- October 14, 2025
- 8:00 am
- Goodluck Capital
Short term swing trade | Buy NSE: LTF | 6-8% target | Indian stock trading idea on 14 Oct 2025
NOTE
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Closing Price: ₹266.60 (as of Oct 13, 2025)
-
StopLoss*: Apply on the daily close. After the first target, reset the StopLoss to your buying price.
-
Duration^: Approximate holding period based on the active trading days (excluding market holidays). Actual holding may vary with the market conditions.
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Upside Potential#: Based on median of the suggested buy range.
L&T Finance Limited is a non-banking financial company (NBFC) based in Mumbai, India. Incorporated in 1994, it operates as a subsidiary of Larsen & Toubro Limited. The company offers a wide range of financial products and services, including housing loans, personal loans for various needs such as education, weddings, travel, and medical expenses, as well as two-wheeler and business loans for SMEs, professionals, and supply chain financing. It also provides rural and farmer-focused loans, including Vikaas, Vishwas, Pragati, and micro loans, along with tractor, agri-equipment, and warehouse financing solutions. Formerly known as L&T Finance Holdings Limited, the company changed its name to L&T Finance Limited in March 2024.
Website: https://www.ltfinance.com
Q1 FY26 Earnings Call Summary & Results Highlights
Earnings Call Summary
- Strong Quarter: Net profit up 10% to ₹701 cr; loan book crossed ₹1 lakh crore milestone; return on assets improved to 2.37%; retail disbursements grew 18% YoY to ₹17,522 cr.​
- Gold Loan Business Launched: Acquired Paul Merchants' gold loan business (130 branches, ₹1,300 cr book) in 2 months; expanding to 300+ branches by FY26-end to reach 65 lakh rural customers.​
- AI-Driven Credit System: Project Cyclops now processes 100% of two-wheeler loans, cutting defaults by 200 bps in 5 months; rolling out to tractors, SME, and personal loans.​
- First International Rating: Received BBB- investment grade ratings from S&P and Fitch (matching India's sovereign rating), enabling cheaper overseas fund-raising.​
- Rural Business Recovery: Karnataka collections improving; good monsoon (10% above normal) supporting rural growth; focus on prime customers (84% of two-wheeler loans vs 53% earlier).
Results Highlights
| Mertrics | Q1FY26 | Q4FY25 | Q1FY25 | Q/Q(%) | Y/Y(%) |
|---|---|---|---|---|---|
| Total Operating Revenue (Cr.) | 4260 | 4023 | 3784 | 5.89 | 12.58 |
| Total Operating expenses (Cr.) | 1640 | 1581 | 1482 | 3.73 | 10.66 |
| EBITDA (Cr.) | 2620 | 2442 | 2302 | 7.29 | 13.81 |
| NET P/L (Cr.) | 701 | 636 | 685 | 10.22 | 2.34 |
| EPS(INR) | 2.81 | 2.55 | 2.75 | 10.20 | 2.18 |
Q1 FY26 Earnings Call Summary & Results Highlights
Earnings Call Summary
- Strong Quarter: Net profit up 10% to ₹701 cr; loan book crossed ₹1 lakh crore milestone; return on assets improved to 2.37%; retail disbursements grew 18% YoY to ₹17,522 cr.​
- Gold Loan Business Launched: Acquired Paul Merchants' gold loan business (130 branches, ₹1,300 cr book) in 2 months; expanding to 300+ branches by FY26-end to reach 65 lakh rural customers.​
- AI-Driven Credit System: Project Cyclops now processes 100% of two-wheeler loans, cutting defaults by 200 bps in 5 months; rolling out to tractors, SME, and personal loans.​
- First International Rating: Received BBB- investment grade ratings from S&P and Fitch (matching India's sovereign rating), enabling cheaper overseas fund-raising.​
- Rural Business Recovery: Karnataka collections improving; good monsoon (10% above normal) supporting rural growth; focus on prime customers (84% of two-wheeler loans vs 53% earlier).
Results Highlights
| Mertrics | Q1FY26 | Q4FY25 | Q1FY25 | Q/Q(%) | Y/Y(%) |
|---|---|---|---|---|---|
| Total Operating Revenue (Cr.) | 4260 | 4023 | 3784 | 5.89 | 12.58 |
| Total Operating expenses (Cr.) | 1640 | 1581 | 1482 | 3.73 | 10.66 |
| EBITDA (Cr.) | 2620 | 2442 | 2302 | 7.29 | 13.81 |
| NET P/L (Cr.) | 701 | 636 | 685 | 10.22 | 2.34 |
| EPS(INR) | 2.81 | 2.55 | 2.75 | 10.20 | 2.18 |
Price Performance & Volume Analysis
Price Performance
Volume Analysis
Price Performance & Volume Analysis
Price Performance
Volume Analysis
Technical Analysis
Key Observations
- Earlier, the stock underwent a deep consolidation phase, forming an Inverted Head & Shoulder pattern.
- A breakout above the neckline triggered a strong bullish wave, pushing the price to all-time highs.
- Currently trading at its peak, the stock continues to show strong resilience and appears poised for fresh highs ahead.
Technical Image - Daily Timeframe
Technical Analysis
Key Observations
- Earlier, the stock underwent a deep consolidation phase, forming an Inverted Head & Shoulder pattern.
- A breakout above the neckline triggered a strong bullish wave, pushing the price to all-time highs.
- Currently trading at its peak, the stock continues to show strong resilience and appears poised for fresh highs ahead.
Technical Image - Daily Timeframe
Technical Indicators
Oscillators
| Indicator | Value | Zone |
|---|---|---|
| RSI-14 | 74.49 | Overbought |
| CCI-14 | 168.4 | Overbought |
| MFI | 65.91 | Neutral |
| ROC | 2.43 | Positive |
| Stochastic %K | 70.39 | Neutral |
| William %R | -4.21 | Overbought |
Exponential Moving Averages
| EMA | Value | Stock Position |
|---|---|---|
| 5 EMA | 263 | Above |
| 10 EMA | 263 | Above |
| 20 EMA | 262 | Above |
| 50 EMA | 259 | Above |
| 100 EMA | 254 | Above |
| 200 EMA | 246 | Above |
Technical Indicators
Oscillators
| Indicator | Value | Zone |
|---|---|---|
| RSI-14 | 74.49 | Overbought |
| CCI-14 | 168.4 | Overbought |
| MFI | 65.91 | Neutral |
| ROC | 2.43 | Positive |
| Stochastic %K | 70.39 | Neutral |
| William %R | -4.21 | Overbought |
Exponential Moving Averages
| EMA | Value | Stock Position |
|---|---|---|
| 5 EMA | 263 | Above |
| 10 EMA | 263 | Above |
| 20 EMA | 262 | Above |
| 50 EMA | 259 | Above |
| 100 EMA | 254 | Above |
| 200 EMA | 246 | Above |
Conclusion
L&T Finance Stock Price Forecast
Based on our short term trading strategies, the L&T Finance Stock Price target will be INR 280 - INR 285 in the next 12-14 trading sessions.
Conclusion
L&T Finance Stock Price Forecast
Based on our short term trading strategies, the L&T Finance Stock Price target will be INR 280 - INR 285 in the next 12-14 trading sessions.
Analyst Summary
The research analysis is prepared by Arijit Banerjee, CMT, CFTe. He is a veteran trader and an active investor having in-depth knowledge in financial market research, advanced technical analysis, market cycle, algorithmic trading and portfolio management. Arijit is a Chartered Market Technician (CMT) accredited by CMT Association USA, the leading global authority of Technical Analysis and has been honoured by Certified Financial Technician (CFTe) from the International Federation of Technical Analysts, USA. SEBI, the regulatory body of Indian financial market also recognizes him as a Research Analyst (INH300006582).
The views expressed herein are based solely on information available publicly/internal data/other sources believed to be reliable, but is not necessarily all-inclusive and is not guaranteed as to accuracy. The recommendations provided herein is solely for informational purposes and are not intended to be and must not be taken alone as the basis for an investment/trading decision. Trading and investing are subject to market risk and the securities discussed and opinions expressed herein may not be suitable for all investors. To read the full disclosure, please click here.
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- Precise Entry, Target and StopLoss.
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Buy Le Travenues Technology
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Buy Privi Speciality Chemicals
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Buy BASF India
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- : 285 - 300
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- : 13% - 16%
- : 14-15 days
- Ultra Swing Trading Advice
Features
- 10—12 swing trade advice / month
- expected upside 6%—8% per trade
- short term trade holding 1-2 weeks
- minimum capital required ₹2.5 lakh
Select Subscription
Months
01
Â
Price
₹ 6666
Months
03
20% OFF
₹ 20000
Price
₹ 15900
Months
06
35% OFF
₹ 40000
Price
₹ 25900
Months
12
50% OFF
₹ 80000
Price
₹ 39900
Months are referred as calendar months
- e.g. 12 January — 12 April (3 Months)
- 20 June — 20 December (6 Months)
Looking for more information?
Our FAQ section covers everything you need to know about Swing Trade Subscription
Ultra Swing Trading Benefits
- ideal for short term positional traders
- receive trading advice via Whatsapp
- precise Entry, Target and StopLoss
- preferred largecap & midcap stocks
- revised targets & stoploss if required
- alert message for target or stoploss hit
-
Buy Piramal Pharma
nse: pplpharma
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 190 - 194
- : 204 - 207
- : below 180
- : 7% - 8%
- : 12-14 days
-
Buy Le Travenues Technology
nse: ixigo
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 215 - 220
- : 240 - 240
- : below 195
- : 10% - 13%
- : 14-15 days
-
Buy Privi Speciality Chemicals
nse: priviscl
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 1845 - 1875
- : 1975 - 2000
- : below 1770
- : 6% - 8%
- : 12-14 days
-
Buy BASF India
nse: basf
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 5450 - 5600
- : 6050 - 6200
- : below 5200
- : 10% - 12%
- : 12-14 days
-
Buy S H Kelkar
nse: shk
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 285 - 300
- : 330 - 340
- : below 270
- : 13% - 16%
- : 14-15 days
Ultra Swing Trading Benefits
- ideal for short term positional traders
- receive trading advice via Whatsapp
- precise Entry, Target and StopLoss
- preferred largecap & midcap stocks
- revised targets & stoploss if required
- alert message for target or stoploss hit
-
Buy Piramal Pharma
nse: pplpharma
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 190 - 194
- : 204 - 207
- : below 180
- : 7% - 8%
- : 12-14 days
-
Buy Le Travenues Technology
nse: ixigo
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 215 - 220
- : 240 - 240
- : below 195
- : 10% - 13%
- : 14-15 days
-
Buy Privi Speciality Chemicals
nse: priviscl
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 1845 - 1875
- : 1975 - 2000
- : below 1770
- : 6% - 8%
- : 12-14 days
-
Buy BASF India
nse: basf
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 5450 - 5600
- : 6050 - 6200
- : below 5200
- : 10% - 12%
- : 12-14 days
-
Buy S H Kelkar
nse: shk
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 285 - 300
- : 330 - 340
- : below 270
- : 13% - 16%
- : 14-15 days
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Looking for more information?
Our FAQ section covers everything you need to know about Swing Trade Subscription
Ultra Swing Trading Benefits
- ideal for short term positional traders
- receive trading advice via Whatsapp
- precise Entry, Target and StopLoss
- preferred largecap & midcap stocks
- revised targets & stoploss if required
- alert message for target or stoploss hit
-
Buy Piramal Pharma
nse: pplpharma
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 190 - 194
- : 204 - 207
- : below 180
- : 7% - 8%
- : 12-14 days
-
Buy Le Travenues Technology
nse: ixigo
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 215 - 220
- : 240 - 240
- : below 195
- : 10% - 13%
- : 14-15 days
-
Buy Privi Speciality Chemicals
nse: priviscl
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 1845 - 1875
- : 1975 - 2000
- : below 1770
- : 6% - 8%
- : 12-14 days
-
Buy BASF India
nse: basf
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 5450 - 5600
- : 6050 - 6200
- : below 5200
- : 10% - 12%
- : 12-14 days
-
Buy S H Kelkar
nse: shk
- Best Buy Range
- Sell Target
- StopLoss
- Potential Upside
- Approx Trade Duration
- : 285 - 300
- : 330 - 340
- : below 270
- : 13% - 16%
- : 14-15 days