What is a Loan Account Number (LAN)? How to Check It Online 

Every loan you take comes with its own personal loan account number (LAN), a unique code your lender assigns to that loan on the day it is disbursed. This number ties your EMI payments, complaints, etc., so whenever you call customer support or check your loan status online, this is the first detail you will need to share. 

What is a Loan Account Number (LAN)? 

A loan account number is a unique identifier assigned by a bank or NBFC to each loan. It helps the lender identify and manage the loan throughout its tenure, including EMI tracking, customer service, loan statements and grievance resolution. Each loan receives its own account number, so even if a borrower has multiple loans with the same lender, every personal loan is recorded separately.  

While the format and length of the loan account number vary across lenders, it generally remains linked to that loan for its lifecycle. RBI’s credit reporting framework also requires every loan to be associated with a unique account reference for reporting to credit information companies.  

Why is Your LAN Important? 

Your LAN is not just an internal reference number for the lender; it is a detail you will use repeatedly throughout the life of your loan. It helps in: 

• Tracking your equated monthly instalment (EMI) payments, amortization schedule and outstanding balance against the correct loan.  

• Raising complaints or queries with your lender without confusion over which loan you mean. 

• Updating contact details, address or employment information linked to a specific loan. Your LAN is also useful when requesting services such as loan restructuring or discussing changes to your repayment terms with the lender.  

• Serving as your reference point for all written or verbal communication with the lender. 

How to check your loan account number online 

Here is how to find your loan account number information: 

1. Through the FatakPay app or web login 

Log in to your account using your registered mobile number and your active loan details, including the LAN, which are usually visible on your loan summary or dashboard screen. 

2. Through your loan statement 

Your LAN is printed on every monthly loan statement, typically near the top of the document alongside your name and loan details. If you have saved even one statement, you already have it. 

3. Through customer support 

If you cannot access the app or a statement, call or chat with customer support using your registered mobile number. Once your identity is verified, the support team can share your loan account number with you directly. 

LAN format: What do the digits mean? 

Most lenders assign a loan account number that is 14 to 15 digits long. While the exact format varies by lender, the number is generated when your loan is disbursed and remains unique to that loan. 

The digits may represent internal details such as the lender’s branch, loan category, customer segment, or system-generated sequence. However, there is no industry-wide format that all lenders follow. 

The important thing to remember is that your loan account number is unique to one loan. Even if you take another loan from the same lender, you will receive a different LAN. That is why it is always used as the primary reference for loan servicing, repayments and customer support. 

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Conclusion 

Your loan account number is the one detail that keeps every interaction about your loan organised, from EMI tracking to raising a complaint. It is worth noting down as soon as your loan is disbursed rather than digging for it later. If you ever need to check yours quickly, logging into the FatakPay app gives you instant access to your LAN, EMI schedule and repayment status in one place. Before you take on a new loan, running the numbers through FatakPay’s Personal Loan EMI Calculator can also help you plan repayments with your existing loan accounts in mind. 

FAQs 

How many digits does a loan account number have? 

A LAN is typically 14 to 15 digits long, depending on the lender and loan category. The length itself does not affect how the loan works; it simply identifies your account uniquely. 

Can I get a new personal loan using just my LAN? 

No. Your LAN identifies an existing loan; it does not act as an application reference for a new one. A fresh loan application requires its own eligibility check, documentation and approval process. 

What should I do if I forget my LAN? 

Check your most recent loan statement first, since the LAN is printed on every one. If you do not have a statement handy, log in to your lender’s app or contact customer support with your registered mobile number. 

Do I need my LAN to make an EMI payment? 

Not always, since many EMI payments are processed automatically through your registered National Automated Clearing House (NACH) mandate. However, having your LAN ready is useful if you are making a manual payment or querying a specific instalment. 

Where can I find my LAN if I do not have app access? 

Your monthly loan statement is the most reliable offline source. If that is not available either, customer support can retrieve it once they verify your registered mobile number. 

Is my LAN the same across all my loans with one lender? 

No. Each loan you take, even with the same lender, is assigned its own separate loan account number. This keeps repayment history and communication specific to that particular loan.