A Loan Account Number (LAN) is the unique number assigned to your loan by the lender. It helps identify your loan, track EMI payments, check outstanding balance, download statements, raise service requests and close loan-related queries faster. You can usually find your LAN on your loan statement, lender’s app or website, sanction letter, EMI debit messages, customer support channels or by visiting the branch.
Think of your LAN as the ‘ID card’ of your loan. Just like your bank account number identifies your savings/current account, your loan account number identifies a specific loan account.
What is a Loan Account Number (LAN)?
LAN is a unique numeric or alphanumeric code given by a lender after your loan is approved or disbursed. It is mapped to one specific loan account and helps both the borrower and lender track the loan throughout its lifecycle.
For example, if you have a personal loan and a two-wheeler loan from the same lender, each loan will usually have a separate LAN. Bajaj Finance also notes that each new loan account, even with the same financial institution, has a unique LAN.
Your LAN helps lenders access important details such as:
- Loan amount
- EMI due date
- Outstanding balance
- Repayment history
- Interest charged
- Foreclosure or closure status
- Statement and NOC details
In simple words, your LAN keeps all your loan-related information organised in one place.
How Many Digits is a Loan Account Number?
A loan account number is commonly 14 or 15 digits, but the exact format may vary from lender to lender. Some lenders may use a numeric format, while others may use an alphanumeric format. Godrej Capital, for example, mentions that a LAN may be numeric or alphanumeric and can be 11 to 17 characters depending on the lender’s system.
| Point | Details |
|---|---|
| Common format | 14 or 15 digits |
| Possible variation | 11 to 17 characters, depending on lender |
| Type | Numeric or alphanumeric |
| Assigned by | Bank, NBFC or financial institution |
| Unique for | Each individual loan account |
So, if your LAN is not exactly 14 or 15 digits, do not panic. Always verify it from your lender’s official app, website, statement or customer support.
How to Check Your Loan Account Number Online and Offline
You can check your loan account number through both digital and offline methods. Most lenders display it in your loan statement, mobile app, net banking portal or customer portal. Axis Bank also lists net banking and mobile banking as common ways to view loan account details online.
1. Check Your Loan Statement
Your loan statement is one of the easiest places to find your LAN. It usually appears near the top of the document along with your name, loan type, loan amount and EMI details.
You may receive your statement:
- On email
- Through the lender’s app
- Through net banking
- As a physical statement
- As a downloadable PDF from the customer portal
Example:
If you download your personal loan statement, look for labels such as Loan Account Number, Account No., LAN or Loan No.
Godrej Capital also notes that the LAN is usually displayed in the header section of a bank statement or e-statement.
2. Log in to the Lender’s Website or App
Another quick way to check your loan account number online is through your lender’s official website or mobile app.
Steps to follow:
- Visit your lender’s official website or open the app.
- Log in using your registered mobile number, email ID, customer ID or OTP.
- Go to the Loans, My Loans, Accounts or Your Relations section.
- Select the active loan.
- Check the loan summary page for your LAN.
Many lenders display your loan account number along with EMI due date, outstanding balance and repayment schedule. Bajaj Finance, for instance, states that borrowers can log in to the customer portal and view loan account details in the relevant loan section.
3. Check Your Sanction Letter or Loan Agreement
Your sanction letter or loan agreement may also mention your loan account number. These documents are issued when your loan is approved or disbursed.
Check these sections:
- Loan summary
- Borrower details
- Repayment schedule
- Account details
- Disbursement details
This method is useful if your loan is old, closed or not visible clearly in the app.
4. Review SMS and Email Alerts
Lenders often send SMS or email alerts after loan approval, EMI debit, EMI payment, bounce notification or statement generation. These alerts may include your LAN or a partially masked version of it.
Search your inbox using terms such as:
- ‘Loan account number’
- ‘LAN’
- ‘EMI’
- ‘Loan statement’
- Your lender’s name
Airtel’s guide also mentions SMS notifications as one of the ways borrowers may find loan details after disbursal.
5. Check Your Credit Report
Your credit report may show details of your active and closed loan accounts, including lender name, loan type, sanction amount, outstanding amount, repayment history and account status. In some cases, the loan account number may be visible fully or partially masked, depending on the bureau and lender reporting format.
Use this method when you want to identify which lender has reported a particular loan. However, for making payments or raising service requests, it is safer to confirm the LAN directly from your lender.
6. Contact Customer Service
You can contact your lender’s customer care team to retrieve your loan account number. You may need to verify details such as:
- Registered mobile number
- Date of birth
- Email ID
- Loan type
- Last EMI amount
Godrej Capital notes that customer support can help retrieve the LAN after identity verification.
Important: Do not share OTPs, passwords, PINs or full card details with anyone claiming to help you find your LAN.
7. Visit the Nearest Branch
If you are unable to access your LAN online, visit your lender’s nearest branch with valid identity proof.
Carry documents such as:
- PAN card
- Aadhaar card
- Loan sanction letter, if available
- Registered mobile number
- Any EMI receipt or loan statement
After verification, the branch representative can help you retrieve your LAN.
Online vs Offline Ways to Find Your LAN
| Method | Online/Offline | Best For |
|---|---|---|
| Loan statement | Online/Offline | Quick verification |
| Lender app | Online | Instant access |
| Website/customer portal | Online | Checking full loan details |
| Sanction letter | Offline/Online PDF | Old or closed loans |
| SMS/email alerts | Online | EMI or disbursal references |
| Credit report | Online | Finding reported loan details |
| Customer service | Online/Phone | When documents are unavailable |
| Branch visit | Offline | When digital access is not available |
Why is Your Loan Account Number Important?
Your loan account number is important because it helps ensure that every loan-related action is mapped to the correct account. This is especially useful if you have multiple loans with the same lender.
1. Making EMI Payments
When you pay an EMI manually through net banking, UPI, cheque or another payment mode, your LAN helps the lender credit the amount to the correct loan account. Godrej Capital notes that the LAN helps ensure EMI payments are credited to the right account and prevents payment misapplication.
Example:
Suppose you have two active loans with the same lender. If you make a part-payment but enter the wrong LAN, the payment may get mapped to the wrong loan or remain unallocated until corrected.
2. Tracking and Managing Your Loan
Your LAN helps you check:
- EMI due date
- Number of EMIs paid
- Outstanding principal
- Interest amount
- Repayment schedule
- Part-payment status
- Loan closure status
Axis Bank also highlights that the LAN helps borrowers and lenders track how much has been paid and how much is still owed.
3. Faster Customer Support
Whenever you raise a query with your lender, sharing your LAN helps the support team locate your loan faster. This is useful for queries related to missed EMIs, extra payments, NOC requests, foreclosure letters, repayment schedules or statement downloads.
Godrej Capital also explains that quoting the loan account number can speed up customer support because the team can pull up the account without searching through multiple records.
4. Updating Personal Information
Your LAN may be required when you want to update:
- Mobile number
- Email ID
- Residential address
- Employment details
- Bank account for auto-debit
- EMI mandate details
This ensures the update is applied to the correct loan account.
5. Downloading Statements, NOC and Certificates
Your LAN may be needed to download or request:
- Loan statement
- Repayment schedule
- Interest certificate
- Foreclosure letter
- No Objection Certificate
- Loan closure confirmation
For home loans, business loans or loans against property, the LAN is often referenced across important documents and correspondence.
Loan Account Number vs Bank Account Number
A loan account number and bank account number are not the same.
| Basis | Loan Account Number | Bank Account Number |
|---|---|---|
| Meaning | Unique ID for a loan | Unique ID for a savings/current account |
| Issued for | Personal loan, home loan, business loan, etc. | Bank deposit account |
| Used for | EMI tracking, loan servicing, statements | Deposits, withdrawals, transfers |
| Assigned by | Lender | Bank |
| Changes with each loan? | Yes, each loan can have a separate LAN | No, bank account remains the same unless closed |
| Example use | Paying EMI or downloading loan statement | Receiving salary or making UPI payments |
Loan Account Number vs Loan Reference Number
Borrowers often confuse LAN with a loan reference number, but both serve different purposes.
| Basis | Loan Account Number | Loan Reference Number |
|---|---|---|
| Purpose | Identifies an approved/disbursed loan | Tracks an application, request or transaction |
| Stage | Usually generated after loan approval/disbursal | Often generated during application or service request |
| Validity | Remains linked to the loan account | May be temporary or transaction-specific |
| Used for | EMI payments, statements, repayment tracking | Application tracking or query follow-up |
| Example | LAN for your personal loan | Application ID or service request number |
Simple way to remember:
Your loan account number is for managing the loan. Your loan reference number is often for tracking a loan application or a specific request.
Safety Tips While Using Your Loan Account Number
Your LAN is not as sensitive as an OTP or password, but you should still handle it carefully. Godrej Capital advises borrowers not to share LAN details publicly and to access loan details only through official websites and verified apps.
Follow these tips:
- Do not post your LAN on social media or public complaint forums.
- Do not share OTPs, passwords or PINs with anyone.
- Use only the lender’s official app, website or verified customer care number.
- Save loan documents in a secure folder.
- Cross-check the LAN before making EMI or part-payments.
- Be cautious of callers offering ‘pre-approved loans’ in exchange for personal details.
How to Check Your Fibe Loan Account Number?
You can check your Fibe loan account number through Fibe’s official digital channels.
Steps to check your Fibe LAN:
- Open the Fibe app or visit the official Fibe website.
- Log in using your registered mobile number.
- Go to your active loan section.
- Open your loan details or repayment section.
- Check your loan summary, statement or repayment schedule for the LAN.
- If you cannot find it, contact Fibe customer support through official channels.
Your Fibe LAN may be needed when you want to check EMI details, download statements, raise repayment queries or track your active personal loan.
The Bottom Line
Your loan account number is a small detail, but it plays a big role in managing your loan smoothly. It helps you pay EMIs correctly, track repayment progress, download statements, update personal details and resolve queries faster.
Now that you know how to check your loan account number online and offline, keep it accessible but secure. And if you are planning to borrow, choose a lender that offers a simple digital experience and transparent loan management.
With Fibe, you can apply for an Instant Personal Loan of up to ₹10 lakhs online in just a few minutes. Download the Fibe Personal Loan App or sign up on the website to check your eligibility.
FAQs on Loan Account Number
1. What is a loan account number?
A loan account number or LAN is a unique identifier assigned by a lender to a specific loan account. It helps track EMI payments, outstanding balance, repayment history, loan statements and service requests.
2. Is a loan account number and bank account number the same?
No, a loan account number and a bank account number are not the same. A bank account number identifies your savings or current account, while a loan account number identifies a specific loan taken from a bank, NBFC or financial institution.
3. What can I do with my loan account number?
You can use your LAN to check loan status, make EMI payments, download loan statements, raise service requests, update personal information, request foreclosure details and obtain your NOC after loan closure.
4. Can I find my loan account number on my credit report?
Yes, your credit report may show your loan account details. However, the LAN may be fully visible, partially masked or displayed differently depending on the credit bureau and lender reporting format. For payments or official requests, always confirm the LAN from your lender’s app, website, statement or customer support.
5. What is the difference between a loan account number and a loan reference number?
A loan account number is a permanent identifier for a specific approved or disbursed loan. A loan reference number is usually used to track a loan application, transaction or service request. In simple terms, LAN helps manage the loan, while a reference number helps track a process.
6. How do I check my Fibe loan account number?
Log in to the Fibe app or official website using your registered mobile number. Go to your active loan section and check the loan summary, statement or repayment schedule. If you cannot find it, contact Fibe customer support through official channels.
7. How many digits does a loan account number have?
A loan account number is commonly 14 or 15 digits, but the format can vary by lender. Some lenders may use numeric or alphanumeric formats with different character lengths.
8. Can I have more than one loan account number?
Yes. If you have multiple loans, each loan usually has a separate LAN. For example, your personal loan and two-wheeler loan from the same lender may have different loan account numbers.
9. Is it safe to share my loan account number?
You may need to share your LAN with your lender for official loan-related requests. However, avoid sharing it publicly or with unknown callers. Never share OTPs, passwords, PINs or sensitive banking details along with your LAN.