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'Betting on disciplined retail growth'
Financial Express Chandigarh
|January 17, 2026
L&T Finance posted an 18% year-on-year growth in net profit for the third quarter, with its retail book expanding 21% to ₹1.11 lakh crore.
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MD & CEO Sudipta Roy speaks with Kshipra Petkar on sustaining the retail growth momentum and scaling up the gold loan book. Excerpts:L&T Finance has delivered another strong quarter. How do you plan to sustain this momentum in retail over the next 2-3 years? There is no shortcut or magic formula. Sustaining momentum is about relentless execution. We are expanding distribution, improving its granularity, and ensuring that credit quality remains pristine. Our philosophy is very clear—we want to be risk-first and tech-first. As long as credit costs remain stable, it gives us the confidence to grow in a calibrated manner.
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