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L&T Finance Ltd. is a Non-Banking Financial Company (NBFC) operating in India, providing a range of financial products and services to both rural and urban markets. It is part of the Larsen & Toubro Group and classified by the Reserve Bank of India as an Upper Layer NBFC. The company has a pan-India distribution network with extensive digital integration. L&T Finance Ltd. is currently transitioning towards a retail-focused business model under its Lakshya 2026 strategic framework. Additionally, it has filed an application for registration as a Systemically Important Non-Deposit Accepting Core Investment Company (NBFC-CIC). Its industry classification includes Financial Services and NBFC sectors.