L&T Finance online EMI payments
Pay your Loan EMI with Oolka and earn cashback rewards
L&T Finance Loan EMI Payment
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About L&T Finance
L&T Finance is one of India's leading non-banking financial companies and a subsidiary of engineering conglomerate Larsen & Toubro Limited. L&T Finance Limited. Formerly L&T Finance Holdings Limited following the 2024 reverse merger. Is an RBI-registered NBFC in the Upper Layer (NBFC-UL) category, incorporated in 2008 and headquartered at Brindavan in Mumbai. The company has built a retail franchise across home loans, personal loans, two-wheeler loans, farmer loans, micro loans, gold loans, and SME finance, serving customers through 1,700+ branches and meeting points across India.
Home loan (including balance transfer and top-up)
Loan against property (LAP, micro LAP, balance transfer)
Personal loan (vacation, wedding, education, medical)
Two-wheeler loan (including electric and super bike finance)
Farm equipment loan (tractor, agri-implement, refinance)
Rural group loan: Vikaas, Vishwas, Pragati (joint-liability women's group loans)
SME and business loan (for doctors, chartered accountants, professionals)
Gold loan (Sampati, Saraswati, Safalta variants)
Consumer loan and home appliance finance
Insurance distribution as corporate agent (IRDAI CA0867)
These are the loan products L&T Finance offers across India.
How to Pay L&T Finance EMI Online
You can pay your L&T Finance EMI through several channels:
PLANET app by L&T Finance: pay EMI, view loan account, foreclose, prepay
PLANET customer portal: planet.ltfinance.com (web)
BBPS: pay L&T Finance EMI on Google Pay, PhonePe, Paytm, or any UPI app under the "Loan EMI" biller category
NACH auto-debit: default for most loans, deducted from your registered bank account on the EMI due date
NEFT / RTGS / IMPS: to the loan-specific account number in your sanction letter
**Net banking** via planet.ltfinance.com
**Debit card** via the PLANET app
KAI chatbot: AI assistant on the website and PLANET app for instant balance, due-date, and statement requests
**Track L&T Finance EMI on Oolka:** if you have loans across multiple lenders, you can manage all your EMIs in one view on Oolka and get an alert when your credit score qualifies you for a lower-rate refinance offer.
Use the official channels above, or pay on Oolka to get cashback, EMI reminders, and a free credit score check.
L&T Finance Customer Care
Contact L&T Finance directly for EMI, account, or grievance queries:
Customer care toll-free: 1800-268-0000 (9:00 AM to 6:00 PM, all days except National Holidays)
Email: customercare@ltfs.com
WhatsApp: +91 7378333451
Registered office: Brindavan, Plot No. 177, CST Road, Kalina, Santacruz (East), Mumbai, 400 098
RBI escalation (Level 4): 14448 (RBI CRPC, Chandigarh) | cms.rbi.org.in
For account-specific queries, log in to https://planet.ltfinance.com. https://planet.ltfinance.com is the PLANET customer portal where existing L&T Finance customers can view their EMI schedule, download loan statements, see outstanding principal, request a foreclosure quote, and chat with KAI for instant support. The PLANET mobile app mirrors the same features.
L&T Finance Prepayment and Foreclosure
L&T Finance allows part-prepayment and full foreclosure on most loans after the initial lock-in period defined in your sanction letter. Foreclosure and part-prepayment charges vary by product. Home loans, LAP, personal, two-wheeler, and farm equipment loans each carry different fee structures. Per RBI rules, floating-rate home loans and LAP given to individual borrowers cannot be charged foreclosure fees. Check the exact charge percentage on your sanction letter or in the PLANET app's schedule of charges before paying. Before you foreclose, run the numbers on Oolka. It shows exactly how closing this L&T Finance loan will move your credit score, since sometimes keeping the account open longer is better for your credit mix.
Why Pay L&T Finance EMI on Oolka
Three things you get on Oolka that you do not get paying directly:
EMI reminders three days before the due date, so you never miss an EMI by accident.
Free credit score check, so you know how your EMI history is affecting your credit.
Cashback offers on select payments.
Most importantly, Oolka shows you exactly how an on-time L&T Finance EMI moves your credit score, and what to do if you have already missed one.
Frequently Asked Questions about L&T Finance
Other Lenders You Can Pay on Oolka
Oolka supports EMI payments for loans from these lenders too:
Belstar Microfinance
Bajaj Finserv
Hero Fin Corp
Bajaj Auto Finance
L&T Finance
Aditya Birla Capital
IDFC FIRST Bank
One app, one login, all your loan EMIs in one view.
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