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22-Jan-2025

L&T Finance

Retail loan growth healthy at 23%, rural business segment shows high slippages


'L&T Finance has recorded 2% decline in net profit to Rs 626.40 crore in the quarter ended December 2024 (Q3FY2025). The consolidated income from operations increased 15% to Rs 3806.38 crore for the quarter ended December 2024, while other income of the company jumped 9% to Rs 298.75 crore. The total income increased 15% to Rs 4105.13 crore for Q3FY2025.

Interest expenses increased 16% to Rs 1569.24 crore. Operating expenses increased 19% to Rs 1021.59 crore, allowing the operating profits to improve 11% at Rs 1514.30 crore. The cost-to-income ratio was steady at 40.3% in Q3FY2025 from 38.6% in Q3FY2024.

Depreciation declined 24% to Rs 36.19 crore, while provisions fell 27% to Rs 654.21 crore. Profit before tax surged 0% yoy basis at Rs 823.90 crore.

Effective tax rate increased to 24.1% in Q3FY2025 from 22.4% in Q3FY2024. Net Profit of the company, after share in profit of associates and non-controlling interest, improved -2% to ...



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