L&t Finance Ltd · NSE:LTF
L&t Finance — Q1 FY27 Earnings Presentation
73 slides from L&t Finance's earnings presentation, Jul 10, 2026
Slide 1: Submission of investor / analyst presentation to exchanges
July 10, 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 No.:
Slide 2: Investor Presentation Q1FY27
L&T FINANCE Investor Presentation Q1FY27
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 ₹1,29,000 Cr+ Branches: Domestic: AAA 2,800+ Cities / Towns: Customer base: Intl: ‘BBB’ & ‘BBB-’ 450+ 2.9 Cr+ Retail Part Of Illustrious Presence across Granular Extensive Premium Upper Layer NBFC L&T Group Rural & Urban Retail Franc
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 Lakshya2031 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 Q4 FY26 Q1 FY27 GOALS Book Growth 20%+ 25% 27% IN LINE Credit cost <2% 2.64% 2.54% WIP RoA 3% - 3.2% 2.40% 2.48% WIP RoE 16% - 18% 11.71% 12.71% WIP 7
Slide 9: RoA & RoE Tracker
RoA & RoE Tracker PARTICULARS Q1 FY26 Q4 FY26 Q1 FY27 Book (₹ Cr) 1,02,314 1,21,728 1,29,634 Yields 14.80% 14.80% 14.81% NIMs+ Fees 10.22% 10.47% 10.47% Opex 4.21% 4.14% 4.03% Credit cost 3.43%* 2.64% 2.54% RoA 2.37% 2.40% 2.48% RoE 10.86% 11.71% 12.71% * Credit cost after macro utilization is 2.23%
Slide 10: Financial Snapshot – Q1FY27
Financial Snapshot – Q1FY27 DISBURSEMENTS NIMS+FEES ROA +36% YoY +25bps YoY +11bps YoY ₹ 23,852 Cr -1% QoQ 10.47% Flat QoQ 2.48% +8bps QoQ BOOK PAT ROE +27% YoY +29% YoY +185bps YoY ₹ 1,29,634 Cr +6% QoQ ₹ 902 Cr +12% QoQ 12.71% +100bps 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% Disbursements ₹ 2,621 Cr ₹ 3,006 Cr Pre-Cyclops Cyclops (Q1FY25) (Q1FY27) (Avg Q1FY25) (Avg Q1FY27) Avg IRR 17.6% 1
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 ~39,000 SENP 37 22 Conversational s
Slide 18: Canyon - Proprietary in-house LOS for Gold Finance
LIVE Canyon - Proprietary in-house LOS for Gold Finance AI Powered | Built for Scale | Accelerating Innovation Canyon Built in-house in 4 months Proprietary digital asset Latest tech stack – Java21 (Springboot 3.34) for backend Combines: & Flutter for frontend 16+ Integrated Systems Faster Innovatio
Slide 19: Cost optimization through Private Cloud build-out
Cost optimization through Private Cloud build-out Exponential growth of in-house use of AI needs us to focus on creating a GPU cloud where Opensource LLM / SLM packages can run GPU AUGMENTATION PROJECT MILESTONES & STATUS Designing high-performance GPU nodes to extend existing CPU/Ceph Phase Project
Slide 20: HERCULES: Agentic AI based cross-sell platform
HΞRCULΞΣ Agentic AI based cross-sell platform LOADING…. 19
Slide 21: 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 20
Slide 22: Lakshya 2031: Goal monitorables
Lakshya 2031 Goal monitorables 21
Slide 23: Book Growth
BOOK GROWTH @ L&T Finance
Slide 24: Disbursement increased by 36% on YoY basis
Disbursement increased by 36% on YoY basis ₹ in Cr DISBURSEMENTS 24,107 23,852 17,522 +36% YoY -1% QoQ Q1FY26 Q4FY26 Q1FY27 Rural Business Finance Farmer Finance Urban Finance 7,208 6,961 10,787 5,618 9,850 +24% YoY 6,850 2,200 2,037 2,453 +11% YoY +57% YoY -3% QoQ +20% QoQ +10% QoQ Q1FY26 Q4FY26 Q1
Slide 25: Book increased by 27% on YoY basis
Book increased by 27% on YoY basis ₹ in Cr BOOK 1,21,728 1,29,634 1,02,314 +27% YoY +6% QoQ Q1FY26 Q4FY26 Q1FY27 Rural Business Finance Farmer Finance Urban Finance 15,756 16,970 17,514 26,616 30,805 32,493 59,048 63,615 +22% YoY +11% YoY 48,178 +32% YoY +5% QoQ +3% QoQ +8% QoQ Q1FY26 Q4FY26 Q1FY27
Slide 26: Growth in Distribution Network
Growth in Distribution Network Q1 FY26 Q4 FY26 Q1 FY27 Rural Group Loans & MFI New villages activated (nos.) 24,430 28,335 23,467 2.9 Cr+ Two Wheeler Finance Active sourcing points (nos.) 8,520 8,985 8,914 Customer Database Farm Equipment Finance Active sourcing points (nos.) 2,522 2,750 2,750 Perso
Slide 27: Credit Cost
CREDIT COST @ L&T Finance
Slide 28: RBF Collection Efficiency (1/3)
RBF Collection Efficiency (1/3) Trending at normalized levels RURAL BUSINESS FINANCE RURAL GROUP LOANS & MICRO FINANCE (JLG) FY26 FY27 0 DPD CE % 0 DPD CE = POS of 0 DPD collected / POS of 0 DPD billed 99.8% 99.8% 99.8% 100.00% 99.50% 104.00% 99.00% 102.00% RURAL 98.50% 98.00% 100.00% 97.50% 98.00%
Slide 29: 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% 91.1% 93.0% 92.4% 94.0% 93.5% 92.5% 93.8% 92.2% 91.4% 92.1
Slide 30: 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 29
Slide 31: Improved Credit Quality Trends (1/3)
Improved Credit Quality Trends (1/3) RBF : Best-in-class delinquency levels Rural Group Loans (JLG) & Micro Finance (JLG) Basis rolling 12-month sourcing cohorts 98.7% 98.7% 98.9% 98.4% 98.9% 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 2
Slide 32: 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 71% 76% 77% 78% 78% 79% Basis rolling 12-month 71% 71% 71% 71% 10.0 85% 74% 120 9.0 80% sourcing cohorts LTV LTV 72% LTV % 70% 8.0 7.0 LTV % 113K 75% 115K 114K
Slide 33: Improved Credit Quality Trends (3/3)
Improved Credit Quality Trends (3/3) Prudent LTV with industry leading delinquency levels Home Loans LAP 78 82 91 95 91 76 77 84 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 34: 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% - LTF 96.8% 97.1% 97.0% 96.8% 96.4% 95.8% 94.9% 95.1% 95.5% 95.9% 96
Slide 35: Retail Asset Quality (2/3)
Retail Asset Quality (2/3) ‘0 DPD’ for our 3 fulcrum products RURAL GROUP LOANS & MICRO FARM EQUIPMENT FINANCE TWO WHEELER FINANCE FINANCE (JLG) 96.5% 91.7% 87.8% 83.4% 84.3% 77.9% Industry LTF Industry LTF Industry LTF Industry figures are for the immediately preceding quarter reported as per CRIF
Slide 36: Retail Asset Quality (3/3)
Retail Asset Quality (3/3) Stagewise assets & provision summary G Q1FY26 Q4FY26 Q1FY27 R Stage wise (in ₹ Cr) Q1FY26 (% of Total) Q4FY26 (% of Total) Q1FY27 (% of Total) O S S Stage 1 94,495 94.67% 1,14,434 95.75% 1,22,353 95.94% A Stage 2 2,392 2.40% 2,045 1.71% 2,018 1.58% S S Stage 3 2,928 2.93%
Slide 37: 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% 68% 70% 71% 67% 69% 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 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) (%) Bank Loan - Non-PSL 3% 8% 2% 8% 7.83% 7.80% 23% Bank Loan - PSL 7.50% 8% 5% 29% 7.46% 7.35% 1% 1% FI Loan 21% NCD Private FY22 FY23 FY24 FY25 FY26 30% 25% Retail NCD 7% 26% 7.85% 7.80% 7.
Slide 40: Prudent ALM - as on June 2026
Prudent ALM - as on June 2026 Structural Liquidity statement 86,056 Cumulative Inflows (₹. Cr) Cumulative Outflows (₹. Cr) 52,647 43,683 34,480 26,954 22,734 15,454 19,916 13,817 13,604 5,552 8,845 2,161 3,351 1-7 days 8-14 days 14 days-1 month 1-2 months 2-3 months 3-6 months 6-12 months Cumulative
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 - 61% | Rural – 39% Rural Urban State Branches Branches 18 ~2,00,000 23 4 450+ Madhya Pradesh 97 47 States Villages States UT Cities / Towns Maharashtra 100 34 Uttar Pradesh 183 30 Gujarat 101 42 Karnataka 250 32 West Bengal 124 32 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 Retailisation 54% 58% 64% 75% 82% 88% 91% 94% 95% 96% 97% 97% 98% 98% 98% 98% 98% NIMs 6.54% 6.90% 7.41% 7.63% 8.0
Slide 47: Lending Business – Business wise disbursement split
Lending Business – Business wise disbursement split Q1FY26 Particulars (₹ Cr ) Q4FY26 Q1FY27 Y-o-Y (%) 2,200 FARMER FINANCE 2,037 2,453 11% 2,200 Farm Equipment Finance 2,037 2,453 11% 5,618 RURAL BUSINESS FINANCE 7,208 6,961 24% 5,297 Rural Group Loans (100% JLG) 6,750 6,516 23% 149 Micro Finance (
Slide 48: Lending Business – Business wise book split
Lending Business – Business wise book split Q1FY26 Particulars (₹ Cr ) Q4FY26 Q1FY27 Y-o-Y (%) 15,756 FARMER FINANCE 16,970 17,514 11% 15,756 Farm Equipment Finance 16,970 17,514 11% 26,616 RURAL BUSINESS FINANCE 30,805 32,493 22% 25,962 Rural Group Loans & MFI (100% JLG) 29,367 30,735 18% 654 Micro
Slide 49: LTF Consolidated – Summary financial performance
LTF Consolidated – Summary financial performance Q1FY26 Particulars (₹ Cr ) Q4FY26 Q1FY27 Y-o-Y (%) 3,690 Interest Income 4,296 4,654 26% 1,636 Interest Expense 1,747 1,970 20% 2,054 NIM 2,549 2,684 31% 493 Fee & Other Income 492 605 23% 2,548 Total Income 3,041 3,289 29% 1,049 Operating Expense 1,2
Slide 50: LTF Consolidated – Summary financial performance
LTF Consolidated – Summary financial performance Q1FY26 Particulars (₹ Cr ) Q4FY26 Q1FY27 Y-o-Y (%) 1,02,314 Closing Book 1,21,728 1,29,634 27% 1,00,009 Average Book 1,17,738 1,26,074 26% 25,585 Networth 27,984 28,213 10% 102.4 Book Value per share (₹) 111.7 112.6 10% 2.8 Basic Earning per share (₹)
Slide 51: LTF Consolidated – Key Ratios
LTF Consolidated – Key Ratios Q1FY26 Particulars (₹ Cr ) Q4FY26 Q1FY27 14.80% Yield 14.80% 14.81% 8.24% Net Interest Margin 8.78% 8.54% 1.98% Fee & Other Income 1.70% 1.93% 10.22% NIM + Fee & Other Income 10.47% 10.47% 4.21% Operating Expenses 4.14% 4.03% 6.01% Earnings before credit cost 6.34% 6.43
Slide 52: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures Rural Business Finance Update Digital Update Sustainability (ESG & CSR) Board and Senior Management 51
Slide 53: Rural Business Finance
Rural Business Finance Stringent Portfolio Policy & Sourcing Norms through time reflect enhanced portfolio performance Rural Group Loans (JLG) & Micro Finance (JLG) 1 2 3 4 5 Income estimation & total Maker-checker mechanism Applicant to be 0 DPD Strict Association Norms JLG Indebtedness Norms indeb
Slide 54: Rural Business Finance
Rural Business Finance Stringent Portfolio & Customer Monitoring Norms Rural Group Loans (JLG) & Micro Finance (JLG) Monthly customer leverage tracker Strong Early Warning Signals Exclusive Risk Control Unit Comprehensive customer leverage tracker Customer profiling to predict repayment • ~700 membe
Slide 55: Rural Business Finance
Rural Business Finance Industry leading portfolio cohorts with excellent Collection Efficiency Customer Association on Rural Group Loans & Microfinance loan book (%) LTF exclusive, LTF+1 & LTF + 2 stands at 98.5% of book Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 53% 54% 51% 50%
Slide 56: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures Rural Business Finance Update Digital Update Sustainability (ESG & CSR) Board and Senior Management 55
Slide 57: App as a powerful digital channel for customer
App as a powerful digital channel for customer PLANET App Downloads (in Cr) Collection (₹ Cr) 2.5 1,942 6.3x 14.8x 1.8 1,012 1.0 529 0.4 131 Jun'23 Jun'24 Jun'25 Jun'26 Q1FY24 Q1FY25 Q1FY26 Q1FY27 Servicing % Business (₹ Cr) 5,500 8.8x 93% 4.7x 82% 85% 2,800 1,273 47% 1,168 Q1FY24 Q1FY25 Q1FY26 Q1FY
Slide 58: App as a powerful digital channel for customer
App as a powerful digital channel for customer Partner PLANET – Building a smarter Dealer ecosystem Registrations Logins 51,433 25x 12,371 25x 6,114 20,752 483 2,008 Dec'25 Mar'26 Jun'26 Dec'25 Mar'26 Jun'26 Retail dashboard logins 2,132 7x 1,178 4.6 Rating 277 4.6 stars on Dec'25 Mar'26 Jun'26 App
Slide 59: 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 60: Marked improvement in Rural Digital collections
Marked improvement in Rural Digital collections 40% 37% 35% 35% 27% 29% 21% 23% 23% 19% Rural Group Loans 10% 3% 3% 5% & Micro Finance (JLG) 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 71% 67% 64% 61% 63% 63% 59% 53% 53% 47% 48% 41% 38% 32% Farm
Slide 61: Net Promoter Score
Net Promoter Score Investing in enriching customer experience to build brand loyalty LTF achieved an overall Net Promoter Score (NPS) of 57 56 48 54 68 66 66 Rural Group Loans & Farm Equipment Two Wheeler Personal Home Loans SME Micro Finance (JLG) Finance Finance Loans & LAP Loans NPS in Rural Segm
Slide 62: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures Rural Business Finance Update Digital Update Sustainability (ESG & CSR) Board and Senior Management 61
Slide 63: L&T Finance – Businesses aligned with Sustainability goals
L&T Finance – Businesses aligned with Sustainability goals RURAL : ₹ 50,000 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 27,000 + employees hired from Rural India
Slide 64: ESG: Building a Sustainable Future – Key Highlights
ESG : Building a Sustainable Future – Key Highlights Secured Crisil ESG Rating of 73, categorised Recognised as Best ESG Performer by Business Today for Leadership in as “Leadership”* Sustainable Business Practices Climate Engagement Social Engagement Stakeholder Engagement Amplifying renewable ener
Slide 65: ESG: Building a Sustainable Future – Key Metrics
ESG : Building a Sustainable Future – Key Metrics ENVIRONMENT SOCIAL GOVERNANCE Diversity at Workplace: 7.66% female participation Convergence of Social Schemes: Customer Satisfaction: Rs. 40 Cr + 57 NPS Score Financial Inclusion of Community Stakeholder Workshops: Rural Communities: 12 3 lakh+ Sens
Slide 66: ESG: Building a Sustainable Future – Ratings
ESG : Building a Sustainable Future – Ratings NSE Sustainability Ratings & 75 (December 2025) Analytics CRISIL ESG Ratings 73 categorised as ‘Leadership’ (June 2026) & Analytics Performed in top decile in the FBN Diversified Financial Services & Capital Markets Industry in the S&P Global Corporate S
Slide 67: Corporate Social Responsibility
Corporate Social Responsibility Social Good, Uplifting the lives of Communities @ Scale Digital & Financial Inclusion 3.10 lakh+ 5,900+ ₹40 Cr Community members Women entrepreneurs trained in Worth of social entitlement schemes outreached across Entrepreneurship Development leveraged benefitting 23,
Slide 68: Meaningful CSR Impact
Meaningful CSR Impact Since FY18 States Districts Villages Overall Outreach Leading the way! 15 29 4,950+ 81 Lakh+ ISO 26000:2010 Social Responsibility Digital and Financial Inclusion Climate Impact Management Digital Sakhi Project Prakruti (Plantation) | Jalvaibhav 72 Lakh+ community outreach throu
Slide 69: Corporate Social Responsibility
Corporate Social Responsibility Communication & Recognition Communication Recognition 68
Slide 70: Index of Annexures
Index of Annexures I Pan India Branch Network II Financials III Other Annexures Rural Business Finance Update Digital Update Sustainability (ESG & CSR) Board and Senior Management 69
Slide 71: 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 o Over 42 years of
Slide 72: Management Committee
Management Committee Sudipta Roy Managing Director & CEO 30 yrs exp, ICICI Bank, Deutsche Bank, Citibank NA Raju Dodti Sonia Krishnankutty Sachinn Joshi COO CE – Rural Business Finance CFO 28 yrs exp, IDFC, Rabo, ABN 36 yrs exp, Aditya Birla Financial Amro, Soc Gen 27 yrs exp, Bank of Baroda Service
Slide 73: Thank You
S) L&T Finance Thank You