L&T Finance - L&T Financial Services

Key Features

Attractive Interest Rates

Customised Products

Simple Documentation Process

Designated Relationship Manager

About Us

L&T Finance is an NBFC that offers a wide range of lending products, including Home loans, Two-Wheeler loans, Micro loans, SME Loans, Farm Loans and Consumer loans, to meet the diverse financing needs of both, the served and the underserved customers. The company's customer-centric approach and focus on innovation ensures customised financial solutions for every customers' financial journey.

Board of Directors

Mr. Dinanath Dubhashi

Non - Executive Director

Mr. P.V Bhide

Independent Director

Dr. (Mrs.) Rajani R. Gupte

Independent Director

Mr. Thomas Mathew T

Independent Director

Ms. Nishi Vasudeva

Independent Director

Mr. Rishi Mandawat

Non-Executive Director

Mr. Sachinn Joshi

Whole-time Director

Mr. Dinanath Dubhashi

Non - Executive Director

With a rich experience of over three decades, Mr. Dubhashi has worked in multiple domains of Financial Services such as Retail & Infrastructure lending, Rural Finance, Corporate Banking, Cash Management, Credit Ratings, Insurance and Wealth Management.

He has been associated with LTFH since 2007 and has been instrumental in scaling up the retail business operations manifold, across customer segments and geographies. During his tenure as MD & CEO, since 2016, LTFH has achieved several market leading positions in Farm Equipment Finance, Two-Wheeler Finance, Micro Loans and Renewable Power Finance.

The strategy roadmap defined under his leadership has transformed LTFH into an organisation focused on delivering sustainable returns through decisive strategic choices. The increase in retail proportion of loan book under his leadership, to 51% in FY22, has been built on the foundations of distinctive digital and analytics-based offering and a robust risk management framework.

As a part of his professional journey, he has also been associated with organisations such as BNP Paribas, CARE Ratings and SBI Capital Markets in various capacities.

He has been co-chairing the FICCI Committee on NBFCs since 2018 and is also on the Board of the Finance Industry Development Council (FIDC). . He is a Postgraduate from IIM Bangalore and holds a B.E. (Mechanical) degree.

Mr. P.V Bhide

Independent Director

Mr. P V, Lead Independent Director, Bhide has worked in several government positions during a career spanning over four decades. Some of his roles include Secretary, Department of Revenue, Ministry of Finance; Secretary and Joint Secretary, Department of Disinvestment, Ministry of Finance; Additional Secretary/Spl. Secretary, Ministry of Home Affairs; Deputy Secretary, Department of Economic Affairs, Ministry of Finance. He has also held various other key positions across departments.

He is a retired IAS Officer with an MBA, LLB and BSc degree.

Dr. (Mrs.) Rajani R. Gupte

Independent Director

Dr. Rajani R. Gupte had done Ph. D in Economics from Gokhale Institute of Politics and Economics, Pune University, on the topic "The impact of trade liberalisation on the level of protection of Indian Industry".

Currently, Dr. Gupte is the Vice Chancellor of Symbiosis International University, Pune. During the period 2004-2012, she had also served as a Director of Symbiosis Institute of International Business (SIIB). She was actively involved in establishing SIIB as one of the leading B-Schools in India.

In the past, she has also worked as Director-Finance, in a Private Limited Company, wherein she has handled Finance operations seamlessly.

She had earlier served as a Dean and Pro Vice Chancellor of Symbiosis International University. She had also served as member WTO committee, Government of Maharashtra, Department of Horticulture during the period 2002-06. She was invited to be a part of a committee of eminent economists formed by NITI Aayog to interact with the Honourable Prime Minister on "Economic Policy: The Road Ahead" in January 2018.

Mr. Thomas Mathew T

Independent Director

Thomas Mathew T. has over four decades of strategic leadership and operational experience in the Life Insurance & Reinsurance industry. He was the Managing Director and Interim Chairman of L.I.C. He was also India MD & CEO of 'Reinsurance Group of America'. He was nominated by SEBI as the Chairman of the Metropolitan Stock Exchange of India. He has served as Director on the Boards of Mahindra & Mahindra Limited, Tata Power Co. Limited, Voltas Limited, IFCI Limited and Corporation Bank. He was a member on the Governing Council of the MDI, Gurgaon, Actuarial Institute of India & Chairman of The National Insurance Academy, Pune.

He is a Director on the Boards of PTC India Financial Services Limited, Canara HSBC OBC Life Insurance Company, LIC (International) B.S.C.(c), Bahrain and subsidiaries of the Company. He is also member of the 'Take Over Panel' of SEBI.

Ms. Nishi Vasudeva

Independent Director

Nishi Vasudeva is an internationally acclaimed leader and is the first woman to chair an oil and gas company in India.

She represented HPCL as Chairman / Director on the board of several Joint Venture companies. She was responsible for developing the vision and long term objectives, improving growth and profitability, driving a high performance culture geared towards operational excellence and consistent value creation for shareholders & all stakeholders.

Prior to assuming responsibility as C&MD, she served on HPCL Board as Director-Marketing and was responsible for pan India sales (B2B & B2C segments), Brand building, Efficient supply chain management, Infrastructure development and leading HPCL foray into new business lines.

Her career at HPCL included leadership positions in Marketing, Corporate Strategy, Planning and Information systems and has led key business transformation & organizational restructuring projects.

She is the first Indian to be awarded the Global CEO of the year at Platt’s Global energy awards 2015. She received the SCOPE Award for excellence and outstanding contribution to Public sector Management from the Hon’ble President of India and was also recognized with Outstanding Women Manager Award by SCOPE.

She has been a member in several committees for development of policy in the Oil Industry and Hydrocarbon sector in India.

She holds BA (Economic Honours) from Delhi University and an MBA from IIM Calcutta with over 38 years of experience in the petroleum industry.

Mr. Rishi Mandawat

Non-Executive Director

Mr. Rishi Mandawat is the Principal of Bain Capital and leads Investment and Coverage in the Financial Service, Industrial and Energy Sectors.

Prior to joining Bain Capital, Mr. Mandawat worked at McKinsey and Company in the Delhi office on a number of strategic and operational issues for clients in the electric power and energy, construction, retail and automotive, sectors. Prior to joining McKinsey, he worked in the as a finance controller for two business units in ABB in India. Mr. Mandawat was a summer analyst at P&G in Mumbai during his MBA at IIM, Ahmedabad.

Mr. Mandawat received his MBA from the Indian Institute of Management, Ahmedabad and his B.Com from Jodhpur University. Mr. Mandawat is also a Chartered Accountant from the Institute of Chartered Accountants of India.

Mr. Sachinn Joshi

Whole-time Director

Mr. Sachinn Joshi leads Finance & Accounts, Financial Planning & Analysis, Treasury, and Investor Relations functions as the Group Chief Financial Officer.

He has over 27 years of experience with expertise in finance and operations. These include setting up business & treasury operations, risk & credit control, human resource management, public listing, strategic planning and crisis management.

Previously, Mr. Joshi worked with Aditya Birla Finance as the Chief Financial Officer heading Treasury, Finance, Secretarial & Statutory Compliance, and Admin verticals. He was the Executive Director & CFO at Angel Group, heading strategy and finance. At IL&FS, he worked across various capacities including that of CFO, COO and Executive Director - Finance & Operations. In this role, he played pivotal role in setting up of wholesale and retail businesses at one of its subsidiary IL&FS Investsmart.

Mr. Joshi is a qualified Chartered Accountant and a Cost Accountant. He has also done his post-graduation in Law and has completed Business Leadership Program from IIM Calcutta. He is an avid runner and regularly participates in full as well as half marathons, loves travelling and watching sports particularly cricket.

L&T Finance Investors Information & Policies

Corporate Governance
Investors

Annual Reports
Public Issues of NCD's
Reports And Filings
Market Linked Debentures
Literature And Downloads
Liquidity Risk
Unclaimed/Unpaid Refund Status
Important Information-Infra Bondholders
Debt Related Filings
Credit Ratings
Scheme Of Arrangement

Annual Reports

Select Financial Year

Public Issues of NCD's

Reports And Filings

Market Linked Debentures

Literature And Downloads

Liquidity Risk

Unclaimed/Unpaid Refund Status

Important Information-Infra Bondholders

Debt Related Filings

Credit Ratings

Debt instruments issued by L&T Finance Limited, has received the highest credit ratings from:

- CRISIL (a Standard & Poor’s Company)
- CARE Ratings
-ICRA (a Moody’s Investors Service Company)
- India Ratings

Scheme Of Arrangement

Connect with Our Key People

Registered Office

L&T Finance Limited

15th Floor, PS SRIJAN Tech Park, Plot No 52, Block DN, Sector-V, Salt Lake City, Kolkata – 700 091, District 24-Parganas North

+91 22 6212 5000

Registrar and Share Transfer Agent

M/s. Link Intime India Private Limited

C 101, 247 Park, LBS Marg, Vikhroli West, Mumbai - 400083

022-49186262 1800 102 7796 bonds.helpdesk@linkintime.co.in

Debenture Trustees

IDBI Trusteeship Services Limited

Asian Building, Ground Floor, 17, R. Kamani Marg, Ballard Estate, Mumbai – 400 001.

022 - 4080 7000 Fax: 022 - 6631 1776 itsl@idbitrustee.com

Catalyst Trusteeship Limited

GDA House, Plot No 85, Bhusari Colony (Right), Paud Raod, Pune – 411038

020-66807200/7223/7224-209 dt@ctltrustee.com Fax: 020-8280275

Beacon Trusteeship Limited

4C & D, Siddhivinayak Chambers, Gandhi Nagar, Opp. MIG Cricket Club, Bandra (East), Mumbai 400 051

022-2655 8759 info@beacontrustee.co.in Fax: 022-26558759

Grievance Redressal Officer

Mr. Vinod Varadan

L&T Finance, 2nd Floor, Brindavan, Plot No 177 C.S.T Road, Kalina, Santacruz (East), Mumbai - 400 098

1800 102 0476 gro@ltfs.com

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Statutory Auditor

Kalyaniwalla & Mistry LLP

Esplanade House, 29, Hazarimal Somani Marg, Fort, Mumbai 400 001

+91 22 6158 6200 +91 22 6158 6275 roshni.marfatia@kmllp.in

MSKA & Associates

602, Floor 6, Raheja Titanium, Western Express Highway, Geetanjali Railway Colony, Ram Nagar, Goregaon(E), Mumbai 400063.

+91 22 6831 1600

Company Secretary & Compliance Officer

Ms. Apurva Rathod

L&T Finance Limited, 6th Floor, Brindavan, Plot No. 177, C.S.T Road, Kalina, Santacruz (East), Mumbai - 400 098

Nodal Officer

Mr. Keshav Loyalka

L&T Finance Limited, 2nd Floor, Brindavan, Plot No. 177, C.S.T Road, Kalina, Santacruz (East), Mumbai - 400 098

secretarial@ltfs.com

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