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Track your L&T Finance personal loan status online or via the PLANET app using your registered mobile or application number. Check processing stages, view status updates, and find steps to resolve rejections.
Last updated on: Aug 31, 2026
Applying for an instant personal loan provides quick access to funds for medical emergencies, home renovations, or major life events. L&T Finance (also known as L and T Finance) offers flexible personal loan options with minimal documentation and fast disbursal.
Once you have submitted your application, tracking your L&T Finance personal loan application status helps you stay updated on verification, approval, and fund disbursement timelines. You can conveniently perform an L&T Finance loan status check online via the official website, through the L&T Finance PLANET app, or by reaching out to customer support.
To check your current L&T Finance Personal Loan application status without delay, keep the following details ready:
| Tracking Method | Details Required | Purpose & Notes |
|---|---|---|
Mobile Number |
Registered Mobile Number |
Used to receive a One-Time Password (OTP) for secure identity authentication. |
Application Reference Number |
Unique Application ID / Proposal Number |
Generated upon submitting your personal loan from L&T Finance application form; this helps fetch your specific application details directly. |
KYC Details |
PAN / Date of Birth |
May be required for identity verification during portal login or branch visits. |
L&T Finance offers multiple digital and offline channels to check your personal loan status in real time.
Method 1: L&T Finance Official Website
Method 2: L&T Finance PLANET App
If you're unable to check your status online, reach out via:
When tracking your application online, your screen will display different status indicators. Here is what each status stage means:
| Application Stage | What It Means | Recommended Next Step |
|---|---|---|
Applied / Submitted |
Your loan application form has been received successfully by L&T Finance. |
Wait for the underwriting team to initiate document verification. |
Under Review / Verification |
The team is evaluating your eligibility, credit score (CIBIL), income documents, and KYC details. |
Keep your phone handy in case an L&T representative calls for verification. |
Approved / Sanctioned |
Your application meets all eligibility criteria and the loan amount has been formally approved. |
Accept the digital loan agreement and set up e-NACH/e-mandate for repayment. |
Disbursed |
The sanctioned loan amount (minus applicable processing fees) has been transferred to your bank account. |
Check your bank statement to confirm receipt of funds. |
Rejected / Declined |
The application failed to satisfy one or more lending/credit eligibility parameters. |
Review rejection reasons and wait before re-applying. |
If your L&T Finance personal loan application is rejected, follow these steps before reapplying:
L&T Finance offers a digital-first application process designed for rapid turnaround:
Get loans of up to ₹15 Lakhs at attractive rates starting from 12% p.a., with a hassle-free process.
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Reviewer
You can track your application status online through the official L&T Finance website (ltfinance.com) or the PLANET Loan App using your registered mobile number and OTP. Alternatively, call customer care at 1800 268 0000.
Once an approval decision is made, L&T Finance sends an automated SMS and email notification to your registered details. You can also log into the PLANET app or web portal to view status updates in real time.
EMIs are automatically deducted from your linked bank account via e-NACH, Standing Instructions (SI), or Auto-Debit mandates. In case of bounced EMIs, online repayments can be made via the PLANET app, official payment portals, or cash at an L&T branch.
Yes, prepayment or foreclosure options are available after a mandatory 6-month lock-in period from the date of disbursal. Prepayment/foreclosure charges of up to 5% plus applicable taxes on the outstanding principal apply.
Pre-approved digital applications may generally receive approval within 2 minutes. Standard applications requiring manual document verification are typically processed and approved within 24 to 48 hours.
You can contact L&T Finance customer care at 1800 268 0000 (toll-free) between 9:00 AM and 6:00 PM on all days except national holidays. You can also email them at customercare@ltfs.com.
Visit ltfinance.com, navigate to 'Track Application', enter your registered mobile number or application ID, and verify with the OTP sent to your phone to view real-time status details.
Yes, you can track your application status using only your registered mobile number. An OTP will be sent to your mobile number to authenticate your identity and display your active loan application.
The PLANET app is L&T Finance's official mobile platform allowing customers to apply for personal loans, track application status, view repayment schedules, download NOCs, and pay EMIs.
Common reasons include a credit score below 700, active loan defaults, insufficient income proof, mismatched KYC documents, or high debt-to-income ratios.
Once the digital agreement and e-mandate are completed, loan funds are disbursed into your bank account within 15 minutes to 24 hours.
"Under verification" indicates that L&T Finance is in the process of auditing your credit profile, employment details, income documents, and bank statements before granting final approval.
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