'L&T Finance conducted a conference call on 19 January 2026 to discuss its financial results for the quarter ended December 2025. Sudipta Roy, MD&CEO of the company addressed the call:

Highlights:

The core retail franchise continues to be resilient and the company is confident to sustain the momentum for the remainder of FY26 and continue into FY27.

As food inflation remains benign and consumption''s indicators remain robust, the company is confident that the growth momentum of the Indian economy will sustain well into FY27.

The company has achieved the highest ever quarterly core PAT of Rs 760 crore in Q3FY26 up 21% yoy before a one-time exceptional impact of the new labor code amounting to Rs 29 crore.

PAT even after the one-time impact stood at a highest ever at Rs 739 crore up by 18% yoy.

The profitability has been driven by highest ever quarterly retail disbursements of Rs 22701 crore, up 49% yoy.

This has led to the retail b...

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