Introducing LTFS MERC: Your Microfinance Collection Portal


Searching for a financial service providing platform, which provides loans in both short term bases. But if you’re worried about the security issues, then don’t be anxious because I am going to introduce you to “LTFS MERC” which is an microfinance collection repulsory portal. In this article I am going to talk about the website, details, services, eligibility criteria, login procedure and many more. 

Overview of LTFS MERC 

LTFS MERC is an online financial service providing portal also known as microfinance collection repulsory portal. L&T finance is a well-known player in the financial market, as per my research they provide services for the short-term bases which are for only 3 months to 2 years. To handle all the financial related information L&T finance launched this platform to maintain the details of the customers as well as the staff. 


Website NameMERC
Division Micro Finance Collection Repository 
Parent CompanyL&T Finance
Objective To keep all the reports of the payments made against loans by L&T
Official Website 

Eligibility Criteria

If you are searching for details of MERC. Then read the following eligibility criteria that I have came through while applying for the services:-

  1. The applicant minimum age should be 20 year to get the loan
  2. The applicant should be less than 60 years 
  3. This loans is only provided to the women
  4. The maximum amount of loan provided by the portal is Rs 45,000
  5. The maximum loan tenure is 2 years 
  6. No collateral is required and the processing fee of 1% is applicable   

Services Offered by MERC LTFS

If you are searching for the services of the portal. Then you are on the right corner of the article because I am going to talk about services offered them:-

  1. MiFlow Ltferp login: Ltferp system of L&T finance is linked to Miflow. It allows microfinance institutions to get the access to their accounts.
  2. SSC login L&T: Microfinance institutions are allowed to get the access of the services, resources and support, which is provided by L&T finance.
  3. L&T collection app: They provide you with a mobile application, which provides you an easy way to collect the details of loan collection.
  4. MiFlow access management: The platform provides a safe and secure interface to get access to the portal.
  5. LTFS access management system: Finance intitutions takes all the benefits from Miflow SSC login Ltferp access management system functionality. 

LTFSMERC Registration Process

As per my research, the registration portal is not active right now on the platform. So, you have to wait for the latest changes or update made by the website ( ) to register your account. If you are searching any further information regarding the registration process in this case do visit the official website and clear all your queries. 

LTFSMERC Login Process

Searching for a way to login your account on the official website ( Then follow the given steps that I have followed to login my account and which will also enhance the experience of the user:-

LTFS MERC Login Process
Image Source: Canva
  • Step 1: Firstly, open any browser as per your preference
  • Step 2: Visit the login page to login your account
  • Step 3: Fill all the required details given on the portal such as “Login ID, Password, Domain and Captcha” 
  • Step 4: Once you filled all the details, click on the “Login” button

Process To Apply for loan using LTFS MERC

To apply for a loan using LTFS MERC, you can follow the given steps:

  1. Log in and click on “Loan Application
  2. Fill in your personal, business and financial details
  3. Upload required documents and submit your application
  4. You will receive a confirmation message and a reference number for your application
  5. You can track your loan status and approval by using this platform.

Guide to Disburse & Track Loan

To disburse and track a loan using LTFS & MERC, you must have valid loan approval and bank account details. You can follow these simple steps:

  1. Log in toand click on “Loan Disbursement
  2. Enter the loan amount and borrower’s bank account details
  3. Confirm the transaction and prepare the loan contract
  4. You will receive a confirmation message and a reference number for your transaction
  5. You can track your loan disbursement and balance using LTFS MERC.

Positives of LTFS MERC

There are incredible benefits of the website that users can avail. Some of the main benefits that that I have came across:-

  1. Secure Data: The website support for encryption, includes an important layer of security of the data.
  2. Cost Effective: They provide a cost effective solution for the long term data, from their low cost per terabyte compared to the storage option which lets financial institutions to store their data.
  3. User-Friendly: The interface of the website is easy to use because of the familiar file system, which reduces the learning curve.
  4. Data Recovery: The users can protect their data by LTFS tapes, from the events that occur offline. 

Languages Available On LTFS MERC Platform 

I have seen that the portal provides numerous languages to their users, through which you can easily communicate and get the access:-

  1. English
  2. Hindi
  3. Kannada
  4. Malayalam 
  5. Oriya
  6. Tamil 
  7. Gujarati
  8. Marathi 
  9. Bengali


LTFS MERC is a web-based platform which enables the users to access, manage and repay the loans from L&T finance. Miflow is also known as microfinance collection repository, it provides financial services to the customers. I have seen that the platform provide loans for agriculture, education, health, and many other purposes. Loans are provided for short-term ranging from three months to two years, it is one of the leading non-banking financial organizations in India.

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