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Blogs

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personal loan

What is the Moratorium Period in Personal Loan?

Oct 30, 2025 | 4 mins read
personal loan

What is the Minimum CIBIL Score Required for a Personal Loan?

Oct 30, 2025 | 4 mins read
personal loan

Types of Personal Loan: A Complete Guide

Oct 29, 2025 | 4 mins read
personal loan

Personal Loan Settlement: Meaning, Process, and Impact on Your Credit Score

Oct 29, 2025 | 4 mins read
personal loan

How Much Minimum Salary Is Required For A Personal Loan?

Oct 27, 2025 | 4 mins read
Insurance

Understanding Health Insurance in India: A Beginner’s Guide

Oct 16, 2025 | 4 mins read
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Tax Benefits of Health Insurance Under Section 80D: A Strategic Guide

Oct 16, 2025 | 4 mins read
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Understanding Motor Insurance: Third-Party vs. Comprehensive

Oct 15, 2025 | 4 mins read
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Pre existing Conditions: What You Need to Know Before Buying Health Insurance

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Life Insurance for NRIs: What You Need to Know

Oct 14, 2025 | 4 mins read
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FAQs & Support

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Are there prepayment or foreclosure charges on loans in Kolkata?

Yes, there are prepayment charges of 5% of POS (Principal Outstanding) + applicable taxes.

What will the EMI be for a ₹ 50 Lakh Home Loan for 20 years?

The EMI for a ₹ 50 Lakh Home Loan for 20 years is around ₹ 43,867 at 8.70% p.a.

Are there any hidden charges in a Personal Loan Balance Transfer?

L&T Finance does not have any hidden charges.

How can I repay my two-wheeler loan?

You can repay your two-wheeler loan with a range of options. This includes eNach (Net Banking, Debit Card, Aadhaar, UPI), physical mandate through direct bank transfers, online payment through L&T Finance website. You can also repay through cheque & cash by visiting your nearest L&T Finance branch.

How do you get the lowest Interest Rate on a Personal Loan?

To secure the lowest Personal Loan interest rate in India, maintain a high credit score, compare lender offers, and choose shorter loan tenures.

Is a PAN card sufficient for getting a Personal Loan?

Yes, but you may also require basic income proof and address proof.

How much is the EMI on a ₹ 35 Lakh Home Loan?

Around ₹ 30,707 per month for 20 years at 8.70% interest.

Who can opt for the balance transfer facility?

Any borrower who meets the eligibility criteria set by the new lender can opt for the balance transfer facility.

How does credit score impact the Two Wheeler Loan interest rates?

A high credit score typically leads to lower interest rates as it indicates low credit risk, while a low score may increase rates due to higher perceived risk by lenders.

What is the current interest rate for a Personal Loan?

At L&T Finance, current Personal Loan interest rates start from 11%* per annum, depending on your creditworthiness and lender.

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