What L&T Finance asks for on personal, home, business, vehicle loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
One free check compares your profile with L&T Finance and the other 39 lenders we track. It does not touch your credit score.
How L&T Finance tends to lend (our read): Digital NBFC with big unsecured tickets (Rs 30 lakh personal, Rs 1 crore business) but strict business gates - Rs 80 lakh turnover, 3 years' vintage and an owned residence or office. Lends in: Metro, Tier 2, Tier 3 / other locations.
₹15,000 net per month; self-employed: ₹1,80,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Loan amount
₹50,000 to ₹30,00,000
Tenure
1 year to 6 years
Interest rate
10.5% to 24% p.a.
Documents L&T Finance lists
Identity proof (passport / PAN / driving licence / voter ID / Aadhaar)
Address proof
Salaried: last 3 months' salary slips / Form 16 / bank statement with salary credits
Self-employed: latest ITR
Last 3 months' bank statement
Research notes
L&T Finance Personal Loan: up to Rs 30 lakh, 12 to 72 months, rates from 10.50%, Indian residents aged 21 to 58 (the page states 58 as the upper bound; it is applied at maturity here), salaried and self-employed. Income floor not published - nominal floor used.
23 to 70 years (age when the loan ends); self-employed up to 70
Minimum income
₹10,000 net per month; self-employed: ₹1,20,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹20,00,000 to ₹10,00,00,000
Tenure
3 years to 30 years
Interest rate
7.75% to 10.5% p.a.
Documents L&T Finance lists
KYC
Income proof
Property documents
Research notes
L&T Finance Home Loan: Rs 20 lakh to Rs 10 crore, up to 90% of property value, tenure 3 to 30 years, rates from 7.75% floating, salaried 23 to 70 and self-employed 25 to 70 at maturity; co-applicant, rent and spouse income can be added. Income floor not published - nominal floor used.
Latest 2 years' audited financial statements and ITR
Tax audit reports
6 months' GST returns
Operative bank account statement for 12 months
Proof of owned residence or office
Research notes
L&T Finance Business Loan: collateral-free up to Rs 1 crore, 12 to 60 months, rates from 10% (15% headline on the page title), age 24 to 65, turnover Rs 80 lakh to Rs 500 crore, at least 3 years in business, 6 months of credit history, residence or office must be owned, CIBIL 650+ recommended. Documents include 2 years' audited financials, ITR, tax audit reports and 6 months' GST returns.
By ClearToLend's estimate (not a rule L&T Finance publishes). See the source card.
Age
21 to 65 years (age when the loan ends)
Vehicles financed
Two wheeler
Tenure
1 year to 5 years
Research notes
L&T Finance's two-wheeler loan page (rendered Sep 2026) publishes age 21-65 and tenure up to 60 months but no income floor, score or amount, so the block is inferred; the 12-month minimum tenure is our estimate. No car-loan product was found in the research.
ClearToLend is not affiliated with or endorsed by L&T Finance. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with L&T Finance before you apply. A match is not a loan offer or approval.
L&T Finance Loan FAQs
The minimum net monthly income is ₹15,000, according to L&T Finance's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 58 when the loan ends, according to L&T Finance's own website.
Rates run from 10.5% to 24% a year, according to L&T Finance's own website. Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹10,000, according to L&T Finance's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 23 and no older than 70 when the loan ends, according to L&T Finance's own website.
Rates run from 7.75% to 10.5% a year, according to L&T Finance's own website. Your own rate depends on your credit score, income and employer.
A credit score of 650 or above, according to L&T Finance's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 24 and no older than 65 when the loan ends, according to L&T Finance's own website.
Rates run from 10% to 22% a year, according to L&T Finance's own website. Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with L&T Finance's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with L&T Finance and does not send your details to it.
