L&T Finance Customer Care Number – Toll-Free & WhatsApp Support

When Sneha took a ₹10,00,000 personal loan from L&T Finance, her EMI was set at ₹10,200 per month. After 6 months, she noticed a mismatch in her repayment schedule. Worried, she quickly contacted the L&T Finance Customer Care Number.

Within 3 minutes of calling 1800 268 0000, a friendly agent explained the discrepancy. To cross-check, Sneha sent a "Hi" on WhatsApp to +91 7378333451, where she received her updated statement in just 5 messages.

Later, when Sneha wanted written clarification, she emailed customercare@ltfs.com.  L&T Finance Customer Care Number responded within 24 working hours, attaching detailed loan breakup charts.

Sneha also learned that if any issue remained unresolved after 30 days, the L&T Finance Customer Care Number would guide her to escalate it to the Grievance Redressal Officer or even to the RBI Ombudsman if needed.

Today, after 18 successful EMIs, Sneha trusts the L&T Finance Customer Care Number for transparent, quick, and professional support at every stage of her loan journey.

Detailed L&T Finance Customer Care Number by Service

General Customer Support

1800 268 0000(for customer care , 9am-6pm)

For example, Ravi just got a new loan from L&T Finance and wants to check the status of his EMI schedule. It’s 10:30 a.m., so he decides to call the General Customer Support number at 1800 268 0000. The representative quickly helps him log into his account and explains his repayment dates. This number is perfect for general questions during working hours.

 L&T Finance Credit Card Customer Care

1800 268 0000(for customer care , 9am-6pm)

For example, Priya recently received her L&T Finance credit card, but she’s not sure how to activate it. She dials 1800 268 0000, the same number as general support, and chooses the option for credit card services in the IVR (automated menu). The executive walks her through the activation process and also explains how to check her reward points.

 Personal Loan & Home Loan Customer Care

9004555111

For example, Amit has taken a home loan from L&T Finance and wants to make a part-payment to reduce his EMI burden. Instead of calling the toll-free number, he uses the direct line for loans: 9004555111. The executive not only gives him the exact part-payment amount but also emails him the steps to complete the transaction online. This number is focused on personal and home loan queries only.

 L&T Finance NRI Customer Care

+91 22 6752 5899 (Available from 2:30 a.m. to 2:30 p.m. GMT)

Email-  infodesk@larsentoubro.com 

For example, Neha, who lives in Dubai, is planning to buy property in India and needs a home loan as an NRI. She calls +81 22 6752 5899, the general toll-free number, but chooses the option for NRI services. A special NRI support agent helps her understand the documents she needs and how to submit them from abroad.

 Emergency Services (Lost/Stolen Card, Fraud Report)

1800 268 0000

For example-Siddharth is shopping when he suddenly realises his wallet is missing, along with his L&T credit card. It's past regular hours, but he immediately calls 1800 268 0000, which works 24/7 for emergencies. He selects the “report lost/stolen card” option and gets his card blocked instantly to prevent fraud.

Other Ways to Contact L&T Finance Customer Support

WhatsApp Banking

L&T Finance offers convenient WhatsApp Banking services for customers to get instant support for general inquiries and loan-related matters.
 

Follow the simple steps below to activate and use this service:

How to Activate WhatsApp Banking

1. Save the Official Number:
   Save +91 7378333451 to your phone’s contact list.
   
   
2. Initiate Chat:
   Open WhatsApp, find the saved contact, and send a simple message like “Hi” or “Hello” to start the conversation.
   
   
3. Receive Instant Response:
   You will receive an automatic reply with a list of available services and options related to your loan account and other inquiries.

Email Support: Priority and general queries

Customers can reach out to L&T Finance for both priority support and general queries through their official email channel.

• Email Address: customercare@Ltfs.com 

For faster resolution, it is recommended to send emails from the registered email ID and include the loan account number along with the details of the query or concern.
 

The customer care team prioritises urgent issues while also assisting with regular inquiries efficiently.

Chatbox/Livechat via L&T Finance website/app

For instant assistance, L&T Finance offers Live Chat support through their official website or mobile app. This feature allows customers to connect directly with a representative for quick responses to both priority and general queries.

How to Use Live Chat:

1. Visit the Website or Open the App:
   Go to the official website of L&T or launch the L&T Finance PLANET app.
   
   
2. Initiate the Chat:
   Look for the Live Chat icon (which is located on the right-hand side of the page or in the support section of the app).
   
   
3. Start the Conversation:
   Click on the chat icon, type your query, and a customer service representative will assist you in real-time.
   
   

Live Chat is a convenient way to get immediate support for loan-related inquiries, account details, or general assistance.

Social Media: Twitter, Instagram handles

L&T (Larsen & Toubro) maintains an active social media presence across various platforms to engage with its audience, share updates, and provide insights into its projects and innovations. You can stay connected with L&T through the following official channels:

X (formerly Twitter)

• L&T Twitter Handle: @larsentoubro
   
• Follow L&T on X for real-time updates, industry news, project highlights, and company announcements.

Instagram

• L&T Instagram Handles:
  
  
  • @larsentoubro: The official account showcasing L&T’s projects, innovations, and corporate culture.
  • @larsenandtoubroltd: A dedicated space to explore the latest news, initiatives, and achievements from L&T.
    
    
• L&T Finance Instagram: @lntfinance
   
•  Stay updated with L&T Finance for the latest financial products, services, and customer support.

L&T Finance Grievance Redressal Process

• Level 1: Customer Care

L&T Finance is committed to taking all necessary steps to resolve customer grievances and complaints, including those related to digital loans, within a reasonable timeframe. Customers have several options available to register a grievance or complaint. The company aims to resolve issues at the earliest.

Channels to Register a Grievance

1. Phone Support
 

Customers can contact the dedicated Customer Service Help Desk at 1800 268 0000.
Service is available from 9:00 AM to 6:00 PM on all days except National Holidays.

2. Email Support
 

Grievances can be registered by writing to customercare@ltfs.com. 
 

To ensure prompt assistance, customers are advised to send emails from their registered email ID and mention their loan account number along with the details of the concern.

3. Branch Visits
 

Customers can also visit the nearest L&T Finance branch to raise their concerns in person.
 

Branch locations can be found at www.ltfinance.com/locate-us.

4. Self-Help Portal
 

Grievances can also be raised through the company's Self-Help options. Access the portal by clicking here.

Escalation Process

If the resolution provided through the above channels is not satisfactory, customers can escalate their grievance to:

Grievance Redressal Officer
 

Name: Mr. Vinod Varadan
 

Company: L&T Finance Limited (formerly known as L&T Finance Holdings Limited)
 

Address:
 

7th Floor, "Brindavan Building", Plot No. 177,
 

C.S.T Road, Kalina, Santacruz (East),
 

Mumbai – 400 098

Contact Number: 1800 1020 476
 

(Available Monday to Friday, 9:00 AM to 6:00 PM, except National Holidays)

Email ID: gro@ltfs.com 

• Level 2: Nodal officer details
  
  

• Mr. Amit Dimri
  
  
• Principal Nodal Officer
  
  
• L&T Finance Limited (formerly known as L&T Finance Holdings Limited),
  
  
• 7th Floor, "Brindavan Building", Plot No 177,
  
  
• C.S.T Road, Kalina, Santacruz (East),
  
   
• Mumbai - 400 098
  
  
• Contact Number: 1800 1038 712 between Monday to Friday (except National Holidays) from 9 am to 6 pm
  
  
• Email ID: pno@ltfs.com 
  
   
• If a customer remains unsatisfied with the response received from L&T Finance, or if the complaint or dispute is not resolved within one month, they may escalate the matter to the Reserve Bank of India (RBI) by complaining in the following ways:
  
  

• Online: https://cms.rbi.org.in/
  
  

• Address:
   
• Centralised Receipt and Processing Centre,
  Reserve Bank of India, 4th Floor,
  Sector 17, Chandigarh – 160017
  
  
• Toll-Free Number: 14448

• Level 3: Banking Ombudsman escalation process
  
  

To simplify and strengthen the customer grievance redressal system, the Reserve Bank of India (RBI) introduced the Integrated Ombudsman Scheme, 2021.

This scheme consolidates the following earlier frameworks:

• The Banking Ombudsman Scheme, 2006
  
  
• The Ombudsman Scheme for Non-Banking Financial Companies, 2018
  
  
• The Ombudsman Scheme for Digital Transactions, 2019

The Integrated Ombudsman Scheme aims to provide a single, simpler, and more responsive dispute resolution mechanism for customers.

Grounds for Filing a Complaint with the Banking Ombudsman

A customer can file a complaint with the Ombudsman under the following conditions:

• L&T Finance Limited (LTF) has wholly or partly rejected the complaint.
  
  
• The response received is unsatisfactory.
  
  
• No response is received within 30 days from the date of filing the complaint with LTF.

Important: The complaint must be filed within one year from the date of occurrence of the issue or the date of final response received from LTF.

How and Where to File a Complaint

• Complaints can be lodged online through the RBI’s portal: https://cms.rbi.org.in/
  
  
• Complaints can also be submitted in electronic form or physical form (postal mail or hand-delivery).
  
  
• All physical complaints must be addressed to the Centralised Receipt and Processing Centre of the RBI.

Process After Filing a Complaint

• If the Ombudsman issues an award (decision) in favour of the customer, the customer must submit a letter of acceptance to L&T Finance Limited within 30 days from the date of receipt of the award.
  
  
• Upon receiving the acceptance letter, L&T Finance is required to comply with the award within 30 days.

Right to Appeal

If the customer is not satisfied with the Ombudsman’s decision (either the award or rejection of the complaint), they have the right to appeal within 30 days to the Appellate Authority, which is the Executive Director of RBI in charge of administering the scheme.

Note:-
 

• The Ombudsman or Deputy Ombudsman may reject complaints that are not maintainable under the scheme.
  
  
• This is an Alternative Dispute Resolution Mechanism.
  
  
• Customers are free to approach any court, forum, or authority at any stage. However, if a customer chooses to approach another forum, they cannot simultaneously pursue the matter through the RBI Ombudsman.
  
  
• For further details, customers can refer to www.rbi.org.in.
  
  
• A copy of the Integrated Ombudsman Scheme is also available at all branches or meeting centres of L&T Finance Limited.

Quick flow of escalation

• Response timelines as per RBI guidelines

FAQ’s

1. How can I contact L&T Finance Customer Care?

You can reach L&T Finance Customer Care via phone at 1800 268 0000, email at customercare@ltfs.com, WhatsApp at +91 7378333451, or use the Live Chat feature on their website or app for assistance.

2. How can I register a complaint or grievance?

Register your grievance via phone, email at customercare@ltfs.com, or visit an L&T Finance branch. For unresolved issues, escalate to the Grievance Redressal Officer at gro@ltfs.com. 

3. What if I’m not satisfied with the resolution?

If unsatisfied, escalate to the Grievance Redressal Officer at gro@ltfs.com.  For further escalation, approach the Reserve Bank of India via their Integrated Ombudsman Scheme at https://cms.rbi.org.in/.

4. Can I get loan details or support via WhatsApp?

Yes! Simply send “Hi” or “Hello” to +91 7378333451 on WhatsApp for quick assistance with loan details, EMI schedules, and general inquiries.

5. What should I do if I have a microfinance loan complaint?

For microfinance loan complaints, escalate to MFIN at +91-124-4576800 or call their Toll-Free Helpline at 1800 102 1080 for assistance.

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