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Key Features

Loan tenure - 12 to 48 months


Loan amount - ₹ 50,000 to ₹ 7,00,000


ROI starting from 11%*


L&T Finance Consumer Loans: 


·  Completely Digital Process

·  Faster Disbursal

·  Loan for both Salaried and Self-Employed    Professionals

·  No income proof documents required


Consumer Loans

Consumer Loans from L&T Financial Services assist you with your immediate financial needs, thus helping you achieve your goals as per your timelines. Our completely digital & easy to apply procedure, fast approval process and attractive interest rates ensure that you have a positive experience availing the loan. Be it for festivals, marriages, house renovation, education, or medical expenses, our Consumer Loans offer viable financial solutions especially in times of need. So go ahead & apply now. You can avail loans up to ₹ 7 lakhs online.


Eligibility Criteria


 Indian citizen with valid ID proof between 23 to 57 years of age


L&T Consumer Loan

Frequently Asked Questions

EMI Calculator

Loan Amount (₹):
Interest Rate % (Per Annum):
Loan Tenure (In months):
Your Equated Monthly Installment (EMI):

List of LENDING SERVICE PROVIDER (LSP) Sourcing Partners

·  MyMoneyKarma Infomatics India Private Limited

·  ZAP Marketplaces Private Limited

·  CreditMantri Finserve Private Limited

·  Mymoneymantra Fintech Private Limited

·  QFI Technologies Private Limited

·  Paisabazaar Marketing & Consulting Private Limited

·  Finbud Financial Services Private Limited

·  IndiaLends (GC Web Ventures Private Limited)

·  Ruloans Distribution Services Private Limited

·  Mywish Marketplaces Private Limited

·  Spirea Services Private Limited

·  MyMoneyKarma Infomatics India Private Limited


Schedule of Charges

Charge Type - Consumer Loans

Processing Fee

Upto 2% of loan amount + applicable taxes

Repayment bounce charges

Rs.350/- + applicable taxes if any

Late payment interest

3% per month on overdue EMI

Part Prepayment Charges

Upto 5 % of prepaid amount + applicable taxes
Upto 25% allowed twice in a year.

Foreclosure Charges

5% of principal outstanding + applicable taxes

Annual Maintenance charges


Legal /Recovery charges

As per actuals

Duplicate NOC charges
(Charge is applicable for paper copy post 3 free copies per customer)

Rs 250/- + applicable taxes

Repayment swap charges ( per swap)

Rs 500/- + applicable taxes

SOA/RPS /FC letter & other documents



Terms & Conditions