FAQs


The objective of the FAQs is to provide information about the queries and concerns related to Two Wheeler and Personal loan.


Where can I get details about Two-wheeler Finance?

To know more about Two-wheeler Finance please click on the below link-

Two-wheeler Finance

How can I locate the nearest LTFS branch and address?

To locate the nearest LTFS branch please click on the below link-

Contact Us

Enter your location and select the business for which you want to find the branch address and the list of branches with addresses will be displayed.

How can I login on the customer service page?

Please enter the Loan Account Number (LAN) on the customer service page to login. An OTP will be shared with you on your registered mobile number. Enter the OTP and complete the action that you have selected.

How can I check my loan details?

1. You can check loan details by sending below mentioned message code to 9212025555 from your registered mobile no.

a. ‘INST’ to know no. of instalments paid and no. of future instalments

b. ‘OSB’ for outstanding balance of your loan

c. ‘SANC’ for loan sanctioned amount and tenure

d. ‘BRN’ space ‘first 3 letters of your city’ to know LTFS branch addresses in your city

e. ‘EMI’ to know your next EMI amount and due date

f. ‘POS’ to know principle outstanding

g. ‘LAN’ to know your loan account no. linked with your registered mobile no.

 

2. You can also check your loan account no. by clicking-

        Customer support > Customer Self Help > Loan Details >Login (through registered mobile number, enter OTP)

 

3. You can also contact helpline no. 7264888777 or write to us at customercare@ltfs.com with your registered email id.

How can I check my loan status?

You can check your loan status by clicking-

Customer support > Customer Self Help >Loan Details>Login (through Loan account number or registered mobile number, enter OTP) > View status

How can I get my welcome letter?

For availing your welcome letter, please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with your loan details.

How can I view my loan related information such as ROI, tenure, instalments, mandate status, EMI amount, overdue charges, outstanding amount, bounce count?

To check your loan details, please click on

Customer support > Customer Self Help > Loan Details>Login (through Loan account number or registered mobile number, enter OTP) > View loan related information

Where can I check my payment history for my loan.

To check the payment history, please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with your loan details.

Customer support >Customer Self Help > Loan Details> Login (through Loan account number or registered mobile number, enter OTP) > View last five transactions.

How can I get my Statement of account (SOA)?

You can download the statement account by clicking on

Customer support >Customer Self Help >Statement of Account >Login (through Loan account number or registered mobile number, enter OTP) > Download > Open the document with DDMMYYYY passcode as per your loan agreement.

If you have forgotten your DDMMYYYY details as updated in the system, please click on

Customer support >Customer Self Help >Personal Information >Login (through Loan account number or registered mobile number, enter OTP) > View information

How can I get my repayment schedule?

You can download the statement account by clicking on

Customer support > Customer Self Help > Repayment schedule > Login (through Loan account number or registered mobile number, enter OTP) > Download>Open the document with DDMMYY passcode.

If you have forgotten your DDMMYYYY details as updated in the system, please click on

Customer support > Customer Self Help >Personal Information >Login (through Loan account number or registered mobile number, enter OTP) >View information

How can I get my foreclosure statement?

For availing your foreclosure statement, please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with your loan details.

What happens after I have paid the last instalment?

On payment of all the instalments against your two-wheeler finance –

1. L&T Finance will issue a No Objection Certificate (NOC) and a Form 35 to cancel hypothecation of the vehicle.

2. The Regional Transport Office requires an NOC and Form 35 duly signed by the lender for updating the registration book.

3. Your insurance company will also require an NOC from us to make the necessary changes in the policy document.

How can I view my personal information related to my loan account? (Name, address, DOB, contact details)

To view your personal information, please click

 

Customer support > Customer Self Help >Personal Information > Login (through Loan account number or registered mobile number, enter OTP) > View information.

How can I update my name/DOB/ Address?

For updating your Name/ DOB/ Address please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with KYC details and ID proof.

 

You can also visit the nearest branch with documents (KYC document and ID proof) for updating the same.

How can I update my e-mail id?

For updating your email id contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with KYC details and ID proof.

You can also visit the nearest branch with documents (KYC document and ID proof) for updating the same.

How can I update my registered mobile number?

For updating your registered mobile number, contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with KYC details and ID proof.

 

You can also visit the nearest branch with documents (KYC document and ID proof) for updating the same.

How can I update my alternate mobile number?

For updating your alternate mobile number, contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with KYC details and ID proof.

You can also visit the nearest branch with documents (KYC document and ID proof) for updating the same.

What are the different modes through which I can pay my EMI?

There are multiple modes through which you can pay your EMI such as-

• UPI

• PayTM

• LTFS website (Quick Pay)

• Bharat bill payment system (BBPS)

• National electronic funds transfer (NEFT) / Real time gross settlement (RTGS)

• Payment Retail outlets

• Branch

• ECS/Auto debit/Mandate

What is the process for making the payment through UPI channel?

For making payment through UPI, click on any UPI app

Click on UPI ID> Enter UPI ID >Enter due amount>Click on pay option> Make payment.

  UPI ID

• For Two-wheeler customers: “LNTTW (Full LAN) @sc”

• For consumer loan customers: “LNTCL (Full LAN) @sc” Save transaction id for payment made

Save transaction id for payment made

What is the process for making the payment through PayTM?

You can pay your EMI either via PayTM app or through the link mentioned below- Loan Emi Payment

For making payment via PayTM app

• Enter your mobile number

• Click on proceed to pay

• Enter OTP number received via text message and click on verify

• Select payment mode and make payment

• Save Order ID for the payment made.

What is the process of making payment through LTFS website?

To make payment through LTFS website,

Home menu >Quick pay >Enter LAN & captcha > View Customer Payment Details > Enter payment amount, mobile number & email ID (optional) >Proceed to Pay >(redirected to PayTM PG) >OTP authentication >Choose payment mode > (redirected to bank website) >complete transaction > (redirected to LTFS website) > download payment invoice

What is BBPS?

Bharat Bill Payment System (BBPS) is a Reserve Bank of India (RBI) conceptualised system driven by National Payments Corporation of India (NPCI) that offers interoperable and accessible bill payment service to consumers via digital (bank channels) as well as through a network of agents & bank branches

What is the process of making payment through BBPS?

To make payment via BBPS

• Connect to any Internet banking/App of your respective bank or Visit bank/branch or retail shop

• Click on Bill payment or BBPS Tab

• Choose the category of biller and Enter the bill details

• Initiate a payment and get instant confirmation

What is the process for making an online payment through NEFT/ RTGS?

For making the payment through NEFT/ RTGS, add beneficiary details, transfer fund, share UTR number by calling on 7264888777 or email us: customercare@ltfs.com.

 

The beneficiary details is the combination of Static code (LTFS)+ Dynamic code(Loan Account number)

 

Beneficiary Name L&T Finance Limited
Beneficiary Account Number LTFS + Loan account number i.e. T075***906********
Centre (Location) Mumbai
Bank Standard Chartered Bank
Branch Fort, Mumbai
Account Type current
IFSC Code SCBL0036046

What is the process for making the payment through payment retail outlets?

For making the payment through outlet, visit the nearest outlet, provide Loan account number, registered mobile number and make payment. Please collect the receipt after making the payment.

How can I get to know about the nearest PRO?

To know about the nearest PRO, please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com

What is the process for making the payment through LTFS branch?

For making the payment through outlet, visit the nearest branch, provide Loan account number, registered mobile number and make payment. Please collect the receipt after making the payment.

What is the process of payment through ECS/Auto debit/Mandate Registration?

You can pay the EMI on your bike loan either through ECS (Electronic Clearing System)/auto debit from your bank account. In case you wish to avail of the ECS/auto debit facility for repayment of your motorcycle loan, please contact your LTF nearest branch.

How can I confirm if the payment made has been updated in the system? (Online/UPI/ Paytm/Agency collection/Paid at branch?

For payment confirmation click on, please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with correct Loan account details, receipt number and amount.

What should I do if I have made payment in incorrect account number?

For rectification of payment, please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with correct Loan account details, receipt number and amount.


  •  Paid to Agent


Customer support >Customer self-help >Click to case > Payment & Refund > Rectification of payment >Agency collection > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Enter LAN in which payment made, Enter correct LAN number, Agent details, Location, Date & Time of payment, Receipt number) > Submit > Case created


  •  Paid at Branch


Customer support >Customer self-help >Click to case > Payment & Refund > Rectification of payment >Paid at Branch > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Enter LAN in which payment made, Enter correct LAN number, Branch executive details, Branch location, Date & Time of payment, Receipt number )> Submit > Case created


Please note the case number for future reference.


For rectification of payment (payment made through online mode), please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with correct Loan account details, receipt number and amount.

What should I do if payment is not updated?

To update the payment, contact our customer helpline no. 72648887777 or write to us at customercare@ltfs.com with correct loan account details, receipt number, date and amount of payment made.

What should I do if EMI is not getting debited from account?

If the EMI amount is not debited please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com with correct LAN details and Bank Details

What should I do if the I want the refund of excess amount paid?

For refund of excess amount paid, please click on 


Customer support >Customer self-help >Click to case > Payment & Refund > Excess Amount Refund >Excess Amount in LAN > Enter
your Loan Account number or registered mobile number> Enter OTP > Enter Details [Excess amount reflecting in SOA , Enter amount paid, Enter refund amount required, Bank Details (for initiating refund-Bank name ,Bank account)]> Submit > Case created


Please note case number for future reference.

How can I apply for mandate swap/ rectification?

If you want to apply for mandate swap , please click on


Customer support >Customer Self Help >Click to case > Account Information> Bank Details-Mandate >Mandate Swap > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Bank Name, IFSC code, Account holder name, Account Number, Appointment Date and Time, Address details) Submit > Case created


If you want to apply for mandate rectification, please click on


Customer support >Customer Self Help >Click to case > Account Information> Bank Details-Mandate >Mandate Rectification > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Bank Name,IFSC code, Account holder name, Account Number, Appointment Date and Time, Address details) Submit > Case created


Please note case number for future reference.

 

Do I have the option of pre-paying/ foreclose the entire loan amount?

You can foreclose the loan any time after 6 months of availing of the loan.You need to pay prepayment fee on the outstanding loan amount


For raising a request of pre-paying/foreclose, please click


Customer support >Customer self-help >Click to case > Account Closure> Foreclosure process >Want to foreclose > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Enter EMI amount, Enter balance tenure, Amount ready to pay , Comments (if any)) Submit > Case created


Please note case number for future reference.


For more details please contact our customer helpline no. 7264888777 or write to us at customercare@ltfs.com.


My account status is showing active but my account is foreclosed/Settled/matured. How can I update the status?

To raise a request about account status update after maturity, please click on –


Customer support >Customer self-help >Click to case > Account Closure> Foreclosure process >Want to foreclose > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Enter maturity date, Last EMI paid date) Submit > Case created

Please note case number for future reference.


To know more about your account status, (foreclosed and settled) please contact our customer helpline no 7264888777 or write to customercare@ltfs.com with LAN details, date of foreclosed/settled/matured, and receipt number. Also attach receipt.

Where do I have to connect if my loan account is being sold to another entity?

1. Link for Kotak bank - You may visit www.kotak.com or get in touch with their executives for personal assistance on 1860 266 2666* between 10am to 6pm (Monday to Sunday)

2. Link of ICICI and other institutions - You may visit www.icicibank.com or get in touch with their executives for personal assistance on 1860 120 7777.

How can I get my SPDC (Security post-dated cheque)?

To get your SPDC ,please click


Customer support >Customer Self Help>Click to case > Account Closure> SPDC not returned> SPDC related > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Loan agreement number, Address for courier SPDC) Submit > Case created 

How can I get NOC (No objection certificate) for my loan?

If account status is closed and your RC details of your vehicle (for Two-wheeler/ Farm Equipment loan) are updated for your loan account,you can get your NOC (Duplicate NOC and State Transfer) by clicking on-


Customer support >Customer self-help >Click to case > Account Closure> NOC Special Cases >NOC State transfer > Enter your Loan Account number or registered mobile number> Enter OTP >Enter Details (RC details updated - Y/N, Transfer location, Transfer date, Transfer reason, enter address to courier NOC) Submit > Case created

Please note case number for future reference


If account status is closed and your RC details of your vehicle (for Two-wheeler/ Farm Equipment loan) are updated for your loan account, you can get your NOC by visiting the nearest LTFS branch.


If your vehicle details are not updated for your loan account closed, request you to contact our customer care helpline no. 7264888777 or write to us at customercare@ltfs.com. Once the details are updated you can visit the nearest LTFS branch to get your NOC.

How I can cancel my Two-wheeler/ Farm Equipment/ Personal Loan?

a. If you want to cancel your loan, please click on

Customer support >Customer Self Help >Click to case > Sourcing Related>Loan Cancellation > Service issue/Loan taken from competitor > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Enter EMI date Reason of cancellation/Competitor name) Submit > Case created


b. You can cancel your loan by visiting the nearest LTFS branch with your loan documents, cancellation letter with reason of cancellation, KYC ID and register your cancellation request.


c. You can also register cancellation request by contacting our customer helpline no. 7264888777 or write to us at customercare@ltfs.com from your registered email ID, along with the following details-

  •  Loan account number

  •  Name

  •  Registered Mobile No.

  •  Self-attested cancellation letter with reason of cancellation

  •  Scan copy of KYC documents

I recently visited LTFS branch and I am not happy with the service provided.

We apologise for the inconvenience caused and appreciate your patience. You can raise your request for branch feedback by clicking on


Customer support >Customer self-help >Click to case > Branch Feedback> Unhappy with branch services >Branch Service issue > Enter your Loan Account number or registered mobile number> Enter OTP > Enter Details (Enter Branch details, Issue, Details of person misbehaved) Submit > Case created


Please note case number for future reference.

How can I raise a complaint against your sales/collection executive in case of issue?

We regret the inconvenience caused and appreciate your patience. Request you to please contact our customer helpline no.7264888777 or write to us at customercare@ltfs.com with following details-

• Executive name

• Executive No.

• Date of Event

• Details of event

I have made payment but I am still receiving calls/SMS to make payment?

We regret the inconvenience caused and appreciate your patience. We request you to please connect with our customer care on 7264888777 or write to us at customercare@ltfs.com with following details-

• Loan account number

• Date on which call/SMS was received

• No. on which call/SMS was received

• Details of the issue

• Proof (if any)

I was unable to make payment on time and I have received call from LTFS to make payment. I have already communicated that I will make payment as soon as possible. I am still receiving repeated calls from LTFS.

We regret the inconvenience caused and appreciate your patience. We assure you that as soon as payment is received from your side these SMS and calls will be stopped.

If you still receive such calls/SMS you can connect with our customer care on 7264888777 or write to customercare@ltfs.com to share your issue with following details-

• Loan account number

• Date on which call/SMS was received

• No. on which call/SMS was received

• Details of the issue

• Proof (if any)

I have taken a loan from L&T Financial Services but I am receiving SMS and calls from LTFS for making payment for some different loan account no.

We regret the inconvenience caused and appreciate your patience. Request you write to us at customercare@ltfs.com with following details-

• Your Loan account number

• No. on which SMS/Call was received

• LAN for call/SMS was received

• Details of SMS/Calls received

• Attach screenshot/ call recording

I have not taken any loan but I am receiving SMS and calls from L&T Finance?

We regret the inconvenience caused and appreciate your patience. Request you to please write to us at customercare@ltfs.com with following details-

• No. on which SMS/Call was received

• Details of SMS/Calls received

• LAN for call/SMS was received

• Relation with original customer

• Attach screenshot/ call recording