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Key Features

· Unsecured Loan Upto 50L 

 

 

· Risk based rate of interest starting at 15.5% 

 

 

· Tenure Upto 60 months 

 

 

· Industry Best Decision Time (TAT) 

 

 

· Live Status Updates 

 

 

· No Hidden Charges 

 

 

· Live Application Status Update

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SME Loans – Loans for Entrepreneurs and Business Owners

 

You work hard for your business and want it to grow. When the time comes to expand your business, count on L&T Financial Services to be a partner in your journey. Whether you want to invest in new machinery, infrastructure or need extra working capital, our quick and easy customised solutions can help. Our SME Loans offer hassle-free, end-to end digital process, so that you can spend your time and efforts on expanding your business.

 

To Loans from Rs. 5 Lakh to Rs. 50 Lakh

 

Document List:

 

• KYC Documents:


• Firm/Company: PAN Card, Address Proof, GST Registration Certificate (If Applicable) and Other Applicable Registrations


 • Proprietor/Partner/Director:
PAN Card, Aadhaar Card, Electricity Bill/Rent Agreemen/Index II



• Income Documents:


 • Income Tax Returns along with computation for latest 2 years (wherever applicable)


 • Profit/Loss statement and Balance Sheet for the latest 2 years (wherever applicable)


 • GST Returns (wherever applicable)



• Bank Account Statement:


 • Operative Bank Account Statement for Latest 12 months

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EMI Calculator

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Eligibility Criteria

 

· Age: 26 - 65 years

 

· Turnover: 80L – 250 Cr

 

· Minimum Business Vintage: 3Years

 

· Minimum 6 months of previous Bureau History

 

 

 

 

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Fees & Charges

• Interest Rate

 Competitive rates from 15.5-20.5% depending on the credit score

 

• Pre-Payment Charges

 2% on principal outstanding plus applicable taxes

 

• Processing Fees

 One-time 2% processing fee is applicable on your loan amount

 

• Bounce Charges

 Rs. 500 bouncing charge (per bounce)

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L&T Housing Finance

Frequently Asked Questions