L&T Finance Holdings (L&TFH) well diversified loan book ranging from small
ticket microfinance to big ticket infra loans, provides the company an opportunity
to tap into various under penetrated segments and address a broader range of
growth opportunities across cycles. In terms of reach, the L&T finance group has
presence pan India (23 states, 837 Points of presence). Also, compared to
specialised lending NBFCs, L&TFHs risk is much better spread out into the
various segments it operates, which reduces the risks associated with any
particular segment or customer concentration.

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