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L&T Finance PLANET vs Olyv
Side-by-side comparison of L&T Finance PLANET and Olyv on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| L&T Finance PLANET | Olyv | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | L&T Finance Holdings | Smartcoin Financials Pvt Ltd + Upmove Capital Pvt Ltd (own NBFCs) |
| Category | personal | instant |
| APR range | 28–Upto 28% | 80–Upto 80% |
| Processing fee | Upto 2.5% | Upto 5% |
| Tenure | 12–61 mo | 1–3 mo |
| Ticket size | ₹50,000–₹1,500,000 | ₹1,000–₹50,000 |
| Our rating | 4.3/5 | 4.4/5 |
| Verdict | Recommended | Caution |
L&T Finance PLANET
Good
- Upper Layer NBFC under SBR
- L&T parentage
- 100% digital onboarding
- No collateral
Watch out
- PF up to 2.5% + GST
- Late charges 24% p.a. on overdue
Last reviewed: 2026-06-06
Olyv
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16