L&T Finance (PLANET app) App Reviews, Customer Care Number & Details

L&T Finance personal loans via the PLANET app: ₹50,000 to ₹30 lakh from 10.50% a year

This L&T Finance (PLANET app) app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified L&T Finance (PLANET app) customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

PLANET is the customer app of L&T Finance Limited, the Mumbai NBFC whose parent is Larsen & Toubro, and the personal loans it leads to are lent by L&T Finance itself. The thing to know before you sign is the exit cost: closing the loan early or part-paying it can cost up to 5% plus tax. L&T Finance lists personal loans of ₹50,000 to ₹30 lakh over 12 to 72 months, with rates from 10.50% a year and a processing fee of up to 4% plus tax. PLANET itself is mostly a servicing app, and it hands new applicants to a web journey. We checked those terms against RBI's records, L&T's own disclosures and recent Play reviews, as of November 2026.

Quick Facts

4.7★ · 2.1L

Play Store

₹30L

Max Loan

10.5% to 24% a year

Interest Rate

No firm time. Website: approval within 2 minutes, some customers report disbursal within 15 minutes; PLANET page: disbursal in 7 mins; Play: approval in 5 minutes and same-day disbursal; campaign T&C: timelines may vary

Disbursal

12 months to 72 months

Tenure

Up to 4% + GST

Processing Fee

₹25,000 per month

Min Income

Play Store rating sourced from Google Play, as of 4 Nov 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.5/5

L&T's pages promise approval in 2 to 5 minutes but give no firm payout time, and one recent borrower says money hadn't arrived after 10 days.

Interest & cost 3.5/5

A 10.50% to 24% band is big-lender pricing, but a fee of up to 4% and exit charges of up to 5% raise the real cost.

App experience 3.0/5

PLANET handles statements, NOCs and EMI payments, yet detailed reviews describe login errors and payments that don't show up.

Customer support 3.0/5

A four-level ladder with named officers and toll-free lines, offset by reports of closed tickets and unanswered foreclosure emails.

Safety & transparency 4.0/5

An RBI Upper Layer NBFC that names PLANET as its own app, marked down for the 2023 RBI penalty, a thin data safety label and templated reviews.

Loan Details & Charges

Loan Amount ₹50,000 to ₹30,00,000

Interest Rate 10.5% to 24% a year

Tenure 12 months to 72 months

Processing Fee Up to 4% + GST

Late Payment Penal charge up to 2% per month on the overdue EMI + applicable taxes (example: ₹200 + taxes on a ₹10,000 EMI)

Foreclosure Up to 5% of principal outstanding + taxes; part prepayment up to 5% of the amount prepaid + taxes; no penalty within the 3-day cooling-off from disbursal; cancellation after that up to 5% of principal outstanding + taxes

Bounce Charges ₹500 for a sanction under ₹5 lakh, ₹1,000 for ₹5 lakh to ₹50 lakh (fees page; the personal-loan page says 'up to'), per dishonour or failed mandate

Eligibility Criteria

Age 21-58 years

Min Income ₹25,000 per month

CIBIL Score 700+

Employment Salaried at a registered company (21 to 58 years, ₹25,000+ net monthly income, 1 year in current role) and self-employed (25 to 65 years, 2 years' business vintage, 2 consecutive years of ITR); credit score 700+ for both

Documents ID proof (passport, PAN, driving licence, voter ID or Aadhaar); address proof (utility bill under 2 months old, passport, voter ID or driving licence); income proof (salaried: last 3 months' salary slips, Form 16, salary-credit bank statement or salary certificate; self-employed: latest ITR); last 3 months' bank statement mandatory (the interest-rate page says 6 months)

What It Actually Costs

Loan amount ₹3,00,000

Tenure 36 months

Monthly EMI ₹10,547

Total interest ₹79,696

Processing fee ₹14,160 (4% = ₹12,000 + 18% GST of ₹2,160), deducted from the payout

Total repayment ₹3,79,696

Illustrative at 16% a year, inside L&T Finance's published 10.50% to 24% band, with the maximum 4% fee: you receive about ₹2,85,840 but pay EMIs on the full ₹3,00,000. At the 24% ceiling the EMI would be ₹11,770.

Try the L&T Finance (PLANET app) EMI calculator

Pros

The lender is L&T Finance itself, an RBI-registered NBFC in RBI's Upper Layer list
Large loans of ₹50,000 to ₹30 lakh, repaid over 12 to 72 months
Rate band of 10.50% to 24% a year under a board-approved interest rate model
A 3-day cooling-off period with no prepayment penalty if you change your mind
Four-level complaint ladder with named officers, toll-free lines and a WhatsApp number

Cons

Foreclosure and part payments cost up to 5% plus tax, so repaying early is expensive
A processing fee of up to 4% plus tax is cut from the payout before you get the money
High bar: a credit score of 700 or more and ₹25,000 monthly income for salaried applicants
PLANET mainly services loans; new personal loan applicants are sent to a web journey
Recent reviews report payments not updating, bounce charges and frequent reminder calls

Our Verdict

L&T Finance is about as solid as lenders behind a loan app get. It's in RBI's register as an NBFC, RBI puts it in the Upper Layer of the largest NBFCs, and its own digital lending disclosure names PLANET as its app. A published band of 10.50% to 24% a year belongs with big lenders, not instant-loan apps, and a 3-day cooling-off lets you exit without a prepayment penalty. The costs to watch come later. Foreclosure and part payments can cost up to 5% plus tax, a late EMI costs up to 2% a month, and a bounced EMI costs ₹500 on loans under ₹5 lakh. RBI fined the lending arm ₹2.50 crore in October 2023, partly for charging higher penal and annual rates than it had told borrowers at sanction, without notice. The 4.7 Play rating needs care too: since late October, most new reviews are near-identical one-line praise of the app's menus. The detailed complaints are about payments not showing, bounce charges and repeated reminder calls. It suits salaried borrowers with a score of 700 or more who want a large loan and will hold it to term. Ask for the KFS and read the APR before you accept.

Who L&T Finance (PLANET app) suits

Salaried borrowers aged 21 to 58 with a credit score of 700 or more and ₹25,000 a month take-home

People who need a large sum, up to ₹30 lakh, spread over as long as 72 months

Self-employed applicants with at least 2 years in business and 2 years of ITRs

Borrowers who want a large, branch-backed regulated lender with a clear complaint ladder

Look elsewhere if

You need less than ₹50,000, or your credit score is below 700

You may repay early: up to 5% plus tax on foreclosure or part payment cuts into what you save

You want a dependable app to manage the loan, since payment-update and login complaints are common

Not sure the app is genuine? Is L&T Finance (PLANET app) real or fake? How to check it yourself

Things to Watch

RBI fined L&T Finance Limited, the lending arm since merged into today's company, ₹2.50 crore in October 2023. It had charged penal and annual rates above those told at sanction without notice. It was a penalty, not a business restriction.
The 4.7 Play rating looks propped up: since late October 2026 most new reviews are one-line praise of menus and layout under different names, and early October repeats stock lines such as 'perfect app'.
Play's data safety section says PLANET collects no user data, but L&T's privacy policy lists location, calendar, installed apps and transactional SMS access for the app.
The Play listing advertises 'personal loan without cibil', yet L&T's eligibility page asks for a credit score of 700 or above. Go by the eligibility page and your KFS.
L&T's own pages disagree on the starting rate (10.50% or 11%) and the fee ceiling (3% or 4%), so only the KFS you sign counts.

How to Apply for L&T Finance (PLANET app)

1

Use the official app or site

Install 'L&T Finance : PLANET Loan App' from Google Play (developer L&T Finance) or open the personal loan page on L&T Finance's website. PLANET passes personal loan applicants to that same web journey.
2

Verify your number

Enter your mobile number, confirm it with the OTP and fill in your basic details to check eligibility.
3

Choose amount and tenure, then KYC

Pick the amount and tenure, complete digital KYC and upload income proof if asked, such as salary slips, Form 16 or bank statements.
4

Read the KFS before accepting

Check the APR, the fee taken from the payout, any insurance added and the foreclosure charge. Sanctioned terms are valid for 30 days only.

Documents Required

ID proof: PAN, Aadhaar, passport, driving licence or voter ID

Address proof: a utility bill under 2 months old, passport, voter ID or driving licence

Salaried: last 3 months' salary slips, Form 16 or a salary certificate

Self-employed: latest Income Tax Return

Last 3 months' bank statement (mandatory)

What Real Users Say

PLANET showed 4.7 stars from 2.15L reviews and 1Cr+ downloads, last updated 3 Nov 2026. In the month to 3 November 2026 nearly every review was five-star; since late October most are near-identical one-sentence lines about menus and layout that never mention a loan, and early October repeats lines like 'perfect app' and 'super great app'. Read the detailed one-star reviews, not the average.

PLANET's Play reviews split into two groups: a flood of short or templated five-star posts, and a smaller set of detailed complaints from existing borrowers, mostly about servicing rather than price.

What users love

Believable praise mentions quick approval, easy EMI payment and downloading statements in the app. One long-time customer says they financed 5 to 6 vehicles through L&T Finance.

Common complaints

EMIs paid early but not showing, followed by a second auto-debit attempt or a ₹500 bounce charge; login and 'unable to fetch' errors near EMI dates; around 100 reminder calls before a ₹1,200 due date; foreclosure paid but the loan still open; rejections despite scores of 771 to 780; and one borrower told 10.2% on the phone who found the rate higher.

How L&T Finance (PLANET app) Compares

vs Tata Capital — Also in RBI's Upper Layer list with large personal loans; compare its KFS foreclosure terms with L&T Finance's charge of up to 5%.

vs Bajaj Finserv — Bajaj Finance is another Upper Layer NBFC; worth a quote if a well-rated servicing app matters, given PLANET's payment-update complaints.

vs Aditya Birla Capital — A large regulated NBFC on the same Upper Layer list; check whether its fee and prepayment terms beat L&T's on paper.

vs Poonawalla Fincorp — A big NBFC personal loan for salaried borrowers; compare its entry bar with L&T's 700 score and ₹25,000 income rule.

How we tested

Checked in November 2026. On 4 November 2026 we read L&T Finance's personal loan, interest rate, fees, eligibility, grievance, contact, fraud and privacy pages, its interest rate model, loan terms and DLA and LSP lists. We checked RBI's NBFC register as on 30 September 2026, its 2026-27 Upper Layer list and its 2023 penalty, then PLANET's Play listing, data safety page and a month of reviews. RBI's Digital Lending Apps directory would not load, and we took no loan.

L&T Finance (PLANET app) Customer Support Details

L&T Finance's toll-free line, 1800 268 0000, runs from 9 am to 6 pm every day except national holidays, and customercare@ltfs.com takes written queries. For statements, NOCs and EMI payments, the PLANET app or the WhatsApp number is usually quicker than calling. If a complaint stalls, write to the Grievance Redressal Officer at gro@ltfs.com, then the Principal Nodal Officer, and go to RBI after one month.

L&T Finance (PLANET app) customer care number	1800 268 0000
L&T Finance (PLANET app) WhatsApp number	+91 7378333451
L&T Finance (PLANET app) customer support email ID	customercare@ltfs.com
Registered lending entity	L&T Finance Limited (RBI-registered NBFC), with NewTap Finance Private Limited as a personal loan co-lender
L&T Finance (PLANET app) grievance officer email	gro@ltfs.com

Verified from L&T Finance (PLANET app)'s official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full L&T Finance (PLANET app) customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is the L&T Finance PLANET app safe and RBI registered?

Yes. The lender is L&T Finance Limited, entry 3885 in RBI's NBFC register as on 30 September 2026, and RBI lists it in the 2026-27 Upper Layer of large NBFCs. L&T's own digital lending disclosure names PLANET as its app. RBI did fine the company's former lending arm ₹2.50 crore in October 2023 over rate disclosures, a penalty rather than a ban.

What does an L&T Finance personal loan really cost?

L&T's interest rate model sets 10.50% to 24% a year, and the Play listing shows an APR of 11% to 26%. A processing fee of up to 4% plus tax comes out of the payout. Late EMIs cost up to 2% a month, a bounce costs ₹500 under ₹5 lakh, and foreclosure up to 5% plus tax. Your KFS sets the final figures.

How much can I borrow through PLANET, and for how long?

L&T Finance lists personal loans from ₹50,000 up to ₹30 lakh, repaid over 12 to 72 months. The amount you're offered depends on your income, existing EMIs and credit score. The sanctioned terms stay valid for 30 days, so if you wait longer to accept, the offer may change. Check the sanction letter, not the advert.

Who is eligible for an L&T Finance personal loan, and what documents are needed?

Salaried applicants should be 21 to 58, earn at least ₹25,000 a month net, have a year in their current job and a score of 700 or more. Self-employed applicants need 2 years in business and 2 years of ITRs. Keep PAN or Aadhaar, address proof, salary slips or ITR and your last 3 months' bank statement ready.

What is the L&T Finance customer care number, and how do I complain?

Call toll-free 1800 268 0000 (9 am to 6 pm, every day except national holidays) or email customercare@ltfs.com. If that fails, write to Grievance Redressal Officer Mr. Vinod Varadan at gro@ltfs.com or 1800 1020 476, then Principal Nodal Officer Mr. Amit Dimri at pno@ltfs.com. After one month, complain to RBI on its CMS portal or 14448.

Does the PLANET app give personal loans itself, or only manage them?

Both, in a way. L&T's own list of lending apps describes PLANET as a servicing app that redirects personal loan applicants to its web journey, where L&T Finance approves and lends. Once you have a loan, PLANET lets you pay EMIs, download statements and NOCs, and foreclose. You can also apply directly on L&T Finance's website.

How do I file a complaint against L&T Finance (PLANET app)?

Work the escalation ladder in order. First, raise the complaint with L&T Finance (PLANET app) support (customercare@ltfs.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at gro@ltfs.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from L&T Finance (PLANET app) recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (gro@ltfs.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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65	Pocketly Speel Finance Company Private Limited (NBFC; owns and operates Pocketly)	4.1	₹50,000	24% – 36% p.a. (all-in APR up to ~132% with fees, per third-party listings)	Read Review
66	HDFC Bank Pre-approved Personal Loan (Insta) HDFC Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 24.00% p.a.	Read Review
67	ICICI Bank Personal Loan ICICI Bank Limited (scheduled private sector bank)	4	₹50L	9.99% – 16.50% p.a.	Read Review
68	Axis Bank Instant Loan Axis Bank Limited (scheduled private-sector bank; lends directly)	4	₹50L	9.99% – 22.00% p.a.	Read Review
69	RuleMudra Decimus Financial Limited (formerly K.C.Fincap Limited); press release also names Basel Investments Limited (not confirmed by Basel)	4	₹1L	Up to 365% a year	Read Review
70	MoneyWide MyLoanCare Ventures Private Limited	4	₹3L	16% to 36% a year	Read Review
71	KarmaLife Partner NBFCs incl. Avanti Finance, Niyogin Fintech, Bhawana Capital and Resilient Finance (BharatPe Capital); the lender for each loan is named in the app and KFS	4	₹0	17.95% to 36% a year	Read Review
72	Godrej Priority Money Godrej Finance Limited	4	₹60L	10.99% to 18% a year	Read Review
73	Fi Money Stock Guardians (India) Private Limited (Fi Loans), plus Federal Bank, IDFC FIRST Bank, Aditya Birla Capital, Earlysalary Services (Fibe), Incred Financial Services and the P2P platforms NDX P2P (LiquiLoans) and Innofin (LenDenClub)	4	₹10L	12.75% to 36% a year	Read Review
74	Chola One (Cholamandalam) Cholamandalam Investment and Finance Company Limited (lends directly; owns the app)	4	₹3L	14% to 36% a year	Read Review
75	The Zenith Loan Zenith Machinery Private Limited	4	₹1L	264% to 456% a year	Read Review
76	Snap Paisa Ampire Finance Private Limited	4	₹1L	15% to 35% a year	Read Review
77	SalariedLoan Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
78	Sabka Loan Mahashakti Financiers Limited	4	₹1L	Up to 36% a year	Read Review
79	RupeeGo Salora Capital Limited	4	₹5L	Up to 36% a year	Read Review
80	Paisa Daily Ready Leasings Private Limited	4	₹50,000	365% a year	Read Review
81	PaisaBoxx Sawalsha Leasing & Finance Private Limited	4	₹1L	Not published	Read Review
82	Ola Loan InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services	4	₹10L	Not published	Read Review
83	Money Finserve Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
84	KredTap Salora Capital Limited (the website also names Capital Trade Links Limited)	4	₹1L	12% to 32.5% a year	Read Review
85	Kredito24 North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)	4	₹40,000	0% to 73% a year	Read Review
86	Fundo Baba U.Y. Fincorp Limited	4	₹1L	182.5% to 365% a year	Read Review
87	CashToYou Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited	4	₹40,000	0% to 73% a year	Read Review
88	Apollo Finvest Apollo Finvest (India) Limited	4	₹50,000	Not published	Read Review
89	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
90	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
91	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
92	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
93	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
94	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
95	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
96	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
97	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
98	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
99	True Fund	4	₹0	Not disclosed	Read Review
100	Tap4Credit	4	₹0	Not disclosed	Read Review
101	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
102	PayTrust	4	₹0	Not disclosed	Read Review
103	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
104	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
105	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
106	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
107	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
108	ATD Money ATD Financial Services Private Limited	3.7	₹50,000	36.5% to 182.5% a year	Read Review
109	InstaPe Suryoday Small Finance Bank Limited (RBI-licensed small finance bank) and Mufin Green Finance Limited (RBI-registered NBFC)	3.6	₹0	Up to 30% a year	Read Review
110	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
111	Lendingkart Lendingkart Finance Limited	3.5	₹50L	13.5% to 35% a year	Read Review
112	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
113	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
114	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
115	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
116	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
117	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
118	LoanTap LoanTap Credit Products Private Limited (in-house NBFC), with MAS Financial Services Limited as co-lender; I-Loan Credit Private Limited is also named as a LoanTap lender	3	₹10L	12% to 26% a year	Read Review
119	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review