Introduction to L&T Financial Services

L&T Financial Services is a NBFC based out from Mumbai, providing financial solutions to the diverse needs of unserved and underseved customers. With a rich legacy of the L&T Group, L&T Financial Services has become a trusted name in the financial sector. Explore their journey, milestones, vision, mission, wide spectrum of products and services, and their role in the evolving Indian fintech ecosystem.


L&T Financial Services is a subsidiary of Larsen & Toubro Limited (L&T), one of India’s most respected conglomerates.  Originally Founded in1994, it became was incorporated as L&T Finance Holdings Ltd on May 1 2008. L&T Financial Services vision is to provide a wide range of financial products and services to individuals and businesses, serving as a catalyst for economic growth. Since then, it has grown to become a prominent player in the financial services sector, known for its ethical practices and customer-centric approach. They have grown on to become a massive player in the Indian NBFC ecosystem having a 2 crore + customer base, 27000+ employees and having presence in 21 states and 1 union territory. They have been rated AAA by CRISIL, ICRA, CARE, & INDIA.

Key milestones

  • Launch of Operations: In 2008, L&T Financial Services commenced its operations with the aim of providing accessible and transparent financial services to individuals and businesses across India.
  • Pan-India Presence: L&T Financial Services expanded its footprint across India, serving customers in both urban and rural areas, making financial inclusion a reality.
  • Diverse Product Portfolio: Over the years, the institution diversified its product portfolio, offering a wide range of financial solutions, including rural and infrastructure finance, housing finance, microloans, and more.
  • Digital Transformation: L&T Financial Services embraced digital innovation to enhance customer experiences, making financial services more convenient and accessible.

Vision and Mission

L&T Financial Services’ vision and mission reflect its dedication to redefining financial services, making them more accessible, transparent, and beneficial for all. Their culture is build on four important values – Ambition, Pride, Discipline, Integrity

Vision: To be the most admired and trusted financial services provider, contributing to the financial well-being of individuals and businesses.

Mission: To provide innovative and customer-centric financial solutions, leveraging technology, and a deep understanding of customer needs to foster economic growth and prosperity.

Awards and Recognition

  • 2023 – Fame National Award’ in the category of “Women Empowerment” for our Digital Sakhi Project
  • 2023 – Prestigious Brand of India’ at the Goal Fest Conclave 2023
  • 2023 – Best Company in Sustainable CSR” Award from Krypton Business Media
  • 2023 – Best CSR Initiative” Award from Banking Frontiers 
  • 2023 – Most Effective App for Consumer’ category at IDMA23
  • ESG India Leadership Award 2022 for Overall Leadership Skills
  • Mahatma Award for Transparency and Reporting 2022
  • The Economic Times Infra Focus Awards 2022

Products and Services

Rural and Infrastructure Finance

L&T Financial Services plays a crucial role in financing rural development and infrastructure projects, contributing to the growth of India’s rural and semi-urban areas.

Housing Finance

L&T Housing Finance provides home loans to individuals and families, helping them fulfill their dreams of homeownership with competitive interest rates and flexible repayment options. At L&T Finance, you can get housing loan upto 7.5 crores at an attractive interest rate from 8.6%


The institution offers microloans to support income generating activities. Short term loans are provided to women borrowers. Typically, loan amounts from Rs. 30000 – Rs. 110000 is disbursed

Personal Loans

L&T Financial Services provides personal loans to individuals for a variety of purposes, including education, medical expenses, or any personal need, with competitive interest rates. You can get personal loan upto Rs. 15 Lakhs at interest rates starting from 12%

Business Loans

The institution offers business loans to cater to the unique capital requirements of small and medium-sized enterprises (SMEs), enabling them to grow and thrive. They offer loans upto Rs. 50 lakhs without any collateral at interest rates from 15.5%

Two-Wheeler and Three-Wheeler Loans

L&T Financial Services supports individuals in acquiring two-wheelers and three-wheelers, enhancing mobility and livelihood opportunities. You will Up to 100% funding of the on-road price

Commercial Equipment Loans

The institution offers loans for the purchase of commercial equipment and machinery, supporting businesses in various industries. You can buy new tractors from multiple manufacturers.

Corporate Social Responsibility (CSR) Activities

L&T Financial Services is deeply committed to corporate social responsibility, with a focus on initiatives related to education, healthcare, pollution reduction, women empowerment, community development.

Some key CSR activities include:

  • 60000+ farmers have benefited
  • 30 Lakhs lives have been impacted through our community outreach programme
  • More than 1 Lakh saplings have been planted


L&T Financial Services is more than a financial institution; it’s a trusted partner in the financial journey of individuals and businesses. The journey, milestones, vision, mission, and commitment to CSR activities reflect L&T Financial Services’ dedication to redefining finance, making it more accessible, innovative, and beneficial for all.

Customer Care:

Toll Free: 7264888777

(Note: The content provided is a creative representation and may not include all the specific details of L&T Financial Services’s current status. For the most accurate and up-to-date information, please refer to the official L&T Financial Services website.)