Housing (Home) loan

Our Home Loans open the door to your dream home. At L&T Housing Finance Ltd, we ensure that we give you unmatched quality service and transparency right through the loan procedure and a handholding experience that remains with you till the time you realize your dream home.


Attractive interest rates
Loans available for all
No income proof schemes available
Loans tenure from 1 to 5 years

Home loan can be provided for below stated purpose:
Loan for Construction: This facility is to provide financial assistance for construction of residential House within the approved location limit as per the estimate from registered engineers.

Loan for Purchase of House:
This facility is to provide financial assistance for acquisition of new or resale residential House. Property can be ready built/under construction.

Loan for Take Over from approved institution:
This facility allows the customer to transfer his existing Home Loan from approved institution with facility of top up.

Loan Refinance:
This facility is to provide financial assistance to substitute/refinance the existing Loans that are taken towards purchase/construction of House within a period of 6 months.

Composite Loan scheme:
This facility is to provide finance for purchase of plot and construction of residential House thereon within a specific time.

Land Purchase

Use of land loans for purchasing a residential plot of land for self-construction.


Enables purchase of residential plot of land today for a self-construction in future.
Property construction to be completed within two years from the date of availing first
disbursement of the loan.
The plot must be within municipal limits of hub locations or outside municipal limits in case of direct allotment by Development Authority

Construction Loan

The joy of constructing your dream home on the plot of land you own is incomparable. All you need is a Home Construction loan from DHFL to make it a reality.


Tenure & Term: The tenure of your Home Construction Loan ranges from 1 to 20 years. The term however does not extend beyond the retirement age or 60 years whichever is earlier (65 years for self employed individuals)
Purpose: Avail a Home Construction Loan if you are self-constructing the house on a plot of land that you own
Interest Rates: The Interest rate applicable is based on the DHFL’s Retail Prime Lending Rate (RPLR) which fluctuates from time to time based on the money market conditions

Renovation Loan

Make your home the place of your dreams - renovate, furnish or paint your home with easy home improvement loans from Kotak Bank.


Funds all your needs for decoration, painting, renovation, furnishing, changing the look of your home, tiling, flooring, plumbing, waterproofing, electrical work, grills and aluminium windows, roofing, construction of underground/overhead water tank, paving of compound wall (with stone/tile/etc.) and borewell
Maximum term is 15 years subject to your retirement age and may vary as per your profile
Can be applied for either individually or jointly

Loan Against Property

Loan based on the value of your securities
Pledge your securities in favour of ICICI Bank, get an overdraft facility of up to a certain value.

Easy withdrawal
Withdraw the money as and when you require from a current account that will be opened specially for you.

Limited interest
Interest rate will be charged only on the amount withdrawn and for the time span utilised.


Attractive interest rates
Loans available for all
No income proof schemes available
Loans tenure from 1 to 5 years

Personal Loan

An urgent need for money can arise in our lives anytime and for any purpose. Personal loans are the quickest and easiest method to obtain required finances for any such occasion. Be it a dream vacation, son's admission to a medical college,daughter's wedding, renovating your house, buying a new laptop, domestic or foreign travel, a medical treatment for self or a relative, a personal loan can solve any financial emergency by personal loan.


Loans for salaried & self-employed individuals
Special loans for doctors, chartered accountants, engineers, architects, company secretaries, and ICWAI graduates
Hassle-free loans - No security/guarantor/collateral required

Business Loan

Business loans are generally provided by banks to potential entrepreneurs who want to start or restructure a business. Banks nowadays have extended their service to small and medium scale enterprises and so it is quite obvious that the market for business loans has expanded drastically over the last few years. We at Raghuvanshi Financial provide our clients with the most authentic information on business loans offered by different banks in India. If you want to take a business loan just visit our website in order to have a clear understand of what business loan is and its different aspects.


Attractive interest rates
Loans available for all
No income proof schemes available
Loans tenure from 1 to 5 years

Vehicle Loan

Whether you need a bigger family car, have your eye on your dream new car or just need a more reliable second hand vehicle to get you from A to B, our fixed rate car loan can get you moving.


A competitive fixed interest rate
Fixed repayments make budgeting easy
Purchase or refinance a new or used vehicle up to five years old
No ongoing monthly fees
100% finance available to approved applicants

Who can apply

The eligibility criteria for business loans differ from one bank to another and so you have to check the criterion individually. We at Raghuvanshi Financial help you get some detailed information on the eligibility criteria asked by different banks.

Anyone above the age of 18 can apply for a business loan. The loan can be taken either on short term basis or on long term basis. Short term loans are generally offered for a maximum period of three years whereas long term loans are offered for a period of 10 to 15 years.

The credit score of the applicant is also checked by the bank before offering a loan. Banks take into account the credit score of the applicant provided by CIBIL in order to ascertain the credibility of the borrower.


Different types of business loans have different interest rates and so it is essential for borrowers to check all the existing interest rates in order to choose the best one for them. We at Raghuvanshi Financial offer detailed information on the interest rates on business loans extend by different banks. While sourcing information from us you can be rest assured that you are going to have the most authentic and reliable information in the market.

Raghuvanshi Financial is one of the most well known online loan information and application portals in India and so our service is always client oriented. If you need a business loan but do not know which one is best for you or where to look for just pay a visit to our website.