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<h1>Investment grade credit rating enables global capital market access and liability diversification, backed by digital underwriting scale.</h1> L&T Finance Ltd. reported consolidated PAT growth and its highest-ever consolidated book driven by retailisation and diversified product growth. The company received debut Investment Grade Credit Rating assignments enabling access to global capital markets and liability diversification. Management highlighted technology-led credit underwriting (Project Cyclops) and expanded digital channels (PLANET) as drivers of customer sourcing, collections, and risk-calibrated growth while prioritising asset quality and collection efficiency under its strategic roadmap.