L&T Finance Personal Loan

L&T Finance Personal Loan is a convenient borrowing option for salaried and self-employed individuals who need quick funds for personal expenses such as weddings, travel, medical emergencies, home renovation, or debt consolidation. The loan comes with a fully online application process, minimal documentation, and flexible repayment tenures.

With clear upfront charges and affordable interest rates, L&T Finance helps keep your total borrowing cost predictable and your monthly EMIs easy to plan. Applicants can check eligibility, apply online, and receive funds quickly, making it a reliable option for urgent and planned financial needs.

L&T Finance Personal Loan Overview – Key Details

Key Benefits & Standout Features of L&T Finance Personal Loan

1. Easy Disbursement

Get access to a high loan amount of up to ₹30 lakhs, enabling you to finance big-ticket expenses such as weddings, medical treatments, travel, or home renovations without any hassle.

2. Quick Loan Approval

Benefit from an instant approval process that takes as little as 2 minutes*, ensuring that urgent financial needs are met without delays.

3. Competitive Interest Rates

Enjoy affordable borrowing with attractive interest rates starting at just 11% p.a.*, making your EMIs lighter and repayment stress-free.

4. Minimum Documentation

Say goodbye to lengthy paperwork. L&T Finance requires only essential documents, reducing the approval time and making the process simpler for applicants.

5. Top-Up Loan Facility

6. No Collateral Required

Secure a loan without pledging any asset. This unsecured loan option ensures you can borrow confidently without risking your property or valuables.

L&T Finance Personal Loan Interest Rate 2026

L&T Finance offers personal loans at interest rates starting from 11% p.a.*. The rate is fixed for the entire tenure and depends on factors like your credit score, income, and repayment history. Customers can choose flexible repayment terms between 12 to 72 months, with minimal documentation and quick approval.

L&T Finance Personal Loan Eligibility

To apply, you need to meet a few basic eligibility criteria set by the lender

• Residency: Must be an Indian resident.
• Age: Minimum 21 years, maximum 58 years at loan maturity.
• Profession: Salaried employees or self-employed individuals with a stable income.

Documents Needed for L&T Finance Personal Loan Application

To complete your application smoothly, you’ll need to keep the following documents ready:

1. Identity Proof: Provide any one of the following government-issued IDs: PAN Card, Aadhaar Card, Voter ID Card, Driving Licence, or Passport.
2. Address Proof: Submit any one of the following, ensuring utility bills are not older than 2 months: Utility Bill (Electricity, Telephone, Post-paid Mobile, Piped Gas, Water Bill), Passport, Voter ID Card ,or Driving Licence
3. Income Proof:
   • For Salaried Individuals:
   • Provide salary slips for the last three months.
   • Submit the latest Form-16.
   • Share bank statements for the past three months showing salary deposits.
   • Alternatively, a salary certificate can be provided.
   • For Self-Employed Individuals:
   • Submit the latest Income Tax Return (ITR).
   • Statement:
   • A bank statement for the last three months is mandatory.

L&T Finance Personal Loan Fees & Charges

Personal loans from L&T Finance come with applicable fees and charges, which are explained in detail below.

Disclaimer: All details provided above are subject to change. Please check the official website or contact the lender for the latest information.

How to Apply for L&T Finance Personal Loan Online

Online Through CreditMantri

Step 1: Visit the official CreditMantri website or open the CreditFit mobile app and go to the “Personal Loan” section from the loans menu.

Step 2: Enter your mobile number and verify it by entering the OTP received on your phone.

Step 3: Fill in basic information such as the required loan amount, PIN code, employment type, and monthly income, then submit the form.

Step 4: Compare the loan offers available from multiple regulated lending partners and choose the one that best suits your needs.

Step 5: Complete the additional information requested by the selected lender to proceed with your personal loan application.

Online Through the L&T Finance Website

The loan application process is simple, fast, and entirely digital. Follow these four easy steps to apply:

Step 1: Go to the official L&T Finance personal loan page and click Apply Now.

Step 2: Fill Basic Details: Enter your first name, last name, date of birth, email ID, PAN number, current address, gender, and mobile number, verify the OTP, and click Next to proceed.

Step 3: Once your details are submitted, matching loan offers are shown. Pick the loan amount and repayment period that suits your needs.

Step 4: Upload your ID, address, and income documents, then complete online KYC to verify your details. Once verified, your application moves ahead for approval.

Step 5: Set Up Repayment Mandate: Link your bank account and enable e-mandate or UPI auto-debit to ensure your EMIs are paid automatically every month.

Step 6: Loan Approval & Disbursement: After verification, your loan is approved and the funds are credited to your bank account, often quickly.

What are the Options to Repay my L&T Personal Loans?

Repaying your L&T Finance personal loan is simple and convenient. The EMI amount is automatically debited from your bank account through an ACH, Standing Instruction (SI) mandate, or e-mandate. In case of insufficient funds or a dishonored ACH, you have alternative payment options. You can make payments online, pay in cash at the nearest L&T Finance branch, or use Airtel and PayNearby portals for hassle-free repayment.

Key Factors Affecting L&T Finance Personal Loan Eligibility

Lenders consider multiple factors to assess your personal loan eligibility:

• Credit Score: A high credit score shows good financial behavior and increases approval chances. Late payments or high credit usage can negatively impact eligibility.
• Employment Stability: Stable employment and consistent monthly income assure lenders of your repayment ability. Long tenures with reputed employers improve approval chances.
• Monthly Income: Sufficient income from salary or other sources ensures you can manage EMIs without financial strain. Higher income boosts eligibility.
• Existing Liabilities: Lenders review your repayment history for loans or credit cards. Timely payments and minimal debt obligations improve approval prospects.

L&T Finance Customer Care Number Personal Loan

L&T Finance provides multiple channels for customer support to address all your personal loan-related queries. Here’s how you can reach out:

Call Customer Care: For personal loans, you can contact the dedicated customer care team at 1800-268-0000. The helpline is available all days of the week (except national holidays) from 9:00 AM to 6:00 PM IST.

Email Support: You can send your queries or concerns via email at customercare@ltfs.com. Expect prompt responses from the team to resolve your issues.

Get a Callback: Fill out your name, mobile number, and product details on the L&T Finance website to request a callback.

Connect via WhatsApp: Message "Hi" or "Hello" to +91 7378333451 to connect with the L&T Finance team directly on WhatsApp. It's a convenient way to get instant updates and support.

Use the Chatbot: Need quick answers to your questions? L&T Finance’s chatbot is available on their website to provide instant support. Just click "Say Hello" to get started.

Planet App: Download the Planet App from the Google Play Store or Apple App Store to manage your loan details, check repayment schedules, and much more, right from your smartphone.

Locate a Branch: If you prefer in-person assistance, you can locate the nearest branch using the "Locate Us" feature on the L&T Finance website.

Frequently Asked Questions

Disclaimer:This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.