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

51%

evement status L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY CONSOL ROA Q4: 51% Q4: 10% Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY2

10%

tatus L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY CONSOL ROA Q4: 51% Q4: 10% Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95%

4.08%

ANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY CONSOL ROA Q4: 51% Q4: 10% Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <

1.98%

ILISATION RETAIL GROWTH CONSOL ASSET QUALITY CONSOL ROA Q4: 51% Q4: 10% Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1%

1.33%

RETAIL GROWTH CONSOL ASSET QUALITY CONSOL ROA Q4: 51% Q4: 10% Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3%

1.04%

TH CONSOL ASSET QUALITY CONSOL ROA Q4: 51% Q4: 10% Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% Achievemen

95%

: 10% Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% Achievement status FY26 Q4 : 98% Q4 : 26% Q4: GS3 2.8

25%

Q4: GS3 4.08% NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% Achievement status FY26 Q4 : 98% Q4 : 26% Q4: GS3 2.88% NS3

3%

NS3 1.98% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% Achievement status FY26 Q4 : 98% Q4 : 26% Q4: GS3 2.88% NS3 0.96% Q4: 2.

1%

8% Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% Achievement status FY26 Q4 : 98% Q4 : 26% Q4: GS3 2.88% NS3 0.96% Q4: 2.40% | FY

2.8%

Q4: 1.33% | FY: 1.04% At launch FY22 Lakshya 2026 goals FY26 >95% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% Achievement status FY26 Q4 : 98% Q4 : 26% Q4: GS3 2.88% NS3 0.96% Q4: 2.40% | FY: 2.37

“- Water assessment and benchmarking conducted for top 10 branches to optimize consumption - ~265 lakhs KL of rainwater harvested through project Jalvaibhav creating ~50x water surplus”

“Sequestered ~1,521 tones of CO2e through Project Prakruti, reinforcing our commitment to climate neutrality”

“ISO 26000:2010 Social Responsibility Digital and Financial Inclusion Digital Sakhi Climate Impact Management Project Prakruti (Plantation) | Jalvaibhav 69 Lakh+ community outreach through 2,000+ Digital Sakhi(s) 17,000+ rural women micro entrepreneurs trained 2.68 Lakh plantation providing avenue for income generation of farmers 60,000+ Farmers benefitted from water conservation and management activities 230+ Digital Seva Kendra(s) extending community services Rs.”

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

Mainly includes

1

Solar Infrastructure

1

Water Stewardship

1

Carbon Sequestration

1

Amplifying renewable energy transition

1

Waste Management

1

Energy Assessment

1

Operational Excellence in Relief

1

Digital Security Empowerment

1

Governance Oversight

1

Mainly includes

85.8 90.4 101.1 126.6 134.2 122.4 145.0 155.7 173.8 SOA Downloads Repayment Schedule Payments 9.5 6.6 5.3 Statutory Kits (Welcome, NOC etc) 64.4 9.2 6.9 6.3 74.2 Credit Score 3.8 3.8 Servicing channels (% of interactions across channels) Inverting the Servicing Pyramid 1 2 ’ R A M 11.0 8.0 7.1 75.0 1.6 14% 35% 51% 11.0 10.8 5.5 97.0 11.3 7.0 5.6 110.2 8.6 5.5 5.8 102.4 10.2 6.2 7.0 121.6 9.7 5.9 7.9 9.1 5.5 7.8 132.1 151.5 1.9 2.0 1.7 0.4 0.1 2.0 Digital channels Call centre Branches 95% 4% 1% M A R ’ 2 6 74 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) 99% eNach Penetration (Urban) 43% Digital Collections (Rural) 97% Digital Collections (Urban) Customer focused digital first approach in not only Urban but also in Rural 75 Marked improvement in Rural Digit

Water Stewardship

- Water assessment and benchmarking conducted for top 10 branches to optimize consumption - ~265 lakhs KL of rainwater harvested through project Jalvaibhav creating ~50x water surplus

Carbon Sequestration

Sequestered ~1,521 tones of CO2e through Project Prakruti, reinforcing our commitment to climate neutrality

Waste Management

Assessment and awareness study completed across 50 MCs across 4 zones PAN India Recycling initiative extended to 5 major branches

Digital Security Empowerment

Sensitised customers across 12 cybersecurity best practices locations on Digital Sakhi: Grassroots Financial Inclusion Mobilised 1,160 Sakhis across 8 states and 4,300 villages, reaching 16 lakh+ community members First Aid, CPR and Fire Safety Training: Strengthened emergency response readiness through targeted training to ERT members, housekeeping & security

Governance Oversight

Independent Directors on-ground visits in Karnataka and Kerala to witness the scale and efficacy of the Digital Sakhi program driving rural women's financial transformation.