An Analysis of Portfolio Management Strategies with Special Reference to Larsen and Toubro Finance, Bangalore North

This study examines L&T Finance's portfolio management strategies in Bangalore North, emphasizing the company's focus on retail finance growth, digital transformation, and sustainability. Key pillars such as enhancing customer acquisition, optimizing credit risk models, and leveraging digital technologies are analyzed to understand their impact on regional financial inclusion. With retail disbursements exceeding ₹54,000 crore in FY24 and strong growth in urban and rural finance sectors, LTF's approach reflects a robust blend of innovation and market responsiveness. This research highlights how LTF’s strategies in Bangalore North align with its broader organizational goals, contributing to consistent financial performance and sustainable stakeholder value creation.