3 Farm Equipment Lender, Gold Loan and Power Funding Stocks With a Strong Future Roadmap: L&T Finance, IIFL Finance and REC Limited

Farm equipment lender, gold loan and power funding stocks give investors exposure to loans that help rural borrowers, households and power projects. Loan growth, funding costs and asset quality decide how much of that demand turns into profit.

This list covers three farm equipment lender, gold loan and power funding stocks: L&T Finance for rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance, IIFL Finance for home loans, gold loans, business loans and microfinance and REC Limited for lending to power generation, transmission, distribution and renewable energy projects. Every figure comes from the latest reported financials and the 14 October 2026 market close. Companies without complete current figures were left out.

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What Are Farm Equipment Lender, Gold Loan and Power Funding Stocks?

Farm equipment lender, gold loan and power funding stocks are shares of companies that lend to households, small businesses and projects. Results depend on loan growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.

Farm Equipment Lender, Gold Loan and Power Funding Stocks at a Glance

The table compares size, valuation, return on equity and debt for the three farm equipment lender, gold loan and power funding stocks as of the 14 Oct 2026 close.

Among lending stocks, L&T Finance trades at a premium to the industry P/E, while IIFL Finance and REC trade at a discount.

Why Do Farm Equipment Lender, Gold Loan and Power Funding Stocks Have a Strong Roadmap in India?

Farm equipment lender, gold loan and power funding stocks have a strong roadmap in India because rural credit demand, retail borrowing and power sector investment keep adding customers for these lenders. Three drivers stand out.

• Rural credit: Farm and vehicle buyers rely on formal lenders.
• Retail credit: Households seek home and gold loans for large needs.
• Power investment: Generation and grid projects need long-term funds.

L&T Finance: Rural and Retail Lending Drive the Pipeline

L&T Finance's roadmap rests on rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance, with a retail-focused loan mix supporting the growth plan.

Revenue grew from Rs 12,323.55 crore in FY22 to Rs 17,917.03 crore in FY26, a 45.4% rise, and FY26 revenue was 12.4% higher than FY25. FY26 net profit rose 12.8% to Rs 2,982.87 crore. Over four years, net profit rose from Rs 849.23 crore in FY22 to Rs 2,982.87 crore. In Q1 FY27, revenue grew 23.1% to Rs 5,243.31 crore, and net profit rose 30.7% to Rs 915.99 crore.

Debt to equity is 3.94 and return on equity is 10.65%. L&T Finance paid a dividend of Rs 2.75 per share for FY26, a yield of 1.07%. At a P/E of 20.15 against an industry P/E of 17.72, the stock trades above its industry multiple.

What to watch: The P/E of 20.15 is a modest premium to the industry P/E of 17.72, so the next quarters' growth is the figure to follow.

IIFL Finance: Gold, Home and Business Loans Build the Next Leg

IIFL Finance's roadmap rests on gold loans, home loans and business loans across a large branch network, with a retail-focused loan mix supporting growth.

Revenue grew from Rs 7,023.61 crore in FY22 to Rs 13,373.83 crore in FY26, a 90.4% rise, and FY26 revenue was 30.6% higher than FY25. FY26 net profit was Rs 1,816.70 crore. In Q1 FY27, revenue grew 32.5% to Rs 3,921.88 crore.

Debt to equity is 5.01 and return on equity is 11.93%. IIFL Finance paid a dividend of Rs 4 per share for FY26, a yield of 0.69%. At a P/E of 10.93 against an industry P/E of 17.72, the stock trades below its industry multiple.

What to watch: The P/E of 10.93 against an industry P/E of 17.72 leaves valuation less stretched, so the next quarters' growth is the figure to follow.

REC Limited: Power Sector Financing Anchors the Roadmap

REC's roadmap rests on financing for power and infrastructure projects across generation, transmission and distribution, with the build-out of the power grid supporting loan demand.

Revenue grew from Rs 39,339.20 crore in FY22 to Rs 59,628.35 crore in FY26, a 51.6% rise, and FY26 revenue was 5.7% higher than FY25. FY26 net profit rose 2.7% to Rs 16,308.17 crore. Over four years, net profit rose from Rs 10,035.70 crore in FY22 to Rs 16,308.17 crore.

Debt to equity is 6.05 and return on equity is 19.17%. At a P/E of 4.82 against an industry P/E of 17.72, the stock trades below its industry multiple.

What to watch: The P/E of 4.82 against an industry P/E of 17.72 leaves valuation less stretched, so the next quarters' growth is the figure to follow.

Best Farm Equipment Lender, Gold Loan and Power Funding Stocks in India: L&T Finance vs IIFL Finance vs REC on Key Financials

Among the best farm equipment lender, gold loan and power funding stocks in India, L&T Finance leads on the lowest debt to equity; IIFL Finance leads on FY26 revenue growth; REC leads on return on equity and the lowest P/E. The table puts the numbers side by side.

Lender earnings follow loan growth, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.

How to Evaluate Farm Equipment Lender, Gold Loan and Power Funding Stocks to Buy Before You Invest

A short checklist keeps the research consistent when you screen farm equipment lender, gold loan and power funding stocks and shortlist farm equipment lender, gold loan and power funding stocks to buy.

1. Compare each stock's P/E with its industry P/E, which is 17.72 for all three here.
2. Check loan growth, asset quality and capital adequacy together.
3. Check whether revenue growth is turning into profit growth, not only sales.
4. Read loan growth against funding costs to see how growth is financed.
5. Watch debt to equity and interest cover before sizing a position.
6. Spread exposure across companies and business lines instead of one demand cycle.

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Risks to Consider Before Investing in Farm Equipment Lender, Gold Loan and Power Funding Stocks

• Asset quality: A rise in overdue loans can reduce profit.
• Funding costs: Changes in borrowing costs can move spreads.
• Quarterly trends: A single weak quarter can change near-term earnings, so track results every quarter.

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Annual reports and quarterly result presentations are the most reliable places to verify the numbers quoted here, because they show segment details, management commentary and the notes behind each figure.

Comparing a quarter with the same quarter of the previous year gives a cleaner reading than comparing it with the preceding quarter, since seasonal patterns affect many businesses in India.

Final Take: Which Stock Has the Strongest Roadmap?

These three lending stocks cover rural finance, gold and home loans and power financing. L&T Finance leads on the lowest debt to equity; IIFL Finance leads on FY26 revenue growth; REC leads on return on equity and the lowest P/E.

Across farm equipment lender, gold loan and power funding stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the farm equipment lender, gold loan and power funding stocks to buy discussed here.

FAQs on Farm Equipment Lender, Gold Loan and Power Funding Stocks

Which are the best farm equipment lender, gold loan and power funding stocks in India with a strong roadmap?

Ans. L&T Finance, IIFL Finance and REC Limited stand out for their roadmaps in rural finance, gold and home loans and power financing. FY26 revenue growth was 12.4% at L&T Finance, 30.6% at IIFL Finance and 5.7% at REC, and return on equity ranges from 10.65% to 19.17%.

Is L&T Finance a good stock to buy now?

Ans. L&T Finance has a debt to equity ratio of 3.94, a return on equity of 10.65% and a P/E of 20.15 against an industry P/E of 17.72. Valuation, asset quality and funding costs move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.

What is the P/E ratio of L&T Finance, IIFL Finance and REC?

Ans. The P/E ratio is 20.15 for L&T Finance (industry 17.72), 10.93 for IIFL Finance (industry 17.72) and 4.82 for REC (industry 17.72). Only L&T Finance trades at or above the industry multiple.

Which of these farm equipment lender, gold loan and power funding stocks has the highest return on equity?

Ans. REC Limited has the highest return on equity at 19.17%, followed by IIFL Finance at 11.93% and L&T Finance at 10.65%.

What are the risks of investing in farm equipment lender, gold loan and power funding stocks?

Ans. The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.

How did L&T Finance, IIFL Finance and REC perform in Q1 FY27?

Ans. L&T Finance reported revenue of Rs 5,243.31 crore, up 23.1% year on year, and net profit rose 30.7% to Rs 915.99 crore. IIFL Finance reported revenue of Rs 3,921.88 crore, up 32.5% year on year. REC Limited reported .

Do farm equipment lender, gold loan and power funding stocks pay dividends?

Ans. L&T Finance and IIFL Finance pay dividends. The dividend yield is 1.07% for L&T Finance and 0.69% for IIFL Finance, based on dividends declared for FY26.

How can I invest in farm equipment lender, gold loan and power funding stocks in India?

Ans. You can buy farm equipment lender, gold loan and power funding stocks through a demat and trading account on NSE or BSE after checking each company's financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.