FAQs - Rural Finance

As per RBI’s circular, lending institutions were permitted to grant a moratorium for six months on payment of all instalments falling due between March 1, 2020 and August 31, 2020. The interest continued to accrue on the outstanding amount of the term loan availed during this moratorium period.


Post the moratorium period, which is September 1, 2020 onwards, regular instalment cycle of all loans will begin.

The presentation of EMI dues will be done to your registered bank account as per your cycle due date from September 2020 onwards.


Yes, your credit history/score will be negatively impacted if EMI and/or other dues are not cleared post the moratorium period.


If you wish to make the payment, you can do so by clicking on the below payment links –


a.    Log on to LTFS website to pay your loan dues: https://payments.ltfs.com/

b.    UPI platform.

        1. Enter your virtual UPI id as given below product wise:

Product UPI Payment
Two Wheeler LNTTW<full Loan Account Number>@sc
Farm Equipment Finance LNTFL<full Loan Account Number>@sc
Consumer Loan LNTCL<full Loan Account Number>@SC
Micro Loan LNTML<full Loan Account Number>@SC

        2.    Click on verify button and enter the payment amount


        3.    You will receive confirmation on successful payment with transaction number.


c.    Click to pay your Loan due online through Paytm: https://paytm.com/loan-emi-payment


For the benefit of our customers, we have made available the following methods through which a customer may check his account status and/or revised repayment schedule



Yes, cheque bounce charges/overdue charges will be applied on the customer’s account who has defaulted on payments post the moratorium period. Deferred payments will attract penalty as per the loan agreement of the customer.

Yes. If you have availed moratorium, interest has accrued on the outstanding loan amount, for the period when moratorium was taken.

No.If you have not availed moratorium, there will be no additional interest charges on the outstanding loan amount.

The prepayment /foreclosure terms & conditions of your loan remains the same. Customers can pay the total outstanding balance against  their loan and close the loan account. 

Your EMI will remain the same as pre-moratorium period. Additional interest on account of availing moratorium will be recovered as an adjustment to the last EMI of your loan or as additional instalment/s at the end of the loan tenor.

No additional documents are required for disabling the moratorium facility. Post the moratorium period, which is September 1, 2020 onwards, regular instalment cycle of all loans will begin.