L&T Finance is one of the leading NBFCs offering a range of loans across Rural | Housing | Two-Wheeler | Personal & SME The company is promoted by Larsen and Toubro Ltd. (L&T), one of the largest conglomerates in India. LTFS is publicly listed in both the exchanges of India - BSE & NSE and is also registered with RBI as an NBFC and CIC. Headquartered in Mumbai, the company has been rated AAA - the highest credit rating for NBFCs - by four leading rating agencies.