L&T Finance's strategic moves paying off, strong returns & growth expected

L&T Finance is strengthening its market position with a focus on asset quality and leveraging AI-powered platforms like Project Cyclops

L&T Finance (LTF) continues to pursue a strategy of balancing growth with maintaining asset quality while utilising its proprietary platform, Project Cyclops, to maintain credit discipline. Since March 2025, the L&T Finance stock has delivered 60 per cent returns. 

The non-banking financial company (NBFC), LTF is focused on acquiring high-quality customers and mai­n­taining collection efficiency. It is leveraging technology through Project Cyclops, an AI-powered underwriting engine. All 2-wheeler disbursements are processed through Cyclops, and asset quality has seen improvement, with net defaults dropping to 0.34 per cent in Jun’25 from 2.36 per cent in Dec’24. The