L&T Finance Home Loan Home Loan
Interest rates from 8.65% p.a. (up to 16%) · EMI from ₹38,978/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About L&T Finance Home Loan home loans
Offers floating/fixed home loans with tenures up to 30 years — among the lower NBFC floors.
L&T Finance home loan EMI table (8.65% p.a.)
Monthly EMI at L&T Finance's minimum rate. Tap any amount for the full breakdown.
How much interest will a L&T Finance loan cost?
A ₹50 lakh L&T Finance home loan at 8.65% over 20 years means about ₹55.28 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare L&T Finance with other lenders →
L&T Finance home loan by city
Compare L&T Finance with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| L&T Finance (this page) | 8.65% | ₹43,867 |
| Sundaram Home | 8.6% | ₹43,708 |
| SIB | 8.7% | ₹44,026 |
| Federal | 8.75% | ₹44,186 |
| DCB | 8.75% | ₹44,186 |
| J&K Bank | 8.75% | ₹44,186 |
| Karnataka Bank | 8.75% | ₹44,186 |
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Frequently Asked Questions
What is the L&T Finance Home Loan home loan interest rate in 2026?
L&T Finance Home Loan offers home loans starting at 8.65% p.a., going up to 16% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh L&T Finance home loan?
At 8.65% p.a., a ₹50 lakh L&T Finance home loan has an EMI of about ₹43,867 for 20 years — roughly ₹38,978 for 30 years and ₹49,678 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a L&T Finance home loan?
L&T Finance Home Loan's processing fee is From 0.25%, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a L&T Finance home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a L&T Finance home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with L&T Finance Home Loan before applying. NestSaver is an information and planning service, not a lender.