Loan Account Number (LAN) - How to Check It Online with Kotak Bank?
  • Personal
  • Business
  • Corporate
  • Private Banking
  • Privy League
  • NRI Services
  • Investors
  • Personal
  • Business
  • Corporate
  • Private Banking
  • Privy League
  • NRI Services
  • Investors

Accessing and managing financial information online has become a convenience that many banking customers appreciate. One such essential piece of information is the Loan Account Number (LAN), particularly for those associated with Kotak. Understanding what is a Loan Number and the benefits of the LAN, as well as knowing how to check the Loan Account Number helps customers to get through their loan-related activities easily. This blog will get through the significance of Loan Account Numbers, and their full form, explore their meanings, outline their benefits, and guide Kotak customers on the steps to check their Loan Account Numbers online for a more informed and efficient banking experience.

What is a Loan Account Number?

A Loan Account Number is a distinctive alphanumeric code financial institutions give toindividual loan accounts, facilitating streamlined loan administration. When you take outa loan with Kotak Mahindra Bank, you'll come across a unique identifier known as theLoan Account Number (LAN). This number, typically 14 or 15 digits long, is assigned toyour loan account by the bank when they disburse the loan amount. It serves as a crucialreference point throughout your loan journey. This unique identifier is important indistinguishing one borrower's account from others within the system.

Comprising a combination of letters and numbers, the LAN is essential for precisely tracking payments, monitoring balances, and managing specific account details. Beyond administrative functions, the LAN is crucial in communication with the financial institution, helping in easy payment transactions and providing access to account-specific information. By ensuring the efficient organisation of loan transactions, the LAN contributes to clarity in record-keeping and promotes easy communication between borrowers and lending institutions.

Importance of Loan Account Number

A Loan ID Number is crucial for effective communication and easy management of your loan. Here's why having a unique LAN is essential:

  • Efficient Management: Keep your LAN accessible for online and offline loan management tasks, including checking status and making EMI payments.
  • Seamless Transactions: Ensure prompt EMI payments and receive timely assistance by providing your LAN for hassle-free updates to personal information.
  • Crediting EMI: The LAN ensures your EMI is accurately credited to the designated loan account.
  • Identification: This acts as an important identification number for addressing concerns or complaints related to your loan account.
  • Updates and Changes: Mandatory for making changes to contact information, address, employment details, etc., preventing potential issues in the future.


Having and utilising your LAN is important to a smooth and trouble-free loan process.

What is the Purpose of Having a Loan Account Number?

Understanding the significance of a Loan Account Number (LAN) is crucial for borrowers.At Kotak Mahindra Bank, the LAN serves as a unique identifier assigned to individualloan accounts, facilitating efficient loan management and clear tracking of repaymentstatus. With a LAN, borrowers can easily distinguish their accounts, ensuring smoothcommunication and transparency throughout their loan journey.

How to Check Loan Account Number Online with Kotak?

Checking your Loan Account Number online from Kotak is a hassle-free process that provides instant access to crucial loan details. Whether through Net Banking or Mobile Banking, Kotak ensures a user-friendly experience for its customers.

Net Banking

  • Log in to Net Banking: Log into your Kotak Net Banking account, which provides a secure and personalised way to access your financial information.
  • Go to Installment Loans: Once logged in, proceed to the Installment Loans section, which offers various loan products the bank offers.
  • Select Personal Loans: Within the “Instalment Loans” category, locate and select the option specifically related to Personal Loans, focusing on the loan type relevant to your account.
  • Click on Overview: Under the Personal Loans section, click the “Overview” tab to access a comprehensive summary of your loan-related information.
  • View Loan Details: Finally, in the Overview section, find and click "Loan Details" to retrieve specific and detailed information like the Loan Account Number of your Kotak loan.

Read More : Calculating Personal Loan EMI with Excel: Formula and Function Guide


Mobile Banking

  • Log in to Mobile Banking: Access your Kotak Mobile Banking application, providing flexibility and convenience on the go.
  • Go to Personal Loan: Within the Mobile Banking interface, locate and access the section dedicated to Personal Loans.
  • View Loan Details: Once in the online Personal Loan section, select the option to view "Loan Details," allowing you to instantly access and review the specifics like the LAN of your Kotak loan.


By following these simple steps, Kotak customers can easily check their Loan Account Number and gain valuable insights into their loan details, with an easy and efficient banking experience.


The Loan Account Number (LAN) stands as an important identifier in banking, especially for customers of Kotak. As technology continues to shape the way we interact with financial institutions, understanding the full scope of the LAN's meaning and benefits becomes increasingly important. It is important to understand what is a Loan Number, its importance, its meanings, and the advantages they offer to borrowers. By detailing the steps to how to check the Loan Account Number online from Kotak, it is important to understand, so that your banking experience is more accessible and easy.

Latest Comments

Leave a Comment

200 Characters

Related Information

Read Next

What is Personal Banking?Types, Benefits & Tips


Tips to Improve Your CIBIL Score


Debt-to-Income Ratio: Achieving Financial Balance with Personal Loan


Frequently Asked Questions About Loan Account Number

What is a Loan Account Number (LAN)?

A Loan Account Number (LAN) is a unique alphanumeric code financial institutions assign to individual loan accounts. It is a distinctive identifier, crucial for easy loan administration and effective communication between borrowers and financial institutions.

Where can I find my Loan Account Number?

You can find your Loan Account Number on your loan documents and statements or by logging into your Net Banking or Mobile Banking account with Kotak. It is essential for accessing and managing your loan details online.

Why is the Loan Account Number important?

The Loan ID Number is vital for efficient loan management, ensuring easy transactions, and timely EMI payment, and acting as a unique identification number for addressing concerns or complaints related to your loan account.

Can my Loan Account Number change?

Generally, your Loan Account Number remains constant throughout the loan tenure. However, checking with your financial institution for any exceptional circumstances that might lead to a change is essential.

What should I do if I can't find my Loan Account Number?

If you can't locate your Loan Account Number, check your loan documents and statements or contact Kotak's customer service for assistance. It's crucial to have this information for effective loan management.

Is it safe to share my Loan Account Number?

Sharing your Loan Account Number with authorised entities, such as your bank or financial institutions, is generally safe for legitimate transactions or inquiries. However, exercise caution and avoid sharing it with unverified sources.

Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.