Balance Transfer
Home Loan Tax Exemptions 2025: Maximise Your Savings
May 5, 2025 | 4 mins read
Introducing KAI
Rate of Interest
Loan Tenure
Eligibility
EMI Calculator
Loan Process
Home Loan
Make your dream home into reality with Home Loan for up to ₹ 10 Crore* and interest rates starting from 8.65%* p.a. Get up to 90%* of the property value, with tenure from 3 years to 30 years. Enjoy a fully digitised process, supported by a dedicated relationship manager to assist you at every step of the way. Additionally, you can also get tax benefits under Sections 80C and 24 of the Income Tax Act.
![tab img]()
Home Loan for Apartments
![tab img]()
Plot Plus Construction
![tab img]()
Home Loan for Self Construction
![tab img]()
Home Improvement
EMI Calculator
Results generated by the calculator(s) are indicative in nature.
Preferred loan amount
₹
₹20,00,000
₹10,00,00,000
Interest rate (per annum)
%
8.65%
13%
Loan tenure (months)
36 months
360 months
Estimated EMI
per month- ₹ 63,274
Interest payable
₹2,77,870
Eligibility & Documents
Eligibility
Residency:
Indian resident or NRI
Age:
Salaried: 23 years to 70 years
Self-employed: 25 years to 70 years
Profession:
Salaried / self-employed professionals and non-professionals
Other:
Can be increased by adding co-applicant income or other verifiable income sources
Documents
Age Proof
Aadhaar Card | PAN Card | Passport
Address Proof
Utility bills (not older than 2 months | Aadhaar Card | Driving License | Passport | Voter ID etc
Photo ID Proof
PAN and any one of the following- Aadhaar Card | Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address
Income Proof
Income proofs vary for different professionals across salaried, non-salaried and self-employed. List of required income documents
Exclusive deals from L&T Realty
Housing Loan
Buying a home in Mumbai was always a dream of mine, and L&T Finance has made this dream come true. They offered competitive interest rate, quick approval with easy documentation. I would highly recommend L&T Finance to anyone looking for a reliable home loan provider.
Yadika Hussain
Mumbai
Housing Loan
As a 2nd generation entrepreneur, expanding my PVD coating business was easy with L&T Finance. The process was fast, smooth, with minimal paperwork and the best interest rates. Thanks to PLANET, I can make part payments and withdrawals with ease. They've provided full funding for my growth.
Harsh Gosalia
Pune, Maharashtra
Business Loan
As a steel and aluminum trader, I needed constant capital post-COVID. L&T Finance's DLOD service impressed me with a seamless, fully digital process. Their executive guided me well, leading to a swift sanction. The competitive interest rate & round the clock transaction facility were game-changers for my business.
Jignesh Solanki
Mumbai
Housing Loan
L&T Finance made my homeownership and business growth easier! After taking a home loan with another bank, I needed additional funds to expand my business. L&T offered a quick response, pre-approval, & a streamlined process with minimal paperwork. Plus, I received lower interest rate & maximum funding!
Amol Hirawadekar
Mumbai
Housing Loan
Choosing L&T Finance for our home loan was seamless. The team was supportive, with transparent documentation, quick responses, and competitive rates. Their efficient process made our home-buying journey smooth, and the L&T Emerald’s location, amenities, and security make it the perfect choice for our family.
Amit Chaturvedi
Mumbai, Maharashtra
Home Loan
Tax Planning for Rs 12 Lakh: Old vs New Regime Analysis
May 30, 2025 | 4 mins read
Home Loan
What is HRA (House Rent Allowance), and How is HRA Exemption Calculated?
May 27, 2025 | 4 mins read
Home Loan
Tax Claims on a Home Loan: Prior to Possession - Is it Possible?
May 6, 2025 | 4 mins read
