L&T Finance Limited

rs,

- 400 051. BSE Limited Corporate Relations Department, 1st Floor, New Trading Ring, P. J. Towers, Dalal Street, Mumbai - 400 001. Symbol: LTF Security Code No.: 533519 Kind Attn: Head – List

95%

ce at Consolidated level L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25):

25%

Consolidated level L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% G

51%

SATION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98%

10%

ETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS

97%

OWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS3 3.29% N

19%

SOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS3 3.29% NS3 0.97%

28%

>25% CAGR FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS3 3.29% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1

3%

R FY22 (At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS3 3.29% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY

1%

(At launch) FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS3 3.29% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04%

4.08%

FY25 Q4: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS3 3.29% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% Q4: 2.22% | FY:

1.98%

: 51% Q4: 10% Q4: 97% Q4: 19% CAGR (Q4FY22 - Q4FY25): 28% GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% Q4: GS3 3.29% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% Q4: 2.22% | FY: 2.44% La

“o Over 40 years of sterling experience in engineering, project management, transformative organizational leadership and a driver of digitalization.”

Ensures the following

1

Kicked off Project Nostradamus

1

Mainly includes

1

Accountability

1

Ensures the following

• Estimation of standard of living & repayment capacity • KYC verification • On-ground sensing Strong credit guardrails implemented over the years reflecting enhanced portfolio resilience 19 Pillar 2: Sharpening Credit Underwriting (3/11) Rural Business Finance – Stringent Portfolio Policy & Sourcing Norms Monthly customer leverage tracker L&T FINANCE Strong Early Warning Signals Exclusive Risk Control Unit Comprehensive customer leverage tracker Customer profiling to predict repayment • 700+ member strong team with pan India dashboard deployed behaviour and propensity to default presence which acts as a strong line of defense • Dashboard collates data of customer leverage • Paying LTF’s EMI but not paying external for fraud prevention and control with LTF and other peers liabilities • Independent reporting to head of internal audit • Customers categorized basis their overall • Off-us customer profiling on monthly basis to • Scope of work involves: leverage and repayment history monito

Kicked off Project Nostradamus

Advanced automated portfolio management with predictive risk controls Launch of PLANET 3.0 & new website: Differentiated D2C experience through integrated AI workflows Significantly reduced overall application downtime to <0.6% 29 Pillar 4: Heightened Brand Visibility Onboarded Jasprit Bumrah as Brand Ambassador L&T FINANCE Partnered with L&T Group for the MMRDA Atal Setu L&T Marathon 2025 Providing water coolers in schools & hospitals with LTF branding 30 Targeted engagement through multi- channel and multi-product branding Focused ongoing efforts to expand and strengthen brand presence during Q4FY25 Pillar 5: Capability Building & Employee Initiatives L&T FINANCE Built key capabilities in Engineering & Data teams • Established data science library with >7 alternate data channels with 100+ scorecards • Established two new application engineering centres in order to accommodate rapidly growing in-house engineering and analytics team • Integrating AI with the workflows to optimize the r

Mainly includes

18.6 SOA Downloads Repayment Schedule Payments Statutory Kits (Welcome, NOC etc) Credit Score 9.3 6.0 2.7 0.9 6.1 Servicing channels (% of interactions across channels) Inverting the Servicing Pyramid 21.5 26.0 41.4 85.8 90.4 101.1 126.6 134.2 8.9 6.0 3.2 2.6 5.5 1 2 ’ R A M 9.4 7.6 4.0 4.3 6.4 10.9 6.6 5.0 8.5 5.8 9.5 6.6 5.3 64.4 3.8 9.2 6.9 6.3 74.2 3.8 11.0 8.0 7.1 75.0 1.6 11.0 10.8 5.5 97.0 1.9 14% 35% 51% Digital channels Call centre Branches 92% 6% 2% 11.3 7.0 5.6 110.2 2.0 M A R ’ 2 5 62 Developing digital finance delivery as a customer value proposition L&T FINANCE Digital delivery: Touching every part of the customer ecosystem 100% Paperless Journey in Rural Group Loans, 2W Finance, Farm Equip. Finance, Personal Loans 100% Digital Disbursements (Rural + Urban) 96% eNach Penetration (Urban) 33% Digital Collections (Rural) 96% Digital Collections (Urban) Customer focused digital first approach in not only Urban but also in Rural 63 Marked improvement in Rural Digital collectio

Accountability

• Strengthening Amongst 1st Indian NBFC - Signatory to Partnerships for Carbon Accounting Financials (PCAF) • Driving Sustaining Energy Management: 1/3rd of Company operations are powered by Green Energy • Promoting Sustainable Water Use: Reached over 5,000 farmers to promote micro-irrigation for efficient water use • Retaining Water Positive/Surplus Status: Successfully retained over last 3 years • : Company- Improving Waste Management wide roadmap developed based on top 50 branches across PAN India • Fostering Biodiversity: 39 flora & 69 fauna through Company’s supported species Miyawaki plantation Social Engagement Stakeholder Engagement • Enhancing Digital & Financial Literacy: Digital and Financial literacy module training imparted to 3.40 Lakh+ beneficiaries • Sustaining Digital Sakhi Program Impact: Digital Seva Kendra and Common Service Centre (CSC) collaboration – partnership in Kerala • Empowering Individuals with Livelihood Skills: 200 youths certified in Banking and Finance