L&T Finance is a long term buy

L&T Finance is a long term buy

By Rajiv Kapoor | 8 April, 2017

L&T Finance Holdings Ltd offers a range of financial products and services across rural, housing and wholesale finance sectors, as well as mutual fund products and wealth management services through its wholly-owned subsidiaries, viz., L&T Finance Ltd, L&T Infrastructure Finance Company Ltd, L&T Investment Management Ltd, L&T Capital Markets Ltd and L&T Housing Finance Ltd. It is promoted by Larsen & Toubro (L&T), one of the leading companies in India with interests in engineering, construction, electrical and electronics manufacturing and services, and IT and financial services. India is undergoing rapid expansion both in terms of strong growth of existing financial services firms and new entities entering the market. The sector comprises commercial banks, insurance companies, non-banking financial companies, co-operatives, pension funds, mutual funds and other smaller financial entities. The banking regulator has allowed new entities such as payments banks to be created recently, thereby adding to the types of entities operating in the sector. However, the financial sector in India is predominantly a banking sector, with commercial banks accounting for a majority of the total assets held by the financial system. The government has introduced several reforms to liberalise, regulate and enhance this industry, while the Reserve Bank of India (RBI) has taken various measures to facilitate easy access to finance for micro, small and medium enterprises (MSMEs). India is the fifteenth largest insurance market in the world in terms of premium volume and has the potential to grow exponentially in the coming years. Life insurance penetration in India is very low, with just 3.9% of the GDP, but a fast growing economy, rising income levels and improving life expectancy rates are some of the many favourable factors that are likely to boost growth in this sector in the future. On the other hand, the investment corpus of the pension sector is expected to cross US$1 trillion by 2025, following the passage of the Pension Fund Regulatory and Development Authority (PFRDA). India’s digital payments industry is expected to grow by 10 times to reach US$500 billion by 2020 and contribute as much as 15% of the GDP. Fundraising through Initial Public Offering (IPO) in 2016 was at a six-year high of Rs 20,217 crore.

The company continues to focus primarily on three key areas—rural, housing and wholesale loans. It is also making conscious efforts to reduce its cost income ratio, thereby increasing profitability. The L&T Finance stock currently quoting at Rs 120 is a long term buy for solid gains.

Rajiv Kapoor is a share broker, certified mutual fund expert and MDRT insurance agent.

There are 22 Comments

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Hello, Hey guys my wife and I have been married for 15 years. For over five years I have been dealing with jealousy issues because of flirting and her having emotional type affairs with other men. I felt like my masculinity was in question and if I said the way she was acting bothered me, it seemed to make matters worse or I was accused of being controling. During this period I did state I wanted a divorce if the behavior was not going to end: texting men a night, leaving for the weekend without letting me know where she was going or not responding to messages. We do have a son and basically it's been him and I for the last year on the weekends. She disconnected completely from being a good wife and mother. In April she said she wanted a separation and I said no we need to get into marriage counseling. We did try that, but she was not very responsive and didn't give any effort. Afterward she was adamant about separation and divorce. I continued to say no and that we needed to save our family. She presented a separation agreement and I had to hire a lawyer. Because of the above behavior my lawyer suggested a private investigator. The investigator discovered my wife was having an affair with a close friend of the family who also is married with children. We know the extended families. I feel like I should tell this man's wife about what happened. This adultery has devastated me emotionally, I feel betrayed and I'm physically drained. I know my wife is passionate in terms of her sexuality, and I can't get the thought of them out of my head. It makes me question my own manhood, and I feel very inferior or that he must be a better lover or what ever. The problem is my wife pursued him. She would go to him and she lured him into this adultery. I felt this was coming for some time and could not stop it. She was not only lying to me but also to our son about what she was doing and where she was going. My family is important, my son loves her and as crazy as it sounds so do I. Can you respond with a course of action on how to proceed? I was still have a very huge place in my heart for her. so i searched for help online and I came across a website that suggested that Dr Ahmed can help solve marital problems, restore broken relationships and so on. So I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 28 hours later, my wife came to me and apologized for the wrongs she did and promise never to do it again. Ever since then, everything has returned back to normal. I, my son and my wife are living together happily again.. All thanks to Dr Ahmed. as it is a place to resolve marriage/relationship issues, do you want to be sure if your spouse is being faithful to you or Do you want your Ex to come back to you Contact.: E-mail: Ahmedutimate@gmail.com or call/Whats-app: +2348160153829 save your crumbling home and change of grades its 100% safe. I suggest you contact him. He will not disappoint you. David L. Ollis, 43yrs, UK

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