L&T Finance - Personal Loan

With L&T Finance Personal Loans you can get personal loans of up to ₹ 15 lakhs online. With attractive interest rates and easy online approvals, we provide the fastest and most flexible access to funds that can be used for many major life events and expenses. Whether it’s marriage, home renovation, education, or medical expenses, L&T Finance personal loans can help meet any financial need. Apply online now to make your needs a reality.

Max. Loan Amt.

Up to ₹15L

Rate of Interest

12.00% - 30.00%

Tenure

1 - 4 Years

Processing Fee

3.00%

 Max amount   

Maximum Loan Tenure

Get a loan repayment tenure of 12 to 48 months


Interest rates

Loan Amount offered

Avail personal loans upto  15 Lakhs


Max tenure

Interest Rates

Repay your loans at interest rates starting from 12.00%


Quick Approvals

Completely Digital Process 

Faster disbursal with zero paperwork


Flexible repayment

Open Eligibility 

Loan for both Salaried and Self-Employed Professionals


Structured EMI plans

No Income Proof 

Get a loan without having to produce income proof


Simple and open process

No Collateral/Security 

Apply without any collateral or security for Personal Loans.



Borrower                                        Documents
ID Proof:  
  • Pan Card
  • Aadhaar Card
  • Passport
  • Driver's License
  • Voter's ID
Address Proof:

List of OVDs:

  • Aadhaar Card
  • Passport
  • Driving License
  • Voter's ID

List of Deemed OVDs:

  • Utility bill of any service provider not more than two months old [Electricity, Telephone, Post-paid Mobile Phone, Piped Gas, Water Bill]
  • Property or Municipal Tax Receipt;
  • Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they contain the address
  • Letter of allotment of accommodation from the below employers issued by and Leave and License agreements with below employers: a. State Government or Central Government Departments, b. Statutory or regulatory bodies c. Public sector undertakings d. Scheduled commercial banks e. Financial institutions and f. Listed companies.
  • Rent Agreement [However, it has to be coupled with any one of the above four Deemed OVD documents]
  • Note: In case of Deemed OVDs submitted as address proof you are required to submit an OVD updated with your Current Address within a period of 3 months of submitting the documents.]
Income Proof (if required):
  • Salaried - Latest three month's Salary Slips / Latest Form-16 / Last three month's bank statement reflecting salary credits / Salary Certificate
  • Self Employed - Latest Income Tax Return (ITR)
  • Bank Statement -Last three month's statement is mandatory

Application Terms & Conditions