Credit Services
L&t Finance Limited (LTF) Q1fy27: Highest Ever PAT of Rs. 902 Crore, Retail Book Growth of 28% Yoy
L&T Finance Limited (LTF) reports highest ever PAT of Rs. 902 Crore for Q1FY27, up 29% YoY, with retail book growth of 28% YoY.
L&T Finance Limited (LTF) has announced its financial results for the first quarter ended June 30, 2026, marking a significant milestone with the highest ever consolidated Profit After Tax (PAT) of Rs. 902 Crore, up 29% year-on-year (YoY). The company also achieved its highest ever consolidated book of Rs. 1,29,634 Crore, up 27% YoY. These impressive figures underscore the company’s robust performance and strategic growth trajectory under its Lakshya 2031 plan.
Strong Retail Book Growth
The retail book for the quarter stands at Rs. 1,27,535 Crore, registering a growth of 28% YoY against a target of 20% YoY. This strong start aligns with the company’s goal of disciplined execution amidst an evolving macroeconomic environment. The retail disbursements for Q1FY27 stand at Rs. 23,852 Crore, up 36% YoY, highlighting the company’s diversified retail franchise and resilient business model.
Technology-Driven Growth
L&T Finance Limited has been accelerating its technology deployment to transform into an AI-native lender. The company’s in-house AI credit engine ‘Project Cyclops’ and other AI-led initiatives have enabled superior credit selection, improved customer experience, faster turnaround times, and enhanced operating efficiencies. This focus on technology has been a key differentiator, driving consistent growth and profitability.
As the company embarks on the first full year of its Lakshya 31 journey, the focus remains on delivering consistent, profitable, and high-quality growth. LTF will continue to invest in innovation, strengthen its distribution capabilities, and enhance customer experience to build a future-ready, AI-native financial institution.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of L&T Finance Limited
L&T Finance Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.
L&T gains 15.4% over three months and trades near its 52-week highs. Industry-leading margins of 33.1% reflect exceptional pricing power and operational efficiency. The business compounds revenue at 17.7% and profits at 22.5% CAGR. That is strong double-digit growth on both counts. Buyers show up with 2.0x the volume of sellers. Moreover, they dominated on 17 of recent sessions versus 13 for sellers — a healthy accumulation pattern. Both the business and the stock move in the right direction. Revenue grows at 17.7%, profits at 22.5%, and the PEG sits at 1.20 — below its growth rate. That combination is rare. Check Fundamentals of L&T Finance Limited.
Credit Services
Creditaccess Grameen Limited Expands its Global Lender Base with USD 175 Million Syndicated Social Loan Facility
CreditAccess Grameen Limited (NSE: CREDITACC) broadens its global lender base with a USD 175 million syndicated social loan facility, reflecting internationa.
CreditAccess Grameen Limited (NSE: CREDITACC), India’s leading rural focused inclusive financing platform, has broadened its global lender base with a USD 175 million syndicated social loan facility. This marks the fifth ECB syndication transaction successfully completed by CA Grameen over the past five years, mobilising USD 640 million till date.
Strong International Participation
Despite global macroeconomic uncertainties and heightened competition in the ECB market from FCNR (B) deposits mobilisation, the syndication transaction received strong response coupled with competitive loan pricing and secured participation from ten financial institutions across Asia and the Middle East & Africa regions.
Continued Confidence in CA Grameen’s Business Model
The transaction reflects the continued confidence of international lenders in CA Grameen’s business model and corporate governance standards. The Company currently holds around 24% of its liability profile in foreign borrowings, building a strong lender base across 15 countries.
Commenting on the transaction, Mr. Nilesh Dalvi, Chief Financial Officer, CreditAccess Grameen, remarked, “The successful closure of the USD 175 million facility at competitive pricing, amidst global macroeconomic uncertainties and heightened competition from FCNR(B) deposits mobilisation, demonstrates the strength of CA Grameen franchise and the confidence we have earned from international lenders.”
As CA Grameen continues to diversify its sources of funding, its focus remains on optimising funding costs, maintaining a robust asset-liability management (ALM) profile, and strengthening balance sheet resilience to support sustainable growth and its long-term commitment to financial inclusion.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of CREDITACCESS GRAMEEN LIMITED
CREDITACCESS GRAMEEN LIMITED belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.
CREDITACCESS falls 17.1% over three months and has not found a floor yet. D/E reaches 2.94. High leverage in this environment is a material risk the market cannot ignore. Industry-leading margins of 39.8% reflect exceptional pricing power and operational efficiency. The stock holds at 30% of its 52-week range with RSI at 39. In other words, neither side has a clear edge right now. Revenue grows at 20.9% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of CREDITACCESS GRAMEEN LIMITED.
Credit Services
Poonawalla Fincorp Limited (poonawalla) Q2fy27: Sustainable, Predictable, and Productive Performance
Poonawalla Fincorp Limited (POONAWALLA) reports Q2FY27 results with sustainable growth, a 21.8% QoQ PAT increase, and robust AUM expansion.
Poonawalla Fincorp Limited (POONAWALLA) has unveiled its Q2FY27 results, showcasing a sustainable, predictable, and productive performance. The company reported a 21.8% quarter-over-quarter (QoQ) increase in PAT, reaching ₹375 crore in Q2FY27, up from ₹308 crore in Q1FY27. The company’s asset under management (AUM) also saw strong growth, with a healthy momentum across all retail products, contributing 18% to AUM. The company’s prudent risk management and disciplined execution further bolstered its financial health.
Financial Highlights
The company’s net interest income (NII) includes fees and other income, highlighting a robust performance. The PAT increase was complemented by a 11.8% QoQ expansion in the profit pool per opportunity (PPOP), reflecting strong operating leverage. The company’s asset quality improved with a reduction in gross non-performing assets (NPA) by 17 basis points QoQ and 39 basis points year-over-year (YoY). Additionally, the company successfully expanded its gold loan branches to 550, strengthening its distribution reach.
Capital Augmentation
In April 2026, Poonawalla Fincorp Limited raised ₹2,500 crore via a qualified institutional placement, resulting in a debt-to-equity ratio of 4.30x as of September 2026. The company aims to continue growing its AUM at a CAGR of 35-40% over the next couple of years. The capital raise has provided the company with a solid foundation to scale its operations and drive future growth.
Looking ahead, Poonawalla Fincorp Limited remains committed to its vision and mission of being the most trusted financial services brand. The company’s focus on digital-first and risk-first approaches, along with its customer-centric strategy, positions it well for sustained profitability and growth.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Poonawalla Fincorp Limited
Poonawalla Fincorp Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.
Poonawalla falls 8.2% over three months and has not found a floor yet. D/E reaches 3.19. High leverage in this environment is a material risk the market cannot ignore. Margins at 22.7% are impressive but need to be sustained — any compression would be a red flag. The stock holds at 42% of its 52-week range with RSI at 43. In other words, neither side has a clear edge right now. The stock rises -8.2% in three months on 51.4% revenue growth. As a result, the market gives it more credit than the fundamentals strictly justify. Watch the next quarterly results. If growth accelerates, the move makes sense. If not, expect some gains to unwind. Check Fundamentals of Poonawalla Fincorp Limited.
Credit Services
Moneyboxx Finance Limited (moneyboxx): Reaches ₹1,000 Crore Total Assets Milestone
Moneyboxx Finance Limited (MONEYBOXX) achieves ₹1,000 crore total assets milestone, qualifying as Middle Layer NBFC.
Moneyboxx Finance Limited (MONEYBOXX) has achieved a significant milestone by surpassing ₹1,000 crore in total assets as of September 30, 2026. This accomplishment marks the company’s entry into the Middle Layer NBFC (NBFC-ML) category under the Reserve Bank of India’s framework. The total assets figure, based on provisional, unaudited management accounts, signifies the growing scale and maturity of Moneyboxx’s lending platform.
Diversified Financial Services
Moneyboxx has developed a diversified financial-services platform focused on underserved micro and small enterprises. The company offers secured MSME finance, livestock finance, rooftop solar finance, and digital lending. This diversification has enabled Moneyboxx to cater to various financial needs in semi-urban and rural India.
Strengthening Business Foundations
As the business has scaled, Moneyboxx has strengthened its portfolio quality, institutional funding relationships, technology platform, risk-management framework, and governance capabilities. This focus on building robust foundations has been instrumental in the company’s growth journey.
Looking Ahead
Mr. Deepak Aggarwal, Co-Founder and Co-CEO of Moneyboxx Finance Limited, expressed his pride in reaching this milestone. He emphasized the company’s commitment to disciplined growth, strong asset quality, and improving operating efficiency. Moneyboxx will continue to comply with all applicable regulatory requirements and remains focused on responsible lending and governance.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Moneyboxx Finance Limited
Moneyboxx Finance Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.
Moneyboxx falls 12.4% over three months and has not found a floor yet. Razor-thin margins below 5% make profitability extremely vulnerable — this business needs scale or pricing power urgently. Revenue consistency is the one bright spot — zero dips in five years shows operational resilience. Sellers drive 1.9x the volume of buyers. Furthermore, they controlled 14 of recent sessions versus 15 for buyers — a clear distribution signal. Revenue grows at 59.7% yet the PEG reaches 99.00 — expensive for that growth. Furthermore, the stock drops 12.4% in three months. Neither value nor momentum supports this setup. It needs an earnings beat or a price reset first. Check Fundamentals of Moneyboxx Finance Limited.
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