Sudipta Roy of L&T Finance Holdings, discusses the company s future targets and growth trajectory. He mentions that the retail growth has exceeded their Lakshya 2026 target for the third consecutive quarter, with all segments contributing satisfactorily. While the wholesale book has been reduced, the retail book is expected to grow strongly. The company s NII is higher than expected due to the shift towards higher-yield retail products. Roy also expects a slight increase in the cost of borrowing.
Retailisation portfolio of L&T Finance Holdings is estimated at 91 percent for the quarter ended December 31, 2023 compared with 64 percent for the quarter ended December 31, 2022.