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L&T Finance Holdings presented Q2FY23 results:

PAT at Rs 406 crore, an increase of 81% YoY Highest quarterly retail payments ever at Rs 10,238 crore, up 15% QoQ and 84% YoY Retail portfolio mix at 58% (vs. 47% in Q2FY22) Retail book stands at Rs 52.040 crore, up 9% QoQ and 27% YoY, according to Lakshya's strategic plan to 2026

Commenting on the monetary results, Mr. Dinanath Dubhashi, Managing Director and CEO of L&T Finance Holdings, said: “LTFH's results for the second quarter of FY23 demonstrate our unwavering commitment to accelerating retail marketing in line with our Lakshya 2026 strategic plan Retail sales are at an all-time high, even surpassing the highest retail payments ever recorded in the last quarter. Our combined retail portfolio has reached 58%, up from 47% in the second quarter of FY22, supported by steady growth across all business segments. Driven by data analytics-driven business rules engines, we saw strong payouts across key retail products in our select "Right to Win" market, with two of them reporting the highest payouts during the quarter, notably Rural Business Finance and Two - Wheeler Finance. Our continued focus on the strengths of our business, as well as the deep integration of data analytics into the decision-making process throughout the customer lifecycle, has helped us achieve new milestones in our mortgage lending phase while we increased loans for consumers and SMEs”.

PDF of results

Listing Details

Shares of the Company Listed on : The Calcutta Stock Exchange Limited 7, Lyons Range, Kolkata – 700 001
Stock Code / Symbol : CSEA -10029243
ISIN : INE576C01017
Registrar and Share Transfer Agents: Maheshwari Datamatics Private Limited, 6, Mangoe Lane, 2nd Floor, Kolkata - 700001

About Us

Santosh Industries Limited is a non-deposit accepting Non-Banking Financial Company (NBFC) governed by Chapter III-B of the Reserve Bank of India Act, 1934 (RBI) which, with its regulatory and supervisory framework, ensures strong and healthy functioning of NBFCs by limiting excessive risk taking practices. The Company’s principal business is dealing and making investment in shares & securities and mutual funds, granting loans and carrying on all other NBFC activities. The Company aims to support its growth over the long term and work sincerely to protect the interests of its stakeholders. SIL has earned and maintained a reputation for reliability, transparency of operations and absolute integrity. Despite the turbulence in the financial markets over the past few years, Santosh Industries Limited has adapted well to the changing market dynamics to remain consistently profitable.

Our Mission & Vision


“To conservatively build a diversified portfolio focused on long term growth by investing and trading in three self sustaining but synergic capital market products: Equity, Derivatives and IPOs, where we will use our background and skill sets to manage risk resulting in superior returns and long-term accumulation of capital.”


“To become a leading Non Banking Financial Company by making judicious Investments in loan and Investment portfolios, to enhance Company’s value and shareholders wealth.”

Our Values

Optimized Investments
Enhanced operational efficiencies
Minimized Risk
Lending based on standard interest rate model
Trust and Transparency

Board and Management

Board of Directors

Surendra Kumar Dugar, Managing Director

Mr. Surendra Kumar Dugar joined the Company on 24.04.2012 as a Director. Mr. Surendra Kumar Dugar has wide experience, more than 20 years in financial sector & has also flourished the Company’s business with his ideas and experiences and proper market strategy.

Ajit Kumar Bachhawat, Independent Director

Independent Director

Umang Lodha Independent Director

Independent Director

Madhu Dugar ,Woman Director

Woman Director

Kamal Kumar Dugar , Director


Tulsi Kumar Dugar ,Director


Rishabh Dugar , CFO


Jyoti Bhartia ,Company Secretary

Company Secretary

Investor Relations


Registered Office

Santosh Industries Limiteds

Suite No. 3A, 3rd Floor,
3A, Auckland Place,
Kolkata – 700 017

Phone:-033 22902277/22903377/22904477
Email: [email protected]

Registrars & Share Transfer Agents

Maheshwari Datamatics Private Limited

6, Mangoe Lane, 2nd Floor,
Kolkata - 700001
Telefax : 033 22482248 / 22435809 / 22484787
E-mail : [email protected]

Company Secretary & Compliance Officer

Jyoti Bhartia

Phone No:2290 2277/3377

You can also lodge your grievances with SEBI at

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