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%

goals even during cycles L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY26 Q1 Q4: 51% Q4: 10% 98% 18% CAGR (FY22 - FY25): 28% Laks

25%

even during cycles L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY26 Q1 Q4: 51% Q4: 10% 98% 18% CAGR (FY22 - FY25): 28% Lakshya wa

51%

ION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY26 Q1 Q4: 51% Q4: 10% 98% 18% CAGR (FY22 - FY25): 28% Lakshya was launched in April 2022. FY22 is the year

10%

IL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY26 Q1 Q4: 51% Q4: 10% 98% 18% CAGR (FY22 - FY25): 28% Lakshya was launched in April 2022. FY22 is the year before th

98%

ROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY26 Q1 Q4: 51% Q4: 10% 98% 18% CAGR (FY22 - FY25): 28% Lakshya was launched in April 2022. FY22 is the year before the lau

18%

CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY26 Q1 Q4: 51% Q4: 10% 98% 18% CAGR (FY22 - FY25): 28% Lakshya was launched in April 2022. FY22 is the year before the launch o

28%

Y26 >95% >25% CAGR FY22 (At launch) FY26 Q1 Q4: 51% Q4: 10% 98% 18% CAGR (FY22 - FY25): 28% Lakshya was launched in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3

3%

% Lakshya was launched in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.31% NS3 0.99% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.0

1%

ya was launched in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.31% NS3 0.99% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.37

4.08%

ed in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.31% NS3 0.99% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.37% 4 RoA trajec

1.98%

l 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.31% NS3 0.99% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.37% 4 RoA trajectory over

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

Ensures the following

1

Mainly includes

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 20 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

Mainly includes

SOA Downloads Repayment Schedule Payments Statutory Kits (Welcome, NOC etc) Credit Score 8.9 6.0 3.2 2.6 5.5 Servicing channels (% of interactions across channels) Inverting the Servicing Pyramid 26.0 41.4 85.8 90.4 101.1 126.6 134.2 122.4 9.4 7.6 4.0 4.3 6.4 1 2 ’ R A M 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 11.0 8.0 7.1 75.0 11.0 10.8 5.5 97.0 11.3 7.0 5.6 8.6 5.5 5.8 110.2 102.4 3.8 1.6 1.9 2.0 1.7 14% 35% 51% Digital channels Call centre Branches 92% 6% 2% J U N ’ 2 5 63 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) 98% eNach Penetration (Urban) 36% Digital Collections (Rural) 96% Digital Collections (Urban) Customer focused digital first approach in not only Urban but also in Rural 64 Marked improvement in Rural Digital collections