Last verified: 5 October 2026 against RBI’s NBFC register and RBI’s list of Digital Lending Apps.
Short answer: Yes. L&T Finance Limited is an NBFC registered with the Reserve Bank of India. As of 5 October 2026, it had reported 25 digital lending apps to RBI, working with 19 lending service providers.
L&T Finance Limited at a glance
| Detail | What the official sources say |
|---|---|
| RBI registration | Registered NBFC (on RBI’s list as on 30 Jun 2026) |
| Corporate Identification Number (CIN) | L67120MH2008PLC181833 |
| Regulatory tier | Upper layer (the largest NBFCs, most closely regulated) |
| RBI regional office | Mumbai |
| Former name | L & T Finance Holdings Limited |
| Lending apps reported to RBI | 25 |
| Lending service providers | 19 |
| Website | https://www.ltfinance.com/ |
Loan apps L&T Finance Limited lends through
Apps on RBI’s list:
- Google Pay
- Phonepe
- Airtel App
- Amazon
- MobiKwik
- Cred
- INDmoney
- L&T Finance PLANET (Servicing app and redirection to Persona
- Moneycontrol-Share Market News
- Paisa Bazaar
- IndiaLends
- CreditFit
- MyMoneyMantra
- Bajajfinservmarkets
- Billcut
- Financebuddha
- IndiaLends – Instant Loan App
- L&T Finance – Personal Loans
- Moneycontrol – Markets & News
- Moneycontrolpay
- MyMoneyMantra: Loans & Cards
- Paisabazaar.com
- Super Money
- Upswing
- Urban Money Partner
Why this matters: if you borrowed through any of these apps, your loan agreement, Key Fact Statement and CIBIL report may show L&T Finance Limited as the lender, not the app’s name.
Saw L&T Finance Limited on your CIBIL report?
- Check which app loans you have taken, and their KFS.
- Match the loan amount and date with your app history, SMS or email.
- Can’t match it? Raise a dispute with the credit bureau and write to the lender’s grievance officer.
Repaying more than one app loan? See if one loan could clear them – one lender, one EMI.
Complaints
- First step: write to the lender’s grievance redressal officer (details on its website: https://www.ltfinance.com/).
- Not resolved in 30 days, or rejected? Escalate to the RBI Integrated Ombudsman at cms.rbi.org.in.
- Harassment or fraud: report at cybercrime.gov.in or call 1930.
Frequently asked questions
Is L&T Finance Limited RBI registered?
Yes. It appears on RBI’s list of registered NBFCs with CIN L67120MH2008PLC181833.
Is L&T Finance Limited a bank?
No. It is a non-banking financial company (NBFC). NBFCs can lend, but are regulated differently from banks.
Why is L&T Finance Limited on my credit report when I used a loan app?
Apps are front ends. The regulated lender behind your loan reports it to credit bureaus under its own name.
Change log
| Date | Change |
|---|---|
| 5 Oct 2026 | Page created. 25 lending apps on RBI’s DLA list. |
Disclosure
FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. FundsTiger is not affiliated with the lender on this page unless stated. This page is for information only and is not financial advice.