Fullerton India Credit Co. Ltd. is Now SMFG India Credit Co. Ltd.

Where can I see the LAN of my Loan from SMFG India Credit?

Published on Aug 25, 2020Updated on Dec 29, 2023

Where can I see the LAN of my Loan from SMFG India Credit?

LAN or Loan Account Number is a 14 or 15-digit unique identifier which is assigned to a borrower’s loan account by the lender when they disburse a loan. The loan statement displays the LAN. In case a single borrower has multiple loans from the same provider, each loan account has its unique LAN.

Therefore, you will have different unique LANs if you have a home loan and a personal loan issued from the same lending institution. LAN enables the lender to keep track of your loans for regular updation.

What is a Loan Account Number?

A loan account number, or LAN, is a special code allocated by a financial institution to a specific loan account. Acting as a unique identifier, this number helps separate an individual borrower's account from all others within the institution's system.

With a combination of letters and numbers, this code simplifies loan administration by accurately monitoring payments, balances, and account specifics. This code is primarily used when communicating with the lender, making payments, or accessing account-specific details. The LAN is crucial in effectively organizing and managing loan transactions, ensuring clarity and productivity in maintaining records, and facilitating smooth communication between the borrower and the lending institution.

What is the Purpose of a Loan Account Number?

It can become challenging to keep track of your loan account in addition to managing daily tasks. In such cases, a LAN is a useful tool to maintain an account of the status of your loan along with the due EMIs to be paid.

This tool enables borrowers to easily monitor their loan progress, ensure timely payments, and access account information. It also allows lenders to accurately track individual loan accounts, making record-keeping more precise. Furthermore, this number is essential for resolving concerns and updating personal details related to the loan. By facilitating communication, it helps improve efficient loan management for both borrowers and lenders.

Why Do You Need a Loan Account Number?

Regardless of your purpose for reaching out to us, our team will require your unique LAN to communicate effectively. Having a loan account number serves a variety of purposes for the borrower. Some of them are listed as follows:

  • It is essential to keep your Loan Account Number (LAN) at your fingertips for efficient management of your loan, both online and offline. This number is necessary for a variety of tasks, such as checking loan status, making EMI payments, and updating information.
  • This number helps ensure seamless EMI payments, prompt assistance with any concerns, and make necessary updates to your personal information for a hassle-free loan process and closure.
  • It helps get the EMI credited to the appropriate loan account.
  • It acts as an identification number in the event of raising concerns or complaints regarding your loan account.
  • Your LAN should be provided mandatorily for making changes to your contact information, address, employment details, etc. to avoid potential problems in the future.

How to know my LAN or Loan Account Number?

Here are the ways in which you can find out your LAN:

  • Loan Statement – The LAN number is mentioned on top of the monthly loan statement that is issued to every customer upon request. Please note that you can request your monthly loan statement through our “Contact Us” section or via the customer login portal. After the receipt of your request for loan statement, you will be sent the same on your registered email ID or postal address.
  • Customer Login Portal – Login into the Customer Login section on our website using your customer ID or username and password. Your LAN will be clearly displayed on the dashboard.
  • SMFG India Credit mConnect App – Log in to the mConnect app. Your Loan Account Number will be displayed on the home screen.
Must Read:  How to Pay your SMFG India Credit EMI Online?

Why does my LAN have 15 Digits?

Our rural customers are issued 14 digit loan account numbers, whereas our remaining customers are issued 15 digit loan account numbers.

How to know my SMFG India Credit LAN without Loan Statement?

In case you are not able to access your loan statement, then one or more of the following may be applicable to you. Please read through these to understand how to retrieve your LAN in any of these situations.

  1. No Access to Monthly Loan Statements – This could be because you may have changed your email ID or postal address from the one which has been registered with us. In such a case, please download the m-connect app or log in to the Customer Login section to retrieve your LAN.
  2. If you are unable to login to the customer service portal or the m-connect app, please write an email* to with the following details
    • Full Name
    • Registered Mobile Number
    • PAN / Aadhaar (ID proof provided during loan application)
    • Loan Amount
    • Request/ Query
  3. Alternately, you can also call customer care at 1800 103 6001* from your registered mobile number (between 9:00 AM – 7:00 PM on all days except Sundays, 4th Saturday of every month and public holidays).
  4. In case you require a quick revert, then please feel free to visit us at your nearest SMFG India Credit branch. Please carry with you a valid ID proof (preferably the one you had provided when you had applied for the loan at SMFG India Credit)


For borrowers, the LAN is a valuable tool for monitoring their loan progress, making timely payments, and accessing vital information. Lenders benefit from the precision it brings to record-keeping and resolving concerns efficiently. As you navigate the intricacies of loan management, consider the streamlined process offered by SMFG India Credit for personal loans. Take the next step in securing your financial goals by applying for a personal loan with SMFG India Credit today.

* Please note that this article is for your knowledge only. Loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG India Credit's policy at the time of loan application. If you wish to know more about our products and services, please contact us


How do I get my loan account number?

It is possible to get your loan number by checking the lending institution’s online portal, your loan statement or by contacting customer service.

Is the loan account number the same as the account number?

Your bank account and the loan account number are two different entities. The loan account number is associated with your specific loan, whereas a bank account number is associated with your savings account.

How many digits is a loan account number?

A LAN is typically made up of 14 to 15 digits.

What happens to my LAN when I have repaid my loan?

Once your loan is fully paid off, your lender will retain your Loan Account Number (LAN) for administrative, auditing, and regulatory purposes. Your LAN serves as a record of the closure of your loan account. Keep your LAN for future reference, as it could prove beneficial in cases where you need to provide evidence of your repayment record or address any inquiries regarding your past loan.

Can I set up notifications for upcoming loan payments?

Yes, activating notifications for upcoming loan payments is possible by logging into your lender's online portal, using automated payment reminders, or contacting customer service. Additionally, you can request an auto-debit facility to avoid any defaults.

What will happen if I forget my LAN?

Firstly, it is important to keep calm. You can check your loan documents or reach out to your lender's customer service team and go through a verification process to retrieve your number. Additionally, your online account, loan statements, or recent approval paperwork may contain your LAN. Remember to be cautious with your personal information and make sure you're contacting your legitimate lender for any LAN inquiries.

Can I get a Personal loan through my LAN?

You will have to avail of a personal loan with a new application process.

Is my personal information secure when accessing loan details online?

Lending institutions value your confidentiality and ensure that all your information is secure when accessing loan details online through the website or app.

Should I be worried if my LAN gets stolen?

If someone steals your Loan Account Number (LAN), it's a cause for concern as it's the only identifier for your loan. While the LAN does not allow direct access to your funds, it's important to be cautious. Do not share highly sensitive information; fraudsters could use it with your LAN to make unauthorized transactions or engage in deceitful behaviour.

Are there any fees associated with accessing my loan information online as SMFG India Credit?

No. You can request any information regarding your loan online without worrying about paying any extra charges.

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