Urban Money

L&T Finance

L&T Finance

L&T Financial Services (LTFS) is the brand name for LTFH's lending and non-lending operations, which provide financial solutions to a varied set of customers. L&T Financial Services offers an array of products to cope with customers' varied requirements including personal loan, business loan, home loan at affordable interest rates.

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Loans offered by L&T Finance

L&T Finance LoansInterest RateProcessing FeeLoan Amount/Tenure
Personal Loan

11% - 19%

Up to 1%

Up to ₹45K

Tenure(Up to 2 Years)

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Home Loan

7.7% - 8.7%

Up to 3%

₹3L - ₹10Cr

Tenure(Up to 30 Years)

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Loan Against Property


Up to 2%

Up to ₹20Cr

Tenure(Up to 20 Years)

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Business Loan

15.5% - 20.5%

Up to 2%

Up to ₹50L

Tenure(5 - 6 Years)

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Features and Benefits of L&T Financial Services

  • Interest rates and plans that are competitive and tailored as per customer’s needs and requirements
  • Finance is provided for both paid and self-employed individuals
  • Process of documentation is quick and simple
  • Get a loan without showing Income Proof
  • Branches all around India
  • In the case of Farm Equipment Finance, personalised loans are available for customers with varying land holdings.
  • Transparent, technology-driven procedures
  • Faster loan approval and payout
  • Multiple repayment options 
  • Competitive processing fees

Overview of L&T Finance

Larsen & Toubro Ltd., well-known as L&T, one of India's largest conglomerates and non-banking financial companies, possesses a significant interest in certain domains such as engineering, construction, electronics manufacturing, information technology, and finance. L&T Financial Services (LTFS) is the brand name for LTFH's lending and non-lending operations, which provide financial solutions to a varied set of customers.

Rural Finance (Farm Equipment Finance, Two-Wheeler Finance, Micro Loans, and Consumer Loans), Housing Finance (Balance Transfer, Home Loans, Loan Against Property, and Real Estate), and Infrastructure Finance are all part of the lending business. LTFS is now India's No. 1 Farm Equipment Financier, among the top three Two-Wheeler Financiers and the third-largest micro loan provider.

The company's rural financing portfolio not only helps to create long-term livelihoods but also aligns with the government's goal of doubling agricultural output and farmers' income by 2022. The Infrastructure Finance division is India's largest arranger and funder of renewable energy, and the company's focus on scalability and sustainability guides it toward a long-term and sustainable portfolio of renewables, roads, and transmission prospects.

Vision of L&T Finance

To be an admired and inspirational financial institution, creating sustainable value for all the stakeholders.

Services Offered by L&T Financial Services

L&T Financial Services offers an array of products to cope with customers' varied requirements.

Two-Wheeler Loan Corporate and Structured Finance
Farm-Equipment Finance Infrastructure Finance
Real Estate Finance SMB Loan
Micro Loans Mutual Funds
Housing Finance

Farm-Equipment Finance

L&T Financial Services has a long history of promoting entrepreneurship and livelihoods in the rural finance sector. Every customer is guaranteed the finest rates with the goal of providing convenient financing for tractors and agricultural equipment. By offering flexible loan terms, L&T believes in enabling clients to alter their payment cycles.

Micro Loans

Micro loans are a type of financial business that provides loans at cheap rates to low-income people in order to help them become self-sufficient. In July 2008, L&T financial services began offering Micro Loans. Since then, they have been actively involved in assisting Indian women in obtaining a stable income through micro-unsecured loans. L&T financial services are presently one of India's major Micro Loan providers.

Housing Finance

Under housing finance, L&T offers certain financial products such as home loans, balance transfer loans, top-up loans, and loans against property.

Real Estate Finance

Throughout the project development life cycle, L&T Financial Services provides developers with the necessary funds for their proposed or current construction projects. L&T works with developers and builders to meet the needs of residential and commercial projects from start to finish. They believe in building long-term relationships with developers, and the goal is to engage with developer groups through a networking approach to meet their project requirements on a regular basis.

SMB Loan

L&T Financial Services offers Small and Medium Business (SMB) loans to take the business operations to the next level. Small and medium businesses, as well as professionals with their own business or practice, such as doctors, chartered accountants, and ICWAs, can benefit from tailored financial solutions. SMB Loans from L&T Financial services provide lightning-fast approvals with little documentation and competitive interest rates. LTFS SMB loans are your finest partners in success when your business or practice is ready to take the next step.

Corporate Office Address

L&T Finance Holdings Limited 6th Floor, Brindavan, Plot No. 177, C.S.T Road, Kalina, Santacruz (East), Mumbai – 400 098, Maharashtra, India

Contact Number and Email Address

Phone Number Email Address
Two-Wheeler/Farm Equipment Finance 7264888777 Customercare@ltfs.com
Micro Loans 18002587702 Customercare@ltfs.com
Housing/Real Estate Finance 9158004777 Customerservice@ltfs.com
SMB Loans 9158004777 smbfinance@ltfs.com


From refinancing to reducing your interest, we have the answers right here.

Who is the CEO of L&T?

The Chief Executive Officer (CEO) of Larsen & Toubro (L&T) is S N Subrahmanyan. He is the successor of Anil Manibhai Naik, who was the CEO of the firm till July 2017. Since S N Subrahmanyan took over the company, he has been awarded various titles, including the latest “Best CEO in Infrastructure and Engineering Category” in 2022. 

How can I check my loan details in L&T?

There are three ways one can check their LTFS loan details. First, from the official website of LTFS, locate “Customer Support” in the top menu. Choose the type of loan you have taken. In the Self-help section, choose “Loan Details” and enter the Loan Agreement Number (LAN) and generate OTP. Enter the OTP and access the loan details in L&T. The other way is to send an SMS to 9212025555 from your registered mobile number. The last way is to contact their helpline number 7264888777 or email at customercare@ltfs.com.

How can I check EMI L&T Finance?

If you are using the Quick Pay option from the L&T Finance and Services official website, all you need to do is to enter your Loan Agreement Number (LAN) and the Captcha verification code. Once you have logged in to your dashboard, you will be able to check the details therein. In case you are using another payment method, such as PayTM, you can visit the L&T Loan Payment page on PayTM, enter your Loan Agreement Number, and phone number to check the L&T EMI details.

How do I check my L&T loan status?

You can check your L&T loan status by visiting their official website. Users have to click the customer support option from the menu. From there, they have to select their loan type. Once they enter the self-help portal of their loan, they have to select the loan details. The user can log in using his/her Loan Agreement Number (LAN) and check the status.

Where is the headquarters of L&T?

Larsen and Toubro (L&T), a conglomerate industry type company, has its headquarters in L&T House, Ballard Estate, Mumbai, Maharashtra.

How can I locate the nearest LTFS branch and address?

If anyone wants to locate the nearest LTFS branch and address, they can simply go to the official website of LTFS, navigate to the “Contact Us” section from the main menu, and scroll down to “Our Branches” section. Users can enter their desired city or select a city from the dropdown list and the business. The list of the nearest LTFS branches and their addresses will be displayed on the screen.

How can I check my L&T Finance loan account number?

Send a text to 9212025555 from your registered mobile number by simply typing “LAN”. This immediately prompts a response from the L&T servers and reveals your Loan Agreement Number of LAN associated with the sender’s registered mobile number.

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