| Scrip code | 533519 |
|---|---|
| NSE Symbol | LTF |
| MSEI Symbol | NOTLISTED |
| ISIN | INE498L01015 |
| Name of company | L&T FINANCE LIMITED |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 16-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 06-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Single segment |
| Description of single segment | Lending |
| Start date and time of board meeting | 16-01-2026 14:48:00 |
| End date and time of board meeting | 16-01-2026 18:35:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | Yes |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 4,24,000.00 | 12,19,171.00 |
| (ii) | Dividend Income | 17.00 | 17.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 33,803.00 | 88,627.00 |
| (v) | Net gain on fair value changes | 0.00 | 7,468.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 0.00 | 0.00 |
| (ix) | Other revenue from operations | ||
| Total other revenue from operations | |||
| Total Revenue From Operations | 4,57,820.00 | 13,15,283.00 | |
| Other income | 351.00 | 418.00 | |
| Total income | 4,58,171.00 | 13,15,701.00 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 64,932.00 | 1,79,366.00 | |
| Finance costs | 1,70,301.00 | 4,97,302.00 | |
| Depreciation, depletion and amortisation expense | 5,612.00 | 14,459.00 | |
| Fees and commission expense | 0.00 | 0.00 | |
| Net loss on fair value changes | 1,486.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 14,966.00 | 37,846.00 | |
| Impairment on financial instruments | 59,006.00 | 1,63,791.00 | |
| (f) | Other expenses | ||
| 1 | Legal and professional charges | 10,934.00 | 38,693.00 |
| 2 | Collection charges | 11,845.00 | 38,218.00 |
| 3 | Brand license fees | 4,155.00 | 12,231.00 |
| 4 | Rent, taxes and energy expenses | 2,980.00 | 12,069.00 |
| 5 | Repairs and maintenance | 2,618.00 | 7,724.00 |
| 6 | Travelling and conveyance | 1,897.00 | 6,108.00 |
| 7 | Other expenses | 6,338.00 | 15,562.00 |
| Total other expenses | 40,767.00 | 1,30,605.00 | |
| Total expenses | 3,57,070.00 | 10,23,369.00 | |
| 3 | Total profit before exceptional items and tax | 1,01,101.00 | 2,92,332.00 |
| 4 | Exceptional items | (2,843.00) | (2,843.00) |
| 5 | Total profit before tax | 98,258.00 | 2,89,489.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 29,532.00 | 75,064.00 |
| 9 | Deferred tax | (4,416.00) | (897.00) |
| 10 | Total tax expenses | 25,116.00 | 74,167.00 |
| 11 | Net Profit Loss for the period from continuing operations | 73,142.00 | 2,15,322.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 0.00 | 0.00 |
| 15 | Total profit (loss) for period | 73,142.00 | 2,15,322.00 |
| 16 | Other comprehensive income net of taxes | (1,469.00) | (3,330.00) |
| 17 | Total Comprehensive Income for the period | 71,673.00 | 2,11,992.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | |||
| Total profit or loss, attributable to non-controlling interests | |||
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | |||
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | |||
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 2,50,263.00 | 2,50,263.00 | |
| Face value of equity share capital | 10 | 10 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 2.92 | 8.62 | |
| Diluted earnings per share from continuing operations | 2.92 | 8.59 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 2.92 | 8.62 | |
| Diluted earnings per share | 2.92 | 8.59 | |
| 23 | Debt equity ratio | 3.8200 | 3.8200 |
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Standalone | Standalone | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| Total Segment Revenue | |||
| Less: Inter segment revenue | |||
| Revenue from operations | |||
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| Total Profit before tax | |||
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | |||
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| Total Segment Asset | |||
| Un-allocable Assets | |||
| Net Segment Asset | |||
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| Total Segment Liabilities | |||
| Un-allocable Liabilities | |||
| Net Segment Liabilities | |||
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Remeasurement of defined benefit plans | 56900000 | -100200000 |
| Total Amount of items that will not be reclassified to profit and loss | 56900000 | -100200000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 143.00 | (252.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Change in fair value of debt instruments measured at fair value through other comprehensive income | -3900000 | 600000 |
| 2 | The effective portion of gains / (loss) on hedging instruments in a cash flow hedge | -248100000 | -345600000 |
| Total Amount of items that will be reclassified to profit and loss | -252000000 | -345000000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | (625.00) | (870.00) |
| 5 | Total Other comprehensive income | (1,469.00) | (3,330.00) |
| Sr. No. | Particulars | Amount | Remarks |
| 1. | Loans / revolving facilities like cash credit from banks / financial institutions | ||
| A | Total amount outstanding as on date | 0.00 | |
|---|---|---|---|
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 2. | Unlisted debt securities i.e. NCDs and NCRPS | ||
| A | Total amount outstanding as on date | 0.00 | |
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 3. | Total financial indebtedness of the listed entity including short-term and long-term debt | 0.00 | |