AUM growth of 20%+ in FY27
Management expects sustained momentum with AUM growth exceeding 20% supported by robust consumer demand across urban finance, gold loans, and rural franchise.
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L&T Finance · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
Credit cost to decline to 2-2.2% by Q4 FY27
Credit cost expected to trend lower as newer portfolios season and AI underwriting frameworks mature, targeting 2-2.2% by exit Q4 FY27.
ROA of at least 2.8% by Q4 FY27
Targeting return on assets of at least 2.8% by the last quarter of FY27, driven by operating leverage and lower credit costs.
NIM plus fees to remain in 10-10.5% range
Management expects NIM plus fees to remain stable in the guided range of 10-10.5% for FY27.