L&T Finance Limited (LTF) has submitted an investor and analyst presentation detailing its performance for the third quarter of FY26 (Q3FY26). The company reported a significant 21% year-on-year growth in its retail book, which now stands at ₹1,11,990 crore, contributing to a consolidated book of ₹1,14,285 crore. Retail disbursements saw a substantial 49% YoY increase, reaching ₹22,701 crore, driven by strong performance in Two-Wheeler Finance and Farmer Finance. The Net Interest Margin (NIM) plus Fees for Q3FY26 improved by 19 basis points QoQ to 10.41%. Profit After Tax (PAT) before exceptional items was ₹760 crore, with a Return on Assets (RoA) of 2.37% and Return on Equity (RoE) of 11.38%. The company also highlighted its strategic initiatives under the 'Lakshya 2026' goals, focusing on enhancing customer acquisition, sharpening credit underwriting with AI-driven projects like 'Cyclops' and 'Nostradamus', implementing futuristic digital architecture, heightening brand visibility, and building capabilities. The presentation also detailed improvements in collection efficiencies and asset quality across various business segments, including Rural Business Finance, Farm Equipment Finance, and Two-Wheeler Finance.