L&T Finance Loan App Se Loan Kaise Le | L&T Finance Loan Review 2025

L&T Finance Loan App

Agar aapko personal loan ki zarurat hai jo fast, reliable aur hassle-free ho, toh L&T Finance Personal Loan aapke liye ek best option ho sakta hai. Iska completely digital process aur flexible repayment options isse aur bhi attractive banate hain. Aayiye, is loan ke features aur charges ke baare mein detail mein jaante hain. Aur sath mein ye bhi jante hai ki aap is loan ke liye apply kaise kar sakte hai?

L&T Finance Loan App Types

L&T Finance Loan App se takriban 10 type ke loan mil sakte hai.

1. Two-Wheeler Loan

Agar aap ek new bike ya scooter kharidne ki soch rahe hain, to L&T Finance ka Two-Wheeler Loan aapke liye best hai. Yeh loan ek user-friendly process ke saath aata hai aur bina kisi documentation ki tension ke aapko aasan tarike se finance provide karta hai.

2. Personal Loan

Personal needs ke liye aapko ek quick aur hassle-free solution chahiye? L&T Finance ka Personal Loan perfect hai. Sirf 7 minutes mein approval aur disbursal ke saath, yeh loan minimal documentation par based hai.

3. Micro Loan

Indian women entrepreneurs ke liye specially designed, yeh Micro Loan aapki rural aspirations ko support karta hai. Iska matured loan structure rural businesses ke liye ek great choice banata hai.

4. Housing Loan

Apna sapno ka ghar banane ya renovate karne ke liye Housing Loan apply karein. L&T Finance aapko ₹7.5 crore tak ka finance offer karta hai, jo aapki home dreams ko reality mein badal sakta hai.

5. Business Loan

Small aur medium-sized businesses ke liye yeh Business Loan ek perfect option hai. ₹75 lakhs tak ka finance aur low interest rates ke saath, yeh loan aapke business expansion ke liye ideal hai.

6. Farm Equipment Loan

Agar aap ek farmer hain to yeh loan aapke tractors aur agricultural implements ke liye best hai. Yeh loan aapko paperless aur hassle-free disbursal ka option deta hai, jo farming needs ko fulfill karne mein madad karta hai.

7. Loan Against Property

Apne ghar ya property ke against loan le kar apni badi financial needs ko pura karein, jaise wedding, debt consolidation, home renovation, ya child education. Iska flexible repayment option aapko tension-free rakhta hai.

8. Loan for CA/CS

Chartered Accountants aur Company Secretaries ke liye exclusively designed, yeh unsecured personal loan financial stress ko manage karne ke liye ek ideal solution hai.

9. Loan for Doctors

Doctors ke liye ek exclusive loan jo unki financial zarurat ko fulfill karta hai, chahe woh apni practice expand karna ho ya koi personal kharcha cover karna ho.

10. SME Additional Withdrawal

Small aur Medium Enterprises ke liye yeh ek khaas product hai jisme aap additional funds ko withdraw kar sakte hain apne business needs ke liye.

L&T Finance Loan App Loan Amount

Is app ke zariye aap ₹30 lakh tak ka loan le sakte ho.

L&T Finance Loan App Interest Rate

L&T Finance Loan App me interest rate kam se kam 11% se shuru hote hain.

L&T Finance Loan App Loan Tenure

Aap 12 mahine se lekar 72 mahine tak apne loan ka repayment kar sakte ho.

L&T Finance Loan App Processing Fees

Processing fee loan amount ka 3% tak hota hai + applicable taxes.

L&T Finance Loan App EMI Bounce Charges

• Loan amount ₹5 lakh se kam hone par ₹500.
• Loan amount ₹5 lakh se zyada hone par ₹1000.

L&T Finance Loan App Late Payment Charges

Overdue EMI par 2% per month ka late payment charge lagega.

L&T Finance Loan App Prepayment & Foreclosure Charges

• Part prepayment par 5% tak ka charge lagega.
• Foreclosure karne par principal outstanding amount ka 5% tak charge lagega.

L&T Finance Loan App Duplicate NOC Charges

• 3 free copies ke baad ₹250 + applicable taxes charge kiya jayega.

L&T Finance Loan App Cooling-Off Period

• Disbursal ke 3 din tak prepayment karne par koi penalty nahi lagegi.

L&T Finance Loan App Loan Cancellation Charges

• 3 din ke cooling-off period ke baad loan cancel karne par outstanding loan amount ka 5% + applicable taxes ka charge lagega.

L&T Finance Loan App Example

Agar aap ₹10,000 ki credit line lete ho jisme 8% processing fee aur 18% yearly interest rate hai, toh 3 mahine ke loan tenure ke liye aapko total ₹10,450 repay karna hoga. APR yaha 27.54% banega.

L&T Finance Loan App Eligibility Criteria

1. Aapki age 19 se 55 saal ke beech honi chahiye.
2. Aapki Monthly salary ₹25,000 honi chahiye.
3. Aap Bharat ke nagrik hone chahiye.

L&T Finance Loan App ke Required Documents

• Selfie: Ek recent selfie ki zarurat hogi.
• Identity Proof: Passport, Aadhaar Card, PAN Card, ya Driving License (kisi ek ka use kar sakte hain).
• Address Proof: Passport, Rent Agreement, Utility Bill, ya Voter ID.
• Income Proof: Bank Statement ya Salary Slip ki zarurat pad sakti hai, agar aap apni salary zyada declare karte hain.

L&T Finance Loan App Se Loan Kaise Le?

• Sabse pahle aapne application ko Google Play Store se download karna hai. 
• Download karne ke bad aapane application ko open karna hai, ab aapse kuchh permissions mangi jaayengi aapane un sabhi permissions ko grant kar dena hai.
• Iske bad aapane language ko select karna hai then continue per click karna hai.
• Iske bad aapane apne mobile number ki madad se login karna hai. 
• Jiske liye aapko apna mobile number enter karna hai aur aapke mobile number per ek OTP aaega vah OTP aapane dalna hai. 
• Iske bad aapko ek 4 digit ka pen banana hai. 
• Iske bad aapko apni basic detail deni hai Jaise first name , last name ,date off birth aur email ID. Iske bad save per click karna hai.
• Ab aap application ke home page per a jaenge yahan per aapko instant personal loan ka vikalp dekhne ko milega aapane uske niche diye Gaye apply now button per click karna hai.
• Iske bad aap is application ki website per retact Ho jaenge Jahan per aapko apni personal detail deni hai. Personal detail mein aapko apna first name, last name, date of birth , apna mobile number jise aap OTP ki madad se verify karenge, apna gender Male ya female, Apne Aadhar Card ka number aur PAN card ka number dalenge. Iske bad validate pahan per click karenge. 
• Ab aapko apni email id dalni hai, current address ka pin code dalna hai, employment type dalni hai, aapki education qualification kitni hai, aapki annual income kitni hai, aapki residence ownership kaisi hai yani aapka Ghar khud ka hai ya kiraye ka hai, aapko kitne Tak ka loan chahie, aur sabse aakhir mein logon ka purpose kya hai. 
• Iske bad aapko terms and condition ko accept karke next per click karna hai. 
• Iske bad aapko ek loan ka offer milega jise aap apne anusar customise kar sakenge Jaise aap apni loan amount ko decide kar sakenge Apne tenure ko accept kar sakenge aur apne interested ko select kar sakenge. 
• Iske bad aapko apni insurance ki detail bharni hai jismein aapko nominee ki details fill karne ko kaha jaega aapane use fill karna hai. Ismein aapko nominee name, nominee date of birth, gender, relationship kya hai applicant ke sath & nominee mobile number. 
• Iske bad aapko Apne documents ko upload karna hai, kiske liye aap digilocker KYC ka istemal kar sakenge. 
• Iske bad aapko Apne adress ki detail deni hai, address ka proof upload karna hai. 
• Iske bad aap jis bank account mein loan amount Lena chahte Hain uske bare mein jankari deni hai. 
• Iske bad last mein aapko loan agreement ko sign karna hoga. 
• Aur aapke bank account mein loan ki amount credit kar di jayegi. 

To Is tarah se aapko is loan application se loan mil sakta hai. Is loan App ka loan application ka process jyadatar inki website per hota hai. Ho karta hun aapko aaj ka hi artical achcha Laga hoga agar aapko koi question hota hai is artical ke sambandh mein aap niche comment kar sakte hain. 

Ab aapko L&T Finance Loan App se loan lene ki poori process aur terms samajh aa gayi hai. Agar aapko aur information chahiye toh niche comment karke zarur batayein!

And Is tarah se is loan application se loan mil sakta hai. Aaj ke is article mein maine aapko jo bhi jankari Di hai yah Keval education purpose ke liye Di hai yahan per yah loan ke liye Maine apply kiya tha mujhko yahan per jo bhi loan mila hai maine aapko bataya ki kaise loan ke liye apply kiya ja sakta hai. 

Agar aap koi bhi apna decision Lena chahte ho to aapko ek bar kisi financial expert se Salah jarur leni chahie.