L&T Finance Home Loan: Rates, Eligibility & Fees 2026
L&T Finance offers home loans for purchase, construction, improvement, decor, top ups, and balance transfers with digital processing and flexible tenures. Butter Money helps you compare suitable options and apply with clear, dependable guidance. Apply confidently.
Interest Rate
7.65%
p.a. onwards
Processing Fee
₹10,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 75%
Rates updated 11 Aug 2026 from Butter's lender rate data · L&T Finance's official rates
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What stands out with L&T Finance
- Tenure up to 30 years
- Home purchase financing
- Construction finance
- Home improvement option
- Balance transfer facility
- Top-up funding available
- Flexible repayment options
L&T Finance home loan at a glance
| Lender type | NBFC |
| Starting rate | 7.65% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer |
| Funding (LTV) | Up to 75% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
L&T Finance Interest Rates, August 2026
By product, CIBIL score & applicant type
Home loan · Plot · Construction · Balance transfer
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 8.50% onwards | 8.50% onwards |
| 800 and above | 7.65% onwards | 7.65% onwards |
| 700–749 | 8.50% onwards | 8.50% onwards |
| 750–799 | 8.00% onwards | 8.00% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile. Updated 11 Aug 2026.
Fees & Charges
Popular L&T Finance Schemes
Find the right L&T Finance product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Housing Loan | Home purchase or construction | Profile based |
| Home Improvement | Renovation or extension | Profile based |
| Balance Transfer | Existing home loan transfer | 7.65% onwards |
| Top-Up Loan | Additional funding | Profile based |
L&T Finance vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| L&T Finance (this page) | NBFC | 7.65% onwards |
| Navi Finserv | NBFC | 8.45% onwards |
| Piramal Finance | NBFC | 9.90% onwards |
| Vridhi Finserv | Housing finance company | 12.00% onwards |
L&T Finance Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at L&T Finance's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.65% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh L&T Finance home loan over 20 years at 7.65% costs ₹40,739 a month, or ₹47,77,480 in total interest. Every 0.25% higher adds about ₹772 a month.
L&T Finance Home Loan FAQs
What is the L&T Finance home loan interest rate?
L&T Finance home loan rates start at 7.65% p.a. for the strongest credit profiles and rise for lower CIBIL scores. Your final rate also depends on the loan amount, property and income.
Can I prepay my L&T Finance home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow L&T Finance to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will L&T Finance fund?
L&T Finance funds up to 75% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
What is the maximum home loan tenure?
The maximum tenure is 30 years.
What CIBIL score is preferred?
Higher CIBIL scores support more competitive pricing.
What documents are required?
KYC, income and property documents are required as listed in the Documents tab.
Can I transfer my existing home loan to L&T Finance?
Yes. Balance transfer is available for eligible borrowers.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by L&T Finance at sanction. Source: L&T Finance.