L&T Finance Home Loan Interest Rate starts at 7.65%*
L&T Finance charges between 7.65% and 12.00% depending on your CIBIL score and profile. If you are an existing L&T Finance borrower paying 8.50% or more, you may be overpaying. Check in 60 seconds, with no credit score impact.
L&T Finance home loan at a glance
Headline terms for a new L&T Finance home loan. Your final rate is set after L&T Finance assesses your CIBIL score, income, loan amount and property.
| Interest rate | 7.65% – 12.00% p.a. |
| Lender type | Housing Finance (HFC) |
| Rate benchmark | Lender's own benchmark rate (not directly repo-linked) |
| Processing fee | 0.30%, Login Fee ₹5,000 |
| Maximum loan amount | ₹10 Crore |
| Maximum tenure | 30 years |
| Best suited for | Flexible income parameters for self-employed |
How your CIBIL score moves your L&T Finance rate
Already paying L&T Finance 8.50% or more?
Enter three numbers from your loan statement. We show savings after switching costs, not the inflated gross figure, and tell you honestly if moving is not worth it.
💡 Pro Tip: Tip: before switching, ask L&T Finance for a spread reset. If they refuse or charge too much, a transfer is your leverage.
L&T Finance home loan EMI for ₹30 lakh to ₹75 lakh
Monthly EMI on a 20-year loan at L&T Finance's starting rate, and at 1% higher. That 1% is roughly what a weaker CIBIL score or an old spread costs you.
| Loan amount | EMI @ 7.65% | EMI @ 8.65% | Extra you pay / month |
|---|---|---|---|
| ₹30 lakh | ₹24,444 | ₹26,320 | +₹1,876 |
| ₹40 lakh | ₹32,592 | ₹35,094 | +₹2,502 |
| ₹50 lakh | ₹40,739 | ₹43,867 | +₹3,128 |
| ₹75 lakh | ₹61,109 | ₹65,801 | +₹4,692 |
How L&T Finance decides your rate
L&T Finance is a housing finance company. Unlike banks, it prices loans off its own benchmark rate, which it can revise on its own schedule, not only after RBI repo changes.
Benchmark moves on the lender's call
HFC benchmark rates usually track the repo rate (5.25% now, next RBI decision on October 7, 2026), but the timing and size of any change is decided by L&T Finance. Check your statement for the current benchmark.
Your spread does not move
The spread set on day one usually stays for the full tenure, even if your CIBIL score improves. That is why older L&T Finance borrowers often pay more than new ones.
Lenders stretch tenure, not EMI
When rates go up, most lenders keep your EMI the same and add months to the loan. Your statement may not show the real payoff date.
When a switch makes sense
Rate gap of 0.40% or more, 5+ years left, and a balance above ₹20 lakh. Below that, switching costs can eat the savings.
L&T Finance vs lenders with similar rates
The lowest starting rate is not always the lowest rate for your profile. Compare before you sign or switch.
| Lender | Interest rate (p.a.) | Processing fee |
|---|---|---|
| 7.30% – 10.00% | 0.50% and Login Fee ₹2,500 | |
| 7.30% – 11.20% | 0.50% - 1.00% of loan amount + GST | |
| 7.60% – 11.00% | 0.30% of loan amount + GST | |
L&T FinanceFeatured | 7.65% – 12.00% | 0.30%, Login Fee ₹5,000 |
| 7.90% – 17.00% | Up to 0.50% + GST | |
| 8.00% – 11.90% | Up to 1% or Min ₹10,000 + GST |