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A Loan Account Number, or LAN, is the unique alphanumeric code your lender assigns to your specific loan, used to track payments and identify your account. Kotak Mahindra Bank confirms you can find it on your loan documents, statements, or by logging into Net Banking or Mobile Banking.
Every borrower needs to quote a specific number when calling customer care, making an EMI payment, or raising a query, and that number is the loan account number. Whether you took a personal loan, home loan, or car loan, this piece walks through what a LAN is, where it can be found across your documents and apps, and why getting it wrong can cause payment problems.
A Loan Account Number, or LAN, is a distinctive alphanumeric code that financial institutions assign to each loan account, letting both you and the lender track and manage that specific loan.
According to Kotak Mahindra Bank, this number keeps loan administration organised, giving you a single reference point for everything tied to that account. Axis Bank explains it simply too. A unique ID given to a loan you've borrowed, so both you and the bank know how much has been paid and how much is still owed. If you have more than 1 loan sitting with the same lender, each 1 carries its own separate LAN, and mixing them up during repayment can throw your payments off track.
Your Loan Account Number appears near the top of your loan statement, alongside your name, loan type, loan amount, and EMI details.
Here's what to look for specifically:
Since this document arrives early in your loan journey, saving a copy right after your loan gets sanctioned means you'll always have quick access to your LAN without needing to log into anything later.
You check your Loan Account Number through Net Banking by logging into your account, navigating to the loans section, and locating the overview or details page for your specific loan.
Here's the process, based on Kotak Mahindra Bank:
Since Net Banking gives you a live, logged-in view rather than a static document, this route works well if you've misplaced your original loan paperwork and need your LAN quickly.
You check your Loan Account Number through the mobile app by logging in and locating the loans section, where your account details show up together.
Here's how to get there, step by step:
According to Axis Bank, this section shows all your account numbers and related details together, letting you locate your LAN quickly without a physical document on hand.
Your Loan Account Number ensures your EMI payments, queries, and records all get correctly linked to the right loan, preventing confusion, especially if you hold more than 1 loan with the same lender.
Here's what your LAN does:
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Each method suits a different situation, whether you have your documents handy or need quick digital access instead.
Loan Account Number is associated with all your payments, queries, and transactions related to your loan. You can find this number in your statement, sanction letter, Net Banking, or mobile application, and storing it will help you save a lot of time. Verifying your Loan Account Number before every transaction is essential, particularly if you hold multiple loans with the same lender. This simple check alone can prevent payments from being misallocated to the wrong account.
A loan account number is a unique alphanumeric code your lender assigns to your specific loan, used to track payments and identify your account correctly.
You can find your loan account number in the header section of your statement, alongside your name, loan type, loan amount, and EMI details.
Log in to Net Banking, click on the Instalment Loans or Loans tab, select your loan scheme, and then visit the Overview page.
Yes, your Loan Account Number (LAN) is mentioned in your sanction letter along with the interest rate, tenure, and EMI details.
The loan account number ensures your payments and queries get correctly linked to the right loan, especially if you hold multiple loans with the same lender.
Your payment can get mapped to the wrong loan or remain unallocated until the error is manually corrected if you use the wrong loan account number while paying.
Yes, most banking apps show your LAN under the loans or accounts section once you're logged in.
Yes, there will be a LAN for each individual loan, regardless of whether you have more than one loan from the same lending institution.
Yes, giving your LAN will make it easier for the support personnel to find your loan quickly and solve your problem.
An organised record of your statements and sanction letters for your individual loans is the best way to maintain your loan account numbers from various lenders. Storing these documents together, whether in physical or digital form, ensures quick access to your LAN whenever required and gives you a clear, consolidated view of all your active loan accounts.
