at Value PD rates Premium 37% 40% 0.2x Core 41% 40% 0.7x Value 22% 20% 1x Cyclops Non-Cyclops GNS (%) 4.1% 5.7% Premium Customer cohort has moved 300 basis point vis-à-vis pre-cyclops outcome & Cyclops GN
Slide 152: Way forward: Digital Initiatives
Way forward: Digital Initiatives Empowering team with Agentic AI Upcoming Projects Projects Launched Project Helios Legal & Technical Phase 2 & 3 Universal Partner API Project Helios checks via AI Project Cyclops Phase1 First step in the AI world, leveraging the Enabler to onboard multiple partners
Slide 153: Use case of AI: Agentic Bureau Analyser
Use case of AI Agentic Bureau Analyser Overall Credit Summary Enquiries vs Loans Disbursed (Last 6m) Challenges faced… Manual review of extensive bureau reports delays underwriting Turnaround Time (TAT) & is prone to human error Derogatory Information Table Deviation Analysis (Policy View) Manual ch
Slide 154: Way forward: Business strategy
Way forward: Business strategy Feature Variant: Semi Secured Supply Chain Finance Anchors Product Variants Fixed Deposits Vendor Financing Mutual Funds Anchors 4 onboarded Mortgages Semi-Secured (FD, BG, Mortgages) Gold Partners 2 onboarded Insurance policies Invoice Discounting Tapping into new mar
Slide 155: Mr. Raju Dodti, Chief Operating Officer
Mr. Raju Dodti INTERNAL Chief Operating Officer L&T FINANCE With L&T Finance since : November, 2015 Total years of : 27 years experience Past Experience : IDFC, Rabo, ABN Amro, Societe Generale, Global Trust Bank Educational : AMP – The Wharton School Qualification LLB & B.Com.– Mumbai University 15
Slide 156: Acquisition Recap
Acquisition Recap Acquisition Context Acquisition Journey Opportunity to enter a high yield, secured product Paul Merchants Finance Private Limited (North, (₹ 2.5L crore BFC industry) West) acquired through slump sale Deal Execution: • Comprehensive Due Diligence (incl. gold Potential to cross sell
Slide 157: Key business metrics
Key business metrics At Acquisition ₹ 1,289 Cr ~130 ~1.0 Lac ~696 POS Branches Customers Employees Disbursements (in ₹ Cr) POS trajectory (in ₹ Cr) 457 423 CAGR - 30% 1,495 317 Post 1,442 235 244 Acquisition 1,385 1,361 1,318 1,289 Jun-25* Jul-25 Aug-25 Sep-25 Oct-25 9th June Jun-25 Jul-25 Aug-25 Se
Slide 158: Principles of Integration & technology progress in first 100 days
Principles of Integration & technology progress in first 100 days Focus on business Security resilience Day 100 progress continuity Existing LOS & LMS - smooth E-sign implementation integration Additional Command Center (Mumbai) IBJA automation and caratage Seamless customer onboarding automation In
Slide 159: Technology themes going forward
Technology themes going forward • KYC automation • PLANET and Web journey linkages Customer Interaction • Further reduction of TAT from ~30 mins • AI based gold assessment tool (in-house) • Karatmeter (XRF*) Gold Assaying • IMPS • One-tap top-ups through PLANET app Disbursement/Top-up • 12+ AI enabl
Slide 160: AI based command center use cases
AI based command center use cases Current Command Centers across the industry… AI enabled Command Centers of the future… OTP based safe access Facial recognition enabled by AI to open safe locks STP Manual camera checks for guard/customers/etc. AI checks camera feeds and gives access Security guard
Slide 161: Expanding existing 130 branches by 200 in FY26
We are in process of expanding our existing 130 branches by 200 in FY26 to establish pan-India presence We have a strong branch presence across North and West… …and are expanding at a branch a day to become pan-India North West Punjab (42) Haryana (32) Gujarat (20) Rajasthan (24) Punjab (18) Haryana
Slide 162: First Sampoorna Gold Finance Branch in Ujjain
We have launched the first Sampoorna Gold Finance Branch in Ujjain 161
Slide 163: Ms. Kavita Jagtiani, Chief Marketing Officer
Ms. Kavita Jagtiani INTERNAL Chief Marketing Officer L&T FINANCE With L&T Finance since : October, 2023 Total years of experience : 26 years Past Experience : Pidilite, General Mills, ICICI Bank Educational Qualification : MBA – Sydenham Institute of Management Studies, Mumbai M.Com. – Mumbai Univer
Slide 164: Two-Wheeler Loans
A © L&T Finance TWO-WHEELER LOANS
Slide 165: Cricket is not just a Sport .. It's a religion
INTERNAL Cricket is not just a Sport .. It’s a religion 164
Slide 166: Launching Our Brand Ambassador: Speed and Style
Launching Our Brand Ambassador Speed and Style 165
Slide 167: Launching Our Brand Ambassador
Launching Our Brand Ambassador Speed and Style Game changer 166
Slide 168: Launching Our Brand Ambassador: Game changer
Launching Our Brand Ambassador Game changer 167
Slide 169: Launching Our Brand Ambassador
Launching Our Brand Ambassador 168
Slide 170: Brand refresh through two Integrated Marketing Campaigns
Brand refresh through two Integrated Marketing Campaigns (IMCs) 169
Slide 171: Two-Wheeler loan IMC: Bumrah + Asia Cup
Two-Wheeler loan IMC Bumrah + Asia Cup = Amplified Brand Power Branding across Outdoor, 1400+ Digital reach within Ad spots in Asia Cabs & Buses – YouTube and other Cup’25 Metro tactical placements announcements 170
Slide 172: Leveraging technology to maximize contextual screen visibility
Leveraging technology to maximize contextual screen visibility Contextual Aston Bands Connecting Bumrah’s unmatched bowling speed to two-wheeler loans, turning a live sports moment into a clever, memorable brand association. During Live Stream via technology + pre-programmed content of custom Aston
Slide 173: Extending the speed promise to transit media
Extending the speed promise to transit media Contextual programmatic content in transit media Real-time optimisation kept our message visible from morning rush to evening wind down, stating relevant messaging all day 172
Slide 174: BowlLikeBumrah.com – An AI-powered engagement platform
BowlLikeBumrah.com – An AI-powered engagement platform A unique, gamified activation to link Bumrah's unique style directly to the brand, driving engagements and brand visibility 173
Slide 175: Key results - Two-Wheeler IMC
Delivering at scale Key results - Two-Wheeler IMC 76 Mn Reach on 40 Mn views on 5 Mn social media Asia Cup Live TV Digital platforms engagements 174
Slide 176: Launching Our Brand Ambassador
Launching Our Brand Ambassador 175
Slide 177: Brand refresh through two Integrated Marketing Campaigns
Brand refresh through two Integrated Marketing Campaigns (IMCs) 176
Slide 178: Business Loan IMC
Business Loan IMC Extend Bumrah to celebrate business owners as Game Changers Engagements TV spots and Digital Video within strategic and tactical ad Business Outdoor placements communities 177
Slide 179: AI-enabled campaign for Business Owners
AI-enabled campaign for Business Owners Business Poster With Bumrah A unique activation for SME owners to create a Business Poster for their company through AI, also leveraging Bumrah. 178
Slide 180: AI-enabled campaign for Business Owners
AI-enabled campaign for Business Owners Business Poster With Bumrah A unique activation for SME owners to create a Business Poster for their company through AI, also leveraging Bumrah. 179
Slide 181: AI-enabled campaign for Business Owners
AI-enabled campaign for Business Owners Business Poster With Bumrah Digital Billboard activation, creating user interactions 180
Slide 182: Key results - Business Loan IMC
Delivering at scale Key results - Business Loan IMC 11 Mn Reach to 29 Mn views on 4.5 Mn social media Business Owners Digital platforms engagements 181
Slide 183: Key results - Business Loan IMC
Delivering at scale Key results - Business Loan IMC 11 Mn Reach to Business 29 Mn views on Digital 4.5 Mn social media Owners platforms engagements BRAND AWARENESS BRAND CONSIDERATION Pre Post Pre Post 23% 31% 12% 8% B R A N D AW A R E N E S S B R A N D AW A R E N E S S 182
Slide 184: Leveraging Gen AI into Martech
Leveraging Gen AI into Martech 3.4X growth in CTR 1% 0.98% Dussehra Diwali Durga Pooja 1.01% 0.82% 0.60% 0.42% 0.29% Apr May June July Aug Sep Oct Contribution to Personal Loan . Cross-Sell business Application Sanction Banking 56% 60% 57% 56% 21% June July Aug Sep Oct 183
Slide 185: Leveraging Gen AI into Martech
Leveraging Gen AI into Martech 3.4X growth in CTR 1% 0.98% Dussehra Diwali Durga Pooja 1.01% 0.82% 0.60% 0.42% 0.29% Apr May June July Aug Sep Oct Contribution to Personal Loan . Cross-Sell business Application Sanction Banking 56% 60% 57% 56% 21% June July Aug Sep Oct 184
Slide 186: Driving Marketing Efficiencies through AI
Driving Marketing Efficiencies through AI Sab Honge Kaamyaab with L&T Finance Fully AI-generated Diwali theme song 45 Mn Views on Instagram 90k engagements 185
Slide 187: Driving Marketing Efficiencies through AI
Driving Marketing Efficiencies through AI Sab Honge Kaamyaab with L&T Finance Fully AI-generated Diwali theme song 45 Mn Views on Instagram 90k engagements 186