Personal loans, 2W to drive growth in H2

L&T Finance is betting on two-wheeler, personal and gold loans to drive growth in H2FY26, backed by GST-led demand and expansion in the branch footprint. In an interview with Kshipra Petkar, MD & CEO Sudipta Roy tells about the company’s digital push, asset quality strategy, and the road map to becoming a fully retail-focused lender within the next three quarters. Excerpts:

- @ SUDIPTA ROY, MD & CEO, L&T FINANCE

Which are the top three segments to fuel growth in H2?

The GST 2.0 reforms unleashed a lot of pent-up demand, so we are likely to see growth in the two-wheeler, personal loan and gold loan segments. We believe there is a good opportunity to grow the microfinance disbursements in a risk-calibrated fashion. If the number of launches increases after Diwali, we can see some buoyancy in the housing segment.

How do you see growth in the gold loan segment?

The demand is very good. Disbursements via all the 130 branches have grown. We plan to open 200 branches before the year-end. I expect the business to show a very good momentum in terms of disbursements for rest of the year.

In which areas are these branches being set up?