Vision

To become India's pre-eminent Risk-first, Technology-first, multi-product retail financier of choice.

Lakhsya 2026 : Goals vs. Achievements

Moving from a ‘product-focused’ to a ‘customer-focused’ approach.

FY26 - Disciplined execution in a dynamic business environment

• Highest ever consolidated PAT of ` 3,003 crore (before the effect of New Labour Code considered in Q3 FY26), registering 14% year-on-year (YoY) growth
• Strong retail franchise with a Retail Book Size of ` 1,19,508 Crore, up 26% y-o-y
• Highest ever annual retail disbursements stood at ` 83,213 Crore, up 39% y-o-y

Key Achievements

• Concluded the Lakshya 2026 strategic plan, achieving most of the stated objectives
• Operationalised Project Cyclops, LTF’s proprietary AI- based credit engine across Two-Wheeler Finance, Farm Equipment Finance, SME Finance, and Personal Loans
• Launched Project Nostradamus, an industry-first AI- driven portfolio management engine
• Introduced Project Helios, our AI co-pilot that cuts SME assessment times to under 30 minutes
• Introduced Project Orion, which acts as a conversational AI tool, a co-pilot for the credit team to manage portfolios, enhancing risk assessment and customer experience through automated intelligence
• Launched ‘Partner PLANET’ app to offer a complete service suite for dealer partners
• Enhanced operational efficiency with Knowledgeable AI (KAI), an agentic solution managing automated collection calls in over 10 languages across multiple business lines
• LTF solidified its position as a premier AI thought leader by successfully hosting the second edition of its flagship AI summit, RAISE, which attracted 4,500 attendees and united major tech visionaries
• Launched Pitch Point, an AI startup pitch platform to cultivate the fintech AI entrepreneur ecosystem
• Successfully integrated and rapidly expanded its newly acquired Gold Finance business, scaling up to 330 dedicated branches, which included launching and expanding multi-product 'Sampoorna' branches
• Launched ‘Spoorthi,’ a specialised programme for women Home Loan and Loan Against Property (LAP) borrowers with relaxed eligibility and reduced interest rates
• Market presence and brand visibility were significantly amplified through targeted, tech-driven campaigns like Just Zoom Two-Wheeler Loans and Aapke Business Ka Game Changer, featuring brand ambassador Jasprit Bumrah
• Earned the Great Place To Work® re-certification, achieving an improved employee satisfaction score of 84, alongside an 89% participation rate

Rural Business Finance

• Book size up 17% to ` 30,805 Crore vs. ` 26,320 Crore y-o-y
• Performance was boosted by continuous efforts on improving collection efficiency, which reached 99.8% by the end of FY26, and tapping disbursement opportunities as regional event risks abated

Farmer Finance

• Book size up 12% to ` 16,970 Crore vs. ` 15,219 Crore y-o-y
• Growth was catalysed by favourable monsoon conditions and the strategic impact of GST 2.0 reforms, which lowered tractor tax rates and significantly boosted demand

Urban Finance

• Book size up 29% to ` 59,048 Crore vs ` 45, 897 Crore y-o-y
• Driven by better customer profiling through Project Cyclops. LTF successfully scaled high-growth areas by leveraging festive demand, regulatory changes, and strengthened digital partnerships. Housing Loans and LAP maintained a steady trajectory through network and partnership expansion

SME Finance

• Book size up 30% YoY to ` 8,507 Crore in Q4FY26 vs. ` 6,524 Crore in Q4FY25
• LTF focused on risk-calibrated growth. By integrating the Project Cyclops underwriting model and increasing direct sourcing, it effectively captured market opportunities while maintaining operational discipline

Sustainability

• Became a signatory to the United Nations Global Compact (UNGC), the world’s largest corporate sustainability initiative
• Received a CRISIL ESG Score of 70, categorised as ‘Strong’ and recognised as the highest-rated entity among the listed NBFCs covered by CRISIL
• Ranked #1 in India’s Most Sustainable Companies (IMSC) – Financial Services category
• Partnered with PCAF to host the inaugural PCAF India Summit, advancing climate finance and financed emissions dialogue in India
• Maintained Water Positive (Surplus) status from FY2022-23 onwards

Social Impact

• Overall community outreach since FY2016-17 is 78 lakh+ across 15 states, 29 districts, 4,950+ villages
• Over 15.80+ lakh community members reached under the Digital Sakhi project across 8 States and 4,300+ villages
• Over 1 lakh relief kits distributed amongst the community for disaster relief
• Over 18,000 school children are sensitised on road safety
• Under Project Prakruti, 2.68 lakh plantations were provided for the income generation of farmers
• Under the Jalvaibhav Project, 265 lakh Kl of water was replenished through watershed initiatives