L&T Finance


Based in India, L&T Finance Holdings Limited is a well-known non-banking financial company (NBFC) offering various financial solutions to meet different demands. L&T Finance effectively serves urban and rural markets by providing services like home loans, auto loans, personal loans, and agricultural finance, focusing on retail, corporate, and rural finance. The business's dedication to technology integration improves accessibility by giving clients easily navigable platforms for various financial operations.

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Loans offered by L&T Finance

L&T Finance LoansInterest RateProcessing FeeLoan Amount/Tenure

L&T Finance Personal Loan

12% - 20%

  • Consumer Loan: Up to 2% of principal outstanding plus applicable taxes
  • Micro Loan: 1% of loan amount plus applicable taxes
... more

₹50K - ₹7L

Tenure(1 - 4 Years)

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L&T Finance Home Loan



₹2L - ₹20Cr

Tenure(2 - 30 Years)

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L&T Finance Loan Against Property


Up to 2% of loan amount

Up to ₹20Cr

Tenure(Up to 20 Years)

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L&T Finance Business Loan

15.5% - 24%

1% of the loan amount (fixed)

Up to ₹50L

Tenure(5 - 6 Years)

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Features and Benefits of L&T Financial Services

L&T Finance offers personal loans with a range of key features that make it a preferred choice for individuals seeking financial assistance. Here are the key features of L&T Finance Personal Loan:

Diversified Financial Services

L&T Finance provides various financial services and products, such as investment management, business and retail financing, and rural finance.

Retail Finance

The company offers a range of retail financial solutions, such as loans secured by real estate, auto loans, personal loans, and home loans.

Corporate Finance

L&T Finance provides working capital loans, infrastructure finance, and other business-specific financial products to the corporate sector.

Rural Finance

L&T Finance offers financial services to support agriculture and related industries, and it is present in rural and semi-urban areas.

Investment Management

The organisation assists individuals and institutions in managing their financial portfolios by providing wealth management and investment advising services.

PAN India Presence

Due to its extensive network and presence in urban and rural parts of India, L&T Finance can offer its services to many clients.

Technology Integration

L&T Finance uses technology, like many other financial institutions, to improve the services it provides. It provides online platforms for managing accounts, applying for loans, and conducting other financial activities.

Risk Management

L&T Finance uses technology, like many other financial institutions, to improve the services it provides. It provides online platforms for managing accounts, applying for loans, and conducting other financial activities.

Regulatory Compliance

The organisation guarantees compliance with rules and regulations governing the financial sector by adhering to the regulatory framework established by financial authorities in India.

Credit Rating

Rating agencies may have given L&T Finance a credit rating that indicates its creditworthiness and overall financial stability. Stakeholders and possible investors frequently take these evaluations into account.

L&T Finance - Overview

With its main office in Mumbai, L&T Finance Holdings Ltd. is one of India's top Non-Banking Financial Companies (NBFC). It is well-established in the lending industry and serves served and underserved clients' varied financing needs. It provides consumer loans, two-wheeler loans, home loans, microloans, farm loans, and small-business loans through its company L&T Finance Ltd. CRISIL, ICRA, CARE, and India Ratings 1 have assigned L&T Finance Holdings a "AAA" rating.

The non-lending, equity-listed holding company L&T Finance Holdings has started to merge its subsidiaries, L&T Finance Ltd., L&T Infra Credit Ltd., and L&T Mutual Fund Trustee Ltd., with itself. This strategic initiative aimed to establish the "Right Structure." The planned merger has been progressing nicely, and LTFH anticipates it will be completed within the current fiscal year, pending regulatory clearances.


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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