Information only
L&T Finance is a non-banking financial company (NBFC), regulated by the Reserve Bank of India (RBI). It is a lender with a rural, home and personal lending range. Its registered office is at Brindavan, Kalina, Santacruz East, Mumbai. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for L&T Finance
| Loan | What to know |
|---|---|
| Home loans | Offered for buying or building a home. |
| Personal loans | Unsecured, so approval rests on income, existing EMIs and credit history; amount and tenure are set by the lender. |
| Loans against property | Secured on a property you own; the amount depends on the lender's valuation and your repayment capacity. |
| Business and MSME loans | For working capital or expansion; business vintage, financial statements and bank statements are usually asked for. |
| Two-wheeler loans | Part of its rural and consumer finance range. |
| Gold loans | Secured on gold ornaments; RBI sets limits on how much can be lent against the gold's value. |
| Education loans | Education is one stated purpose of its personal loans; it is not a separate product. |
| Loans for professionals | A separate professional segment, for example for doctors. |
LOANZ 360 explains how each of these loan types works: home loans, personal loans, loans against property, business and MSME loans, two-wheeler loans, gold loans, loans for professionals. It does not accept public deposits.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | NBFC (upper layer). Upper layer, named by RBI on 6 August 2026 for 2026-27; non-deposit NBFC. |
| Registered office | Santacruz East, Mumbai |
| Parent group | Larsen & Toubro group |
| Former names and mergers | Formerly L&T Finance Holdings; in December 2023 its subsidiaries L&T Finance and L&T Infra Credit merged into it, and the name L&T Finance took effect on 28 March 2024 |
As of 8 November 2026, RBI lists L&T Finance among the NBFCs in the upper layer for 2026-27; the name L&T Finance has been in use since 28 March 2024. RBI publishes the upper layer list each year, so a lender's layer can change. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026