“L&T Finance FY25: From Bulldozers to Bajaj-Wannabe — Is This the HDFC of Tomorrow?”📉 EduInvesting.in | May 11, 2025
🧾 Financial Blueprint (With Doodles in Margin)
Metric
FY25
YoY Growth
Net Profit
₹2,644 Cr
🟢 +14%
Retail Loan Book
₹95,180 Cr
🛵 +19%
Retailization Ratio
97%
👶 “Corporate who?”
Gross NPA
3.29%
⚠️ Slightly dusty
Net NPA
0.97%
Still manageable
Return on Assets (RoA)
2.44%
🧠 Respectable
Dividend
₹2.75/share
🪙 Paytm can’t relate
🏗️ L&T Finance — From Bricks to EMIs
You know L&T as the guys who build bridges, metros, and dreams. But L&T Finance? They’re now busy building your EMI pile instead.
This year, they went all in on retail finance. Car loans, farm loans, gold loans — every kind of loan that makes you feel rich before making you broke.
Retail now makes up 97% of their book. Corporate loans? Dumped like a gym membership in February.
