L&T Finance Limited Home Loan
NBFC / HFCL&T Finance is an HFC with strong underwriting for self-employed borrowers. Rates start at 7.65% and the group's engineering and infrastructure sector familiarity helps with property evaluations.
Rates as of 2026-04-16. RBI repo rate 5.25%. Best available new-customer rate across all tracked lenders: 7.15%.
Already have a L&T Finance home loan?
If your current L&T Finance rate is above 7.65%, you are paying more than what L&T Finance is offering new customers today. The gap could be anywhere from 50 to 435 basis points depending on when you took the loan and which benchmark it is on.
Products offered
- L&T Home Loan
- L&T Balance Transfer
- L&T Plot Loan
Best for: Self-employed borrowers who benefit from the L&T Group's infrastructure and engineering sector familiarity.
Strengths and weaknesses
Rate reset at L&T Finance
L&T Finance processes rate resets through the branch.
Get the rate reset letter templateBalance transfer friction
Leaving L&T Finance for a balance transfer is straightforward. Foreclosure letters are issued within a reasonable timeline and no foreclosure fee applies on floating-rate loans (RBI 2012 circular).
Read the foreclosure charges guideL&T Finance Limited home loan at a glance
| Lender type | NBFC / HFC |
| Headquarters | Mumbai |
| Regulator | NHB (under RBI oversight) |
| Floating rate range | 7.65% to 11.50% (EBLR-linked) |
| Processing fee | Up to 0.50% of loan amount |
| Max tenure | 30 years |
| Max loan amount | ₹5 Cr+ |
| Prepayment charge | Nil on floating rate |
| Balance transfer friction | low |
| Official website | www.ltfs.com |
Data as of 2026-04-16. Rates are for salaried borrowers with CIBIL 750+. Verify with L&T Finance for profile-specific quotes.
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