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L&T Finance Personal Loan

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Instant Personal Loan

Curated offers from 30+ lenders

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Quick Loan Approval

Money in your account instantly

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Minimal Documentation

Offers ranked according to eligibility

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Quick Digital Disbursal

Hassle-free & paperless

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50K1Cr
8%30%
1Y 10Y

Your Monthly EMI Payment

0

Principal Amount0
Interest Amount0
Total Amount0

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

About L&T Finance Personal Loan

  • L&T Finance has tied-up with Paisabazaar to offer instant personal loans to fund various personal needs of its applicants at competitive interest rates.
  • The loan proceeds can be used for various purposes, such as medical emergencies, home renovation, wedding, vacation, education, debt consolidation, etc.
  • The lender claims to offer quick loan approval in just 2 minutes.
  • Existing personal loan borrowers can also apply for top-up personal loans depending on their eligibility.
  • The borrowing process is completely digital with minimal documentation.
  • Applicant can avail a maximum loan amount of Rs. 30 lakh with flexible repayment tenure.

L&T Finance Personal Loan Interest Rates in 2026

L&T Finance offers personal loans at an interest rate of 11% p.a. onwards. The personal loan interest rates for L&T Finance usually depend on several factors, such as applicant’s credit score, income, employment stability, employer’s profile and existing relationship with the NBFC.

L&T Finance Personal Loan Eligibility Criteria

To be eligible for a personal loan from L&T Finance, applicants must meet the following criteria:

  • Residency: Indian resident
  • Age requirement: 21 years to 58 years
  • Profession: Salaried or self-employed individuals

Documents required for L&T Finance Personal Loan

Find below a detailed checklist of documents required to apply for personal loan based on your employment type:​

  • Identity Proof: PAN and any one of the following, such as Aadhaar Card, Passport, Voter ID, Driving License, Job card by NREGA and Letter issued by the National Population Register containing details of name and address
  • Address Proof: Aadhaar card, Voter ID, Passport, Driving License, Last 2 months’ Utility Bills (Electricity, Telephone, Post-paid Mobile Phone, Piped Gas, Water Bill)
  • Income Proof for Salaried: Last 3 month’s salary slips, Form 16, Last 3 month’s bank statement reflecting salary credits / Salary Certificate.
  • For Self-Employed: Latest Income Tax Return (ITR) and Last 3 months’ bank statement

Note: Income proofs shall vary for different professionals across salaried and self-employed individuals.

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All Your Needs

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Avail Personal Loan for
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L&T Finance Personal Loan Fees & Charges

L&T Finance applies various fees and charges to its personal loan. Below stated is a detailed representation. ​

Particular Charges
Processing Fees Up to 3% of the loan amount (Non-refundable)
Late Payment Charges 2% (p.m.) on EMI overdue
Part-payment Charges Up to 5% of pre-paid amount
Foreclosure Charges 5% of principal outstanding amount
Loan Cancellation Charges Nil – for 3 days from date of disbursalFrom 4th day – 5%+ applicable taxes (on the outstanding loan amount)
Document Charges Nil for Statement of Account (SOA), Repayment Schedule, Foreclosure Letter, Welcome Kit
EMI Bounce Charges Up to Rs. 1000
Repayment Swap charges Rs. 500
Duplicate NOC Charges First 3 paper copies – free of costFrom 4th Paper copy – Rs. 250
Legal/ Recovery Charges As per actuals

Note: All fees and charges mentioned above are exclusive of taxes and shall attract applicable taxes as per prevailing laws (e.g., GST).

How to Apply for L&T Finance Personal Loan Online

To apply for L&T Finance Personal Loan Online you need to visit Paisabazaar and follow the below mentioned simple steps:

Step 1: Visit the Paisabazaar’s official website or mobile app and click on ‘Personal Loan’ section.

Step 2: Enter your mobile number in the application form and click on ‘Proceed’ to receive an OTP.

Step 3: Authenticate with the received OTP and fill in the basic details to click on ‘Proceed’.

Step 4: Check and compare from all the available offers from multiple banks and NBFCs and click on ‘Apply Now’ as per your requirements.

Step 5: Fulfil the required details from the lenders to avail personal loan.

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

FAQs

What are the current interest rates for L&amp;T Finance personal loans?

The interest rates offered on L&T Finance personal loan is 11% p.a. onwards. However, the exact interest rate offered shall depend on your credit score, income, employment stability, employer’s profile, etc.

What is the maximum personal loan amount I can get from L&amp;T Finance?

L&T Finance offers personal loans for loan amounts of up to Rs 30 lakh.

Can I use an L&amp;T Finance personal loan for home renovation?

Yes, you can utilize the loan amount availed as personal loan for home renovation like painting, fencing, tiling, adding extra room, balcony, etc.

Can I get instant approval on L&amp;T Finance personal loans?

Yes, if you are a pre-approved customer of L&T Finance then you are eligible for instant personal loan with quick disbursal and no documentation.

What is the minimum CIBIL score required for an L&amp;T Finance personal loan?

The NBFC has not specified about the minimum CIBIL score criteria to be considered while offering personal loans. However, you should maintain a decent CIBIL score of at least 730+ to avail personal loan at competitive interest rates.

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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Vandana Punj
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Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

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