L&T’s EPC (Engineering, Procurement, and Construction) segment focuses on large, complex infrastructure projects across sectors such as mobility, power, and water. The model integrates design, execution, and commissioning to deliver end-to-end solutions.
L&T serves a diverse customer base, including national governments, multinational corporations, and public sector enterprises.
The EPC segment remains a significant part of India’s infrastructure development, with growing demand from sectors such as energy transition and urban mobility.
L&T competes with companies like Tata Projects and JMC Projects. It holds a strong position in international markets, especially in the MENA region.
EPC projects must comply with various local and international regulations, including environmental and safety standards, which L&T addresses through robust compliance systems.
Operated by L&T Finance Holdings (LTFH), this segment provides retail-oriented financial products, focusing on rural lending, personal loans, and SME finance. LTFH aims to transition to a customer-centric model using digital platforms.
The primary customer base includes rural communities, individual borrowers, and small-to-medium enterprises (SMEs).
LTFH has a leading position in India’s NBFC sector, particularly in rural and retail lending, with a growing demand for personal and SME finance.
Competitors include Bajaj Finance and Mahindra Finance. LTFH differentiates itself through its focus on rural markets and its digital-first approach.
L&T Finance operates under the purview of SEBI and other financial regulators in India, adhering to stringent compliance and audit processes.
L&T’s IT services are provided through LTIMindtree and L&T Technology Services, offering digital transformation solutions, R&D services, and IT infrastructure management to global clients.
Global enterprises across industries, including finance, healthcare, and telecommunications, comprise the primary customer base.
The IT services market is competitive but growing, driven by the demand for digital transformation and cloud services. L&T’s presence in key markets like North America and Europe strengthens its position.
Competitors include Infosys, TCS, and Wipro. LTIMindtree competes for larger IT service contracts due to its expertise in digital solutions.
L&T’s IT services are subject to data privacy and cybersecurity regulations, particularly in international markets. Compliance with GDPR and industry-specific standards is critical.