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@LnTFinance to #CNBCTV18 
Credit cost will remain elevated in Q4FY25
Expect asset quality to deteriorate further in Q4FY25
Macro prudential provisions usage will be Rs300-Rs350cr in Q4FY25
GS 3 is at 3.23% for the firm
Used Rs100cr of provisions from our provisions pool
Targeting AUM growth of 20% in FY25
Expect collection efficiency to keep improving
Seen some green shoots of recovery in collection efficiency
Disbursements in Q4FY25 will be risk caliberated
Pace of MFI & JLG disbursals will impact AUM growth
Disbursals in Q3; were highest ever qtrly disbursal for L&T Finance
Sectoral disbursements were tapered down in rural JLG segment
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