8 key benefits of choosing L&T Finance Personal Loan for your financial needs
A Personal Loan can be a lifesaver when you need urgent funds—be it for a medical emergency, home renovation, wedding, education, or even a planned vacation. But with so many lenders in the market, how do you decide which one is right for you?
If you're looking for a solution that is both fast and reliable, the L&T Finance Personal Loan stands out for its simplicity, transparency, and customer-friendly features. Backed by the legacy and trust of L&T, this offering brings convenience and peace of mind to borrowers across India. Key Benefits to Choose an L&T Finance Personal Loan
Let's explore eight key benefits of choosing an L&T Finance Personal Loan to meet your financial goals. 1. Quick and Hassle-Free Loan Approval
One of the biggest advantages of opting for an L&T Finance Personal Loan is the speed of processing. Whether you apply online or offline, the entire approval and disbursal process is built to be fast, efficient, and seamless. Minimal documentation required
Instant eligibility check online
Approval and disbursal in as little as 48 hours*
For salaried or self-employed individuals who can't afford delays, this speed can make all the difference, especially in emergencies. 2. Attractive and Competitive Interest Rates
Another reason many prefer L&T Finance is the affordability factor. The L&T Finance Personal Loan interest rate is competitively priced based on your credit profile, income level, and repayment capacity. Interest rates start from attractive levels, depending on eligibility
Transparent pricing with no hidden charges
Tailored offers for professionals, government employees, and corporate customers
A better rate means lower EMIs and savings over the loan tenure, giving you more financial breathing room. 3. High Loan Amounts up to ₹ 15 Lakhs
Whether your financial need is small or significant, L&T Finance Personal Loan can support it. You can borrow from ₹ 50,000 up to ₹ 15 Llakh based on your profile and repayment history.
This flexibility is ideal for: Funding higher education
Covering large wedding expenses
Consolidating credit card or other high-interest debts
Undertaking big-ticket purchases like furniture, appliances, or electronics
With access to a large loan amount, you don't need to dip into savings or break your fixed deposits. 4. Flexible Repayment Tenure
When it comes to Personal Loans, repayment comfort is just as important as loan approval. L&T Finance offers flexible repayment tenures ranging from 12 to 72 months, allowing you to choose a plan that fits your budget. Short tenure = higher EMI, but lower overall interest
Longer tenure = lower EMI, more manageable monthly payments
Depending on your income flow, you can pick a term that helps you maintain lifestyle stability without EMI pressure. 5. Zero Collateral Requirement
One of the biggest worries borrowers have is whether they'll need to pledge assets to get a loan. With L&T Finance, you get an entirely unsecured loan—meaning no need to offer gold, property, or other guarantees. No risk to personal or family assets
Simple KYC and income documentation sufficient
Ideal for young professionals or first-time borrowers
This makes L&T Finance Personal Loan an ideal choice for those who want quick funds without paperwork complications. 6. Easy Online Application and Customer Support
You don't have to visit branches or fill long forms to apply. The L&T Finance website offers a fully digital process: Check eligibility in seconds
Upload documents from your phone or laptop
Track loan status online
e-Mandate setup for automated EMI deductions
Moreover, a responsive customer service team is available to answer queries, guide you through repayment or help restructure your plan if needed. 7. Special Offers and Pre-Approved Deals
L&T Finance often runs special campaigns with discounted L&T Finance Personal Loan interest rate offers for: Existing L&T customers
Salaried professionals working with partner organisations
Government and PSU employees
Customers with excellent credit scores
If you're pre-approved, your loan can be disbursed in a matter of hours—no fresh documentation needed. These offers also tend to come with reduced processing fees and flexible terms. 8. Transparent Terms with No Hidden Charges
One of the most important aspects of any financial product is trust. With L&T Finance, you get absolute clarity on: Interest calculation
EMI structure
Foreclosure charges (if any)
Processing fees and GST
There are no surprise costs that creep up later, ensuring a smooth experience from start to finish. Transparency also helps you plan your finances better without second-guessing terms or chasing service support. Final Thoughts
Choosing the right Personal Loan can help you manage life's expenses with ease, but it's the lender's features and reliability that truly make the experience worthwhile. An L&T Finance Personal Loan offers just that—a balanced mix of flexibility, speed, affordability, and customer support.
From fast approvals to attractive L&T Finance Personal Loan interest rate options, it ticks all the boxes for a borrower looking for both convenience and value. Whether you need funds urgently or want to plan for a major expense, L&T Finance provides a secure and efficient solution tailored to your needs.
Before you apply, be sure to check your eligibility, understand the repayment terms, and compare the EMI using their online calculator. And remember—responsible borrowing and timely repayment can also help you improve your credit score for future needs.
* T&C Apply
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
3 hours ago
- Yahoo
Legendary Investor Bill Miller's Fund Is Loading Up on This 6.3%-Yielding Dividend Stock. Here's Why I Plan to Buy More of It, Too.
The hedge fund founded by investing legend Bill Miller and now run by his son initiated a new position in Verizon in Q1. Verizon's appeal includes a low valuation, growing free cash flow, and a juicy dividend. The main knock against this telecom stock is its high debt level. 10 stocks we like better than Verizon Communications › Many investment managers have a hard time beating the S&P 500. Not Bill Miller. When he ran Legg Mason Capital Management's Value Trust, Miller delivered higher returns than the S&P 500 for 15 consecutive years, from 1990 to 2005. Miller founded Miller Value Partners and served as its chairman and chief investment officer through May 2023. He passed the baton to his son, Bill Miller IV, who is carrying on the family legacy. Miller Value Partners' investment portfolio includes 34 stocks. The hedge fund added only three new positions in the first quarter of 2025. What was its biggest new holding? Verizon Communications (NYSE: VZ). Verizon isn't the only telecommunications giant in Miller Value Partners' portfolio. The fund also owns a position in AT&T. However, it reduced the stake in AT&T by roughly 78% in the first quarter. AT&T is now Miller Value Partners' seventh-smallest holding. The younger Miller seems to be trading telecom leaders, though. He initiated a new position in Verizon in the first quarter, buying 198,000 shares. This stake in Verizon was worth $8.98 million as of March 31, 2025. That might not seem like a huge amount, especially considering Verizon's market cap of nearly $183 billion. However, it's a big deal for Miller Value Partners. In one fell swoop, Verizon became the hedge fund's eighth-largest position, making up 4.09% of its total portfolio. Why did Miller Value Partners find Verizon so appealing? Just look at the hedge fund's middle name: value. Verizon's shares trade at a forward price-to-earnings ratio of only 9.2. By comparison, AT&T's forward earnings multiple is 13.4 -- nearly 46% higher. But Verizon isn't a value trap. The company's business is rocking along steadily. Verizon reported year-over-year growth on both the top and bottom lines in the first quarter. Its wireless service revenue of $20.8 billion led the industry. The company had its best wireless retail core prepaid net additions since it acquired TracFone in 2021. Its adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) was the highest ever, with the strongest growth rate in nearly four years. Even better, Verizon's growth could accelerate in the not-too-distant future. The company expects to close its acquisition of Frontier Communications in early 2026. I suspect Bill Miller III and his team also liked Verizon's dividend. In addition to the juicy yield, Verizon has increased its dividend payout for 18 consecutive years. The company appears to be in a good position to keep that streak going, with its free cash flow soaring to $3.6 billion in the first quarter of 2025 from $2.7 billion in the prior-year period. While Miller Value Partners only recently initiated a position in Verizon, I've owned the telecom stock since last year. Why do I like Verizon? For the same reasons that Bill Miller III probably likes the stock. Its valuation is attractive. Its business is solid. Its free cash flow is growing. Its growth should accelerate. And its dividend is high. Is there anything not to like about Verizon? Sure. I'm not enthused about the company's debt load. Verizon had net unsecured debt of $115.1 billion at the end of the first quarter of 2025. On a positive note, this is $11 billion lower than the net unsecured debt in the first quarter of 2024. Verizon's net unsecured debt to consolidated adjusted EBITDA also improved year over year. Additionally, CFO Anthony Skiadis said in the Q1 earnings call that the company has "a clear pathway for meaningful debt reduction ahead of the closing of the Frontier transaction." Overall, I think the pluses for Verizon outweigh the minuses. I plan to buy even more shares of this telecom giant soon. Before you buy stock in Verizon Communications, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and Verizon Communications wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $651,049!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $828,224!* Now, it's worth noting Stock Advisor's total average return is 979% — a market-crushing outperformance compared to 171% for the S&P 500. Don't miss out on the latest top 10 list, available when you join . See the 10 stocks » *Stock Advisor returns as of May 19, 2025 Keith Speights has positions in Verizon Communications. The Motley Fool recommends Verizon Communications. The Motley Fool has a disclosure policy. Legendary Investor Bill Miller's Fund Is Loading Up on This 6.3%-Yielding Dividend Stock. Here's Why I Plan to Buy More of It, Too. was originally published by The Motley Fool Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
3 hours ago
- Yahoo
Cancer patients live 40pc longer after experimental treatment
Cancer patients given experimental treatment that programmes the body to attack rogue cells live 40 per cent longer, major research shows. Chimeric antigen receptor (CAR) T-cell therapy is a form of immunotherapy where a patient's own T-cells – a type of white blood cell – are altered in a lab to target and kill cancer cells. The engineered cells are then reintroduced into the patient's bloodstream. CAR T-cell therapy works by genetically engineering a patient's T-cells to recognise and destroy cancer cells. T-cells are a type of white blood cell that can recognise and destroy foreign cells, including cancer cells, but because cancer is very good at evading immune detection, they often miss their mark. CAR T-cells are engineered to make them better at detecting cancer cells. The pioneering therapy had already been hailed by scientists as one of the most significant breakthroughs in treatment for its success in treating blood cancers. Now, new findings suggest it could also revolutionise treatment for solid tumours. Experts at the American Society of Clinical Oncology's (Asco) annual meeting in Chicago, the world's largest cancer conference, said the findings heralded 'a new generation of treatment'. Solid tumours represent roughly 90 per cent of all adult human cancers, including breast, lung and pancreatic cancer. Currently, over 650 CAR-Ts are in active development for a solid tumour indication. The new study – the first ever randomised controlled trial of CAR T-cell therapy in solid tumours – involved patients with advanced gastric or gastro-oesophageal junction (GEJ) cancer. Those given the radical treatment lived on average approximately 40 per cent longer than patients who received standard care, a clinical trial found. The results have been simultaneously published in the medical journal The Lancet. Dr Carl June, a leading expert on CAR T-cell therapy at the University of Pennsylvania, who was not involved with the trial, said the findings were 'groundbreaking'. He said: 'This is an exciting study showing the first positive results from a randomised trial testing CAR T-cells for a solid cancer.' In the trial, over 100 patients in China with advanced gastric or GEJ cancer were randomised to receive either CAR T-cell therapy or one of the standard-of-care medications. Patients who received CAR T-cell therapy lived an average of 7.9 months after randomisation, compared to 5.5 months with standard care. Patients receiving the designer immunotherapy also experienced 3.3 months without the cancer advancing, versus 1.8 months in the standard care group. The researchers, from Peking University Cancer Hospital and Institute in Beijing, said CAR-T-cell therapy 'showed a statistically significant improvement in progression-free survival and clinically meaningful improvement in overall survival'. The results suggest CAR T-cell 'could represent a paradigm shift' in care, addressing a crucial unmet need for some patients, they added. A second study on CAR T-cell led by the University of Pennsylvania and due to be presented at Asco on Sunday, suggested the approach could also be used to treat brain tumours. Results from that trial are expected to show CAR T-cell can shrink tumours in glioblastoma, a notoriously aggressive and fast-growing brain cancer, and help patients live much longer. Oncologists in Chicago said they were increasingly optimistic about the potential of the therapy to revolutionise treatment of solid tumours, after dramatic success with blood cancers. Dr John Haanen, of the Netherlands Cancer Institute, who will deliver a presentation on CAR T-cell therapy at the Asco meeting, said the breakthroughs suggest 'a new generation of treatment that wasn't there for medical oncologists before'. Dr Catherine Elliott, director of research at Cancer Research UK, said: 'CAR T-cell therapy – a highly personalised treatment that modifies a patient's own immune cells to recognise and destroy their cancer – has already shown success in treating some blood cancers, but it hasn't yet worked well for solid tumours.' She said it was 'encouraging' to see early signs that it might help those with advanced stomach or gastroesophageal junction cancer, who lived an extra two and a half months longer than those given standard care. Broaden your horizons with award-winning British journalism. Try The Telegraph free for 1 month with unlimited access to our award-winning website, exclusive app, money-saving offers and more.
CNET
a day ago
- CNET
My Week With AT&T Internet Air Left Me Bummed
With all the talk of a possible recession, tariff uncertainty, the high price of eggs and market fluctuations, it can be challenging to part with your money. Once you decide to spend a bit, you want that purchase to be worth it. If it isn't, falling short of what you hoped for can be especially frustrating. When it comes to home internet, I often say that the best broadband connection is one you never notice. With steady buffering and long load times, AT&T's 5G internet offering, AT&T Internet Air, never let me forget that I was using it. Seemingly overnight, we've seen a rise in 5G home internet popularity. One report found that 89% of new broadband subscriptions in the past two years came from just two 5G providers: T-Mobile and Verizon. So when AT&T launched AT&T Internet Air late in 2023, I was excited to see how it compared. I was quickly disappointed. I have as friendly a testing environment as you'll ever find for an internet provider. I live alone in a one-bedroom apartment, and the list of connected devices I own is shockingly short: Just my iPhone SE, Apple TV 4K and a MacBook Pro that I use to work from home. That's not much strain to put on a Wi-Fi network, but even so, AT&T Internet Air couldn't handle it. That's why I have a hard time recommending the service to anyone. AT&T's wireless internet connection consistently delivered download speeds below 10 megabits per second -- a far cry from the 90Mbps to 300Mbps it advertises. That said, wireless internet speeds are more dependent on location than wired options like cable and fiber, so your experience may be much better than mine was. (Subscribers on AT&T's subreddit reported speeds in the 150Mbps to 300Mbps range.) Locating local internet providers There were things I liked about AT&T Internet Air -- namely, the easy setup and useful app -- but that's like saying I like everything about a car except the fact that it can't go above 25 miles an hour. Internet providers have one job -- to deliver a fast, reliable connection -- and on that front, AT&T Internet Air was an unequivocal bust. Read more: My T-Mobile 5G Home Internet Experience: What I love and What I Wish Were Better Joe Supan / CNET Setting up AT&T Internet Air All in all, it only took me 11 minutes to set up AT&T Internet Air. It truly couldn't have been simpler. The box only comes with two items: A gateway device and a power outlet. I followed the instructions in the box, downloaded AT&T's Smart Home Manager app and scanned the QR code on the device. The app suggested that I place the gateway device near a window and facing west if possible. I was able to find a spot that checked both boxes near my desk, where I'd need the strongest internet speeds possible. Once I'd landed on a location, the app ran a quick test and gave me the approval. I was now ready to test out the connection. AT&T Internet Air speed and reliability There's no way around it: AT&T Internet Air's speeds were incredibly disappointing, and the speeds I was getting would be basically unusable for most people. It boils down to the advertised speeds versus the actual speeds you get. After dozens of speed tests throughout the week, AT&T Internet Air averaged a download speed of 5.86Mbps and 9.87Mbps upload in my apartment. The highest download speed I got at any point was 10.63Mbps, while upload speeds peaked at 14.38Mbps. At the same time, my $50 Connect More plan through Xfinity -- advertised as 300Mbps download -- returned average speeds of 321/109Mbps. AT&T Internet Air's latency was also very high, with an average ping rate of 298ms. That's bad news if you plan on doing any online gaming, where 40ms or lower is considered ideal. AT&T says that users typically experience download speeds between 90Mbps and 300Mbps and upload speeds between 8Mbps and 30Mbps. My upload speeds fell within that range but I never came close to 90Mbps download. The highest I got was 14.38Mbps. (I used Ookla for all of my speed tests, which is owned by the same parent company as CNET, Ziff Davis.) Wireless internet like AT&T Internet Air or T-Mobile 5G Home Internet is inherently more erratic than a wired connection like cable or fiber. Because it transmits data wirelessly from a cellular tower, it's more vulnerable to network congestion and weather disruption. That's why router placement is particularly important -- if you don't have a clear line to the nearest tower, your internet connection will suffer. But I did have a clear line. I could find a spot for the router right against a window facing west, just as I was instructed during setup. The problem didn't seem to be the location of my home, either: AT&T's coverage map shows the entire city of Seattle blanketed in 5G Plus speeds, which it describes as its fastest tier. AT&T's coverage map indicates that I should have been able to access AT&T's fastest speed tier. AT&T I tried moving the router to a few different locations over the course of testing but speeds never improved. In fact, it got even slower when I moved it to another room or away from the window. AT&T recommended calling customer support to help determine the best spot for the device based on where the closest cell tower is. Wireless internet providers like AT&T, T-Mobile and Verizon all include a caveat in the fine print that says they may temporarily slow your speeds if the network is congested. That might explain my test results if they were all happening at 'internet rush hour' -- the hours between 7 and 11 p.m. when traffic is highest. But I tested AT&T Internet Air at various times throughout the day and never saw much of a difference. How was it using AT&T Internet Air? If anyone can get by with slow internet speeds, it's me. I live alone and I don't do any bandwidth-stressing activities like online gaming and the only devices connected to the internet are my phone, laptop and streaming device. But even with that minimal setup, AT&T Internet Air struggled to pull its weight. Zoom meetings at work were reliably unreliable, to the point where I had to switch back over to my Xfinity connection several times. Working in Google Docs, the connection would routinely drop out, causing me to wait a few seconds before I could continue writing this review. AT&T Internet Air's range was basically limited to the room with the router. When I ran speed tests in my bedroom -- one wall away from the router -- my connection slowed to a mere 1Mbps in download and upload speed. It was a frustrating experience. I found myself switching back over to Xfinity or cellular data on my phone every time I wanted to do something like watch a YouTube video from the group chat or take a FaceTime call. I don't need gig speeds -- I probably don't even really need 100Mbps speeds -- but I do need at least 15Mbps, which is what Netflix recommends for streaming in 4K. Unfortunately, AT&T Internet Air failed to clear even that low bar. How does AT&T Internet Air compare to other 5G internet providers? 5G home internet has taken off in the past few years and AT&T is later to the party than competitors T-Mobile Home Internet and Verizon 5G Home Internet. In general, using 5G technology for home internet has been an unequivocal success. A survey from J.D. Power released last summer found that customer satisfaction is higher for wireless customers than cable or fiber, even though it received lower performance scores. 'A lot of the concerns I had heard about fixed wireless access were that it's just never going to be as fast as fiber,' Carl Lepper, senior director of the technology, media and telecommunications intelligence practice at J.D. Power, told me at the time. 'But for a lot of people, affordability trumps that. And it's not often that you need superfast speeds, depending on how you're using your internet.' 5G home internet often reaches rural households where cable and fiber aren't available and it's a significant step up from the satellite or DSL service that those internet users are typically stuck with. And because 5G providers are cellphone carriers first and foremost, they offer significant savings when you bundle home internet with a cellphone plan. Provider Monthly price Advertised download speeds Advertised upload speeds AT&T Internet Air Read full review $60 ($47 with an eligible AT&T wireless plan) 90-300Mbps 8-30Mbps T-Mobile Home Internet Read full review $50-$70 ($30-$50 with cellphone plan) 87-415Mbps 12-56Mbps Verizon 5G Home Internet Read full review $50-$70 ($35-$55 with qualifying Verizon 5G mobile plans) 300-1,000Mbps 20-75Mbps Show more (0 item) Shop providers at my address Those savings aren't quite as significant with AT&T as they are with T-Mobile and Verizon, but paying $47 a month for home internet is still a solid deal. If you're not bundling with a cellphone plan, AT&T Internet Air is on the expensive side and there's no guarantee that it will make up for it with faster speeds -- as my week with AT&T showed. The final verdict: AT&T Internet Air could still be useful for some After those disappointing results, you might be surprised to learn that I still wouldn't swear off AT&T Internet Air completely. Other customers have clearly gotten faster speeds than I did -- Reddit users regularly report speeds north of 700Mbps -- and there's a chance my apartment is just in a particularly bad location for the service. Unlike T-Mobile 5G Home Internet, AT&T Internet Air does not offer a free trial, so you'll be out at least $60 if you sign up and find out the speeds aren't fast enough. I'd still recommend going with T-Mobile or Verizon first if you want to try out 5G home internet, but AT&T Internet is still worth a shot if you're stuck with limited options. I tried AT&T Internet Air for a week FAQs: What is AT&T Internet Air? AT&T Internet Air is a 5G fixed wireless connection that offers a singular plan. Pricing starts at $60 monthly or $47 if you bundle it with an eligible AT&T wireless plan. In areas where AT&T's faster fiber service is unavailable, this fixed wireless option could be an alternative for some. Is AT&T Internet Air fast? AT&T Internet Air advertises download speeds of 90Mbps to 300Mbps and upload speeds of 8Mbps to 30Mbps. However, after conducting a dozen speed tests at home, my actual speeds were significantly lower than what was advertised. The highest speed I was able to reach for upload was 14.38Mbps, which is on the lower end of that range. With AT&T Internet Air, I only averaged 5.86Mbps download and 9.87Mbps upload. Compared to other 5G providers, Verizon and T-Mobile advertise much faster speeds, topping out at 415Mbps and 1,000Mbps, respectively. However, it's worth noting that even if you get faster speeds at your home with a 5G fixed wireless connection, your speeds can be temporarily slowed down during network congestion. In addition, AT&T's latency is very high, which can be pretty bad if you're a gamer. The average ping rate that I received at home was 298ms. For online gaming, your ping rate should be 50ms or lower.
