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L&T Finance has unveiled \u201cLakshya 2031,\u201d a long-term strategic roadmap aimed at transforming the company into a risk-first, tech-first, AI-enabled retail financier. The initiative marks a decisive shift toward deep technology integration across lending, underwriting, collections, and customer engagement, positioning LTF among India\u2019s most advanced digital-first non-banking financial companies (NBFCs).<\/p>
At its core, Lakshya 2031 is built on a granular, bottom-up business strategy, combined with peer benchmarking and the company\u2019s existing strengths. The vision is to establish LTF as a premier AI-enabled BFSI institution by accelerating innovation, improving portfolio resilience, and driving operational efficiency through technology.<\/p>
Strategic pillars<\/strong><\/p> The roadmap focuses on building a diversified and cycle-resilient loan book with an optimal mix of secured and unsecured lending. It also emphasizes AI-led cross-selling capabilities and productivity gains through automation and streamlined processes.<\/p> Under Lakshya 2031, LTF has outlined ambitious yet structured financial goals:<\/p> Loan book growth of over 20% These targets reflect a balanced approach\u2014prioritising growth while maintaining asset quality and profitability.<\/p> AI at the centre of transformation<\/strong><\/p> A key differentiator of Lakshya 2031 is LTF\u2019s aggressive deployment of artificial intelligence across operations. The company has already demonstrated tangible outcomes from its AI-led initiatives.<\/p> In its two-wheeler financing segment, \u201cProject Cyclops\u201d has significantly outperformed industry benchmarks. The portfolio reported a delinquency rate of just 2.8% (30+ days past due), compared to the industry average of 7.1%, indicating superior credit assessment and monitoring.<\/p> On the collections side, LTF has transitioned from traditional NLP-based bots to advanced GenAI-powered systems. These AI bots handled over 72 lakh customer interactions across 10 Indian languages in FY26 and contributed to collections exceeding \u20b94,000 crore. Notably, the cost per resolution through AI bots stands at around \u20b910\u2014dramatically lower than traditional phygital collection methods, which are 40\u201350 times more expensive.<\/p> Efficiency gains are also visible in underwriting. AI-driven tools under \u201cProject Helios\u201d have reduced turnaround times for SME loans\u2014from 21 to 14 hours for self-employed professionals and from 37 to 25 hours for non-professionals. LTF has deployed 10 enterprise-wide AI co-pilots across functions such as fraud detection, legal processing, and credit evaluation.<\/p> Improving credit outcomes<\/strong><\/p> AI interventions have also strengthened early-stage credit behaviour. Net Non-Starter (NNS) rates\u2014customers missing their first EMI \u2014 have declined sharply in both two-wheeler and farm equipment financing segments since 2024.<\/p> On the customer front, LTF\u2019s PLANET app has emerged as a key digital channel, surpassing 2.4 crore downloads as of March 2026. The platform has enabled collections of over \u20b99,500 crore, serviced more than 12 crore requests, and sourced loans worth around \u20b929,000 crore.<\/p> <\/div> #Lakshya #LampT #Finance #plans #AIled #retail #lender1777140539<\/p> ","protected":false},"excerpt":{"rendered":" L&T Finance has unveiled \u201cLakshya 2031,\u201d a long-term strategic roadmap aimed at transforming the company into a risk-first, tech-first, AI-enabled retail financier. The initiative marks a decisive shift toward deep technology integration across lending, underwriting, collections, and customer engagement, positioning LTF among India\u2019s most advanced digital-first non-banking financial companies (NBFCs). At its core, Lakshya 2031 […]<\/p>\n","protected":false},"author":1,"featured_media":7195,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[6915,4224,26734,5235,14340,521,1613],"class_list":["post-7194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-content-marketing","tag-ailed","tag-finance","tag-lakshya","tag-lampt","tag-lender","tag-plans","tag-retail"],"acf":[],"_links":{"self":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/posts\/7194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7194"}],"version-history":[{"count":0,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/posts\/7194\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=\/wp\/v2\/media\/7195"}],"wp:attachment":[{"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7194"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/longzhuplatform.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Credit cost maintained below 2%
Return on Assets (RoA) in the range of 3%\u20133.2%
Return on Equity (RoE) between 16%\u201318%<\/p>