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 Q2 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 Q2 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 Q2 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 Q2 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 Q2 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 Q2 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 Q2 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 3.29% NS3 1.00% 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 3.29% NS3 1.00% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.41

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 3.29% NS3 1.00% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.41% 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 3.29% NS3 1.00% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.41% 4 RoA trajectory over

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

Digital Marketing

1

Mainly includes

1

Digital Marketing

22.38 mn. reach | 4.8 % Engagement Rate 29 Pillar 4: Heightened Brand Visibility (2/2) Improving and projecting LTF’s tech quotient through RAISE’25 L&T FINANCE RAISE’25 has emerged as BFSI sector’s flagship AI event in India 30 Pillar 5: Capability Building & Employee Initiatives Gold Finance Branch Expansion Employee Initiatives L&T FINANCE • Integration of gold finance branches into multi- product ‘Sampoorna’ branches • Aspiring to be a pan-India player in Gold Finance : Building Gold Finance franchise through a planned set-up of 200+ new branches in FY26 in a risk- calibrated manner Champions League top performing 200+ employees felicitated for their extraordinary contribution Zonal Star Awards 1,100+ employees felicitated in Ahmedabad, Patna, Kolkata, Chandigarh, Bengaluru & Chennai Building capabilities in new businesses | Continued employee development initiatives 31 L&T FINANCE Business Update 32 Retail disbursement increased by 25% on YoY basis L&T FINANCE RETAIL FINANCE +25%

Mainly includes

26.0 SOA Downloads Repayment Schedule Payments Statutory Kits (Welcome, NOC etc) Credit Score 9.4 7.6 4.0 4.3 6.4 Servicing channels (% of interactions across channels) Inverting the Servicing Pyramid 41.4 85.8 90.4 101.1 126.6 134.2 122.4 145.0 10.9 6.6 5.0 8.5 5.8 1 2 ’ R A M 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 11.3 7.0 5.6 8.6 5.5 5.8 10.2 6.2 7.0 110.2 102.4 121.6 2.0 1.7 0.4 14% 35% 51% Digital channels Call centre Branches 93% 5% 2% S E P ’ 2 5 61 App as a powerful digital channel for customer (3/3) L&T FINANCE PLANET by L&T Finance received the ‘Best Digital Experience in Finance’ award at the Global Fintech Fest, 2025 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) 98% eNach Penetration (Urban) 38