LALCO CONNECT Mobile App - User Guide What is LALCO Connect? Brief overview of the app LALCO Connect is a mobile application that helps you manage your account, make payments, and access services easily. It provides a convenient way to stay connected with LALCO anytime, anywhere from your smartphone. Key features at a glance Easy account management Quick bill payments Service requests Transaction history Real-time notifications Secure login Who should use this app This app is for: LALCO account holders Customers who want to manage their services online  Anyone looking for quick and easy payment options Users who prefer digital transactions over in-person visits System requirements Android 6.0 or higher / iOS 12.0 or higher Active internet connection Valid phone number At least 50MB free storage space First Time Users How to download the app Go to Google Play Store (Android) or App Store (iOS) Search for "LALCO Connect" Tap "Install" or "Download" Open the app after installation   Registration process Open LALCO Connect app Tap "Create Account" Enter your personal information  Add your address details Set up your password Agree to Terms & Privacy Policy Tap "Continue" to complete registration     Login Process Steps for login : Enter phone number Enter password / PIN                                                                                                       (Optional) Forgot pssword? Tap Login/ Access account Wrong Credentials : If the phone number or password/PIN is incorrect, an error message will appear, e.g.: “Incorrect phone number or password. Please try again.” Actions for the user:   Check phone number – Ensure it’s correct and includes the country code if required.   Check password/PIN – Re-enter carefully (watch for caps lock or extra spaces).   Use “Forgot password?” : Tap it to reset your password if you can’t remember it. Try again – After correcting details, tap Login again Tip for guide users: Always make sure your internet connection is active. If repeated failures occur, contact support/helpdesk. Sign In Process Step 1: Personal Information Enter your phone number Include country code if required Step 2: Address Details Provide your address information Fill in required location feilds Step 3: Password Setup Create a strong password Confirm your password (Re enter your pssword ) Tick to agree terms & privacy policy Tap "create account" to create your account     Home Dashboard My Loans My Loans is your central hub to view and manage all existing loan accounts. This section displays your loan information but does not allow new loan applications. What You Can Do : View all your loan accounts in one place Filter loans by status (Active, Pending, Refinance, Closed) Search for specific loans by ID or product type Check loan details (principal, balance, interest rate, EMI progress) Monitor payment due dates and amounts  Download loan statements and reports   Important Note: This is a view-only section. To apply for new loans, use the "Apply" button from the bottom navigation or Home page Applying for new Loans Step 1: Basic Information Select loan type (SME Car, New Business Loan, Trade Finance, etc) Choose currency (USD, THB,LAK) Enter desired loan amount Select loan duration  Note: You can change this later during review Tap "Continue" to proceed Step 2: Employment Details Select employment status :  Salaried Self Employed Enter employer name or business name Provide your monthly income amount Tap "Continue" to proceed Or tap "Back" to edit previous information Step 3: KYC (Know Your Customer) Select document type:  NIC Passport Driving License Enter your identification number Tap "Continue" to proceed Or tap" back" to edit previews information Step 4: Review Application Check all entered information Read terms and conditions By submitting you agree to terms and authorise lalco to verify your information Tap submit application to complete or tap back to edit any information     Making Payments Step 1: Access Payment Screen 1.   Tap "Pay EMI" from bottom navigation 2. Or tap "Pay Now" button from anywhere in the app Step 2: Attach Payment Evidence 1.   Tap "Attach Evidence" button 2. Choose evidence type: a. Image - Upload receipt photo b. PDF - Upload document 3. Select file from your device 4. Evidence can be: receipt, bank slip, or transfer confirmation   Step 3: Extract Information (Auto- fill) 1.   After uploading receipt, tap "Extract Image" button 2. System automatically reads and fills:   Contract No   Payment amount     Currency   Transaction date   Reference number     Step 5: Review and Submit 1. Double-check all information: 2. Payment amount 3. Contact number 4. Reference details 5.   Attached evidence 6. Verify everything is correct 7.   Tap "Submit Evidence" button to complete IMPORTANT: Always check auto-filled values Review payment amount is correct Verify transaction date matches receipt Check reference number is accurate Confirm all details match your payment If information is incorrect: Manually edit any incorrect fields Update amounts or reference numbers  Ensure all details are accurate Payment Schedule Payment Schedule is a display-only section that shows your complete EMI payment timeline. This is not a function to perform actions - it's for viewing your payment plan and history. Payment Timeline   Complete list of all EMI installments   Payment dates for each installment   Amount due for each payment   Payment status (Paid/Pending/Upcom ing) Filter Options Summery - overview of total payments Daily/ monthly/quarterly - view payments by time period Overue - see any missed payments Loan Information Loan ID and product type Disbursement  details Total loan amount Interest rate P ayment Breakdown Each installment row shows:   EMI date   Principal amount     Interest amount   Total EMI   Outstanding balance     Payment status     Summary Cards   Total Principal   Total Interest   Total Amount   Grand Total My Profile Step1 : Open your profile   Tap "Profile" icon from bottom navigation bar Or tap profile icon in top right corner of any screen Your profile displays: Personal details :  Full name - your registered name  Mobile number - your  contact number Email address- your registered email Changing Your Password Step 1: Access Password Change Form 1.   Scroll down in Profile section 2. Find "Change Password" section Step 2: Enter Current Password 1.   Tap on "Current Password" field 2. Type your existing password 3. Tap eye icon to show/hide password for verification Step 3: Enter New Password 1.   Tap on "New Password" field 2. Type your new password 3. Tap eye icon to show/hide password Step 4: Confirm New Password 1.   Tap on "Confirm New Password" field 2. Re-type your new password exactly 3. Tap eye icon to show/hide password Make sure it matches your new password Step 5: Submit Changes   1. Review all three fields 2. Ensure new passwords match 3. Tap green "Update Password" button 4. Wait for confirmation message 5.   Step 6: Confirmation 6. Success message will appear 7.   You'll remain logged in 8. Use new password for next login   Password Security Guidelines   Creating a Strong Password: 1.   Use at least 8 characters 2. Include uppercase and lowercase letters 3. Add numbers (0- 9) 4. Include special characters (@, #, $, %, etc.) 5. Avoid common words or patterns   Password Safety Tips:   Never reuse old passwords   Don't share your password with anyone   Change your password regularly (every 3-6 months)   Don't write it down in unsecure places   Don't use easily guessable information (birthdate, name, etc.)   If You Forget Your Password:   Use "Forgot Password?" option on login screen   Follow password reset instructions Check your registered email or phone for reset link     Additional Profile Features   Settings Access:   App preferences   Notification settings   Language selection   Security options   Help & Support:   Contact customer service   FAQs   App version information   Logout:   Tap logout button to sign out securely   You'll need to login again to access your account       EMI Calculator Step 1: Access Calculator Tap EMI calculator from home page quick accsess or find it in the main menu Step 2: Choose loan type Select calculation method : Normal: Stndard calculation Bullet: Interest only payments Step 3: Select currency Choose your currency: LAK - Lao Kip , USD - US Dollar Step 4: Enter loan details Type the amount you want to borrow Enter the interest rate Enter loan duraton in months Step 5: View result The calculator instantly shows: Estimated EMI: Monthly payment amount (e.g., LAK 4,277,777) Total Interest: Total interest you'll pay (e.g., LAK 54,000,000) Total Payable: Total amount to repay (e.g., LAK 156,000,000) Step 6: View Detailed Breakdown (Optional) T ap "View Amortization" button See month-by-month payment schedule Check how much goes to principal vs interest each month KYC UPDATE   What is KYC? KYC (Know Your Customer) is a verification process to confirm your identity and address.   Why it's required:   Legal compliance with financial regulations   Protect your account security   Prevent fraud and identity theft   Required for loan approvals     When to update:   First time registration   When documents expire   When personal information changes     When requested by LALCO   KYC Update Process Overview Quick 4-step verification: Selfie - Upload your photo ID Card - Upload identification document Document - Proof of address Face Verify - Live face scan verification Progress tracker shows which step you're on.   St ep 1: Upload Selfie   Tap "KYC Update" from Home page Quick Access   You'll see Step 1: Selfie screen Tap green "Camera" button   Take a clear selfie photo   File status changes from "No file selected" to uploaded   Tap "Continue" to proceed     Step 2: Upload ID Card 1.   Select your ID type by tapping checkbox: a. National ID b. Passport c. Family Book 2. Upload Front Side: a. Tap "Camera" button under "Front Side" b. Take photo of front of your ID c. Ensure entire card is visible 3. Upload Back Side: a. Tap "Camera" button under "Back Side" b. Take photo of back of your ID c. Ensure entire card is visible Tap "Continue" to proceed Selfie Requirements: Face clearly visible and centered   Good lighting (no shadows) No sunglasses, hats, or masks         Look directly at camera Plain background preferred ID Card Photo Tips: All details must be clearly visible   No glare, shadows, or reflections Entire card must fit within frame Photo should be clear and focused Lay card on flat, dark surface   Document Requirements: Must be recent (within 3 months) Your name must match ID Full address clearly visible Not handwritten (printed documents only) Step 3: Upload Proof of Address 1.   You'll see "Step 3: Proof of Address" screen 2. Upload Document: a. Tap "Camera" button to take photo, OR b. Tap "File" button to upload PDF/JPG from device 3. Confirm accuracy: a. Tick the checkbox: "I confirm the information is accurate" b. Tap "Continue to Face Verification"   Document Requirements: Must be recent (within 3 months) Your name must match ID Full address clearly visible Not handwritten (printed documents only)   Step 4: Live Face Verification   1.   You'll see "Live Face Verification" screen with instructions 2. Read scanning instructions: a. Position your face in the circle b. Slowly move your head in a circular motion c. Keep your face visible during the 3-second scan 3. Review preview: a. Check selfie and ID document thumbnails at bottom b. Tap "Reset" if you need to start over c. Start verification: d. Tap green "Start Live Face Verification" button e. Camera will open automatically 4. During scanning: a. Center your face in the circle on screen b. Slowly rotate your head in circular motion c. Follow on-screen prompts d. Keep still when instructed e. Wait for scan to complete (3 seconds) 5. Submit: a. After successful scan, tap "Submit Verification" button b. Wait for confirmation message     Face Verification Tips: Find good lighting (face camera toward light)       Remove glasses if possible Remove hat or head covering Ensure face is clearly visible   Follow instructions carefully Stay still during scan   After KYC Submission       Processing Time:   Verification typically takes 1-3 business days   You'll receive notification when approved   Check Verification Status:   Go to Profile section   Look for KYC status indicator   If Verification is Rejected:   You'll receive notification explaining reason   Common reasons: blurry photos, incorrect documents, information mismatch   Resubmit with correct documents   Follow instructions carefully   When to Update Again:   When documents expire   If address changes   If requested by LALCO   At least every 2 years for compliance   Important Notes: All 4 steps must be completed Documents must be valid and current Information must match across all documents Cannot skip any steps Keep documents ready before starting     Promotions & Offers Browse current deals and special offers on LALCO loan products. View-only section for available promotions.     Access 1.   Tap "LALCO Promotions" from Home page 2. Or access from main menu   Filter Options 1.   By Product: All, SME Car, Trade Finance, New Business Loan 2. By Time: Latest, Ending Soon   What You See   Promotion title and benefits   Discount rates or special terms   Validity dates   Terms and conditions   Apply/Learn More buttons     No Promotions? "No promotions found" message appears. Check back for new offers. Note: All promotions subject to terms and conditions. Support & Help Get help and contact LALCO customer support through multiple channels.   Quick Contact : Call Support button - Direct call Open WhatsApp button - Chat support                         -WhatsApp Support Chat Self-Service Options Raise Ticket - Submit support requests Track Requests - Check inquiry status FAQs - Common questions and answers Branch Locator - Find nearest branch   Popular FAQs Quick answers to: 1.   How do I pay my EMI? 2. How do I update KYC? 3. I missed an EMI. What now? 4. Tap any FAQ to view the answer. Raise a Ticket Raise a Ticket   1.   Describe Your Issue - Enter your problem in the text field (max 300 characters) 2. Submit - Tap the green "Submit Ticket" button 3. Done - Your ticket is sent to support   Track Requests View Status - See all your submitted tickets here Check Updates - Monitor responses from the support team Empty State - "No requests found" appears when you have no Tips & Best Practices   Loan Management   Pay EMIs before due date   Check payment schedule regularly   Save all payment receipts   Keep KYC information updated   Review balance monthly   Security   Use strong password (letters, numbers, symbols)   Never share login details   Change password every 3-6 months   Always logout after use   Keep app updated   Making Payments   Verify loan number and amount before paying   Upload clear receipt photos   Include bank reference numbers   Allow 1-2 days for payment processing   Applying for Loans   Provide accurate information   Submit clear documents   Use EMI calculator first   Review application before submitting Troubleshooting Login Issues   Cannot Login:   Check phone number is correct   Verify password (case-sensitive)   Use "Forgot password?" to reset   Check internet connection   Clear app cache or reinstall   Forgot Password:   Tap "Forgot password?" on login   Follow reset instructions   Check phone/email for reset code   Create new password Payment Issues   Payment Not Showing:   Wait 1-2 business days for processing   Check payment schedule for updates   Verify bank transaction was successful   Upload clear payment receipt   Contact support with reference number   Upload Failed:   Check internet connection   File size max 5MB   Use JPG, PNG, or PDF format   Take clear photos   Retry later     Account Issues   Account Locked:   Wait 30 minutes after failed login attempts   Use "Forgot password?" to reset   Contact support for help   Cannot Update Information:   Fill all required fields   Check correct format (phone, email)   Check internet connection   Contact support if continues   Application Issues   Application Stuck:   Check status in "Pending" tab   Wait 2-3 business days   Check for document requests   Contact support for update     Cannot Submit Application:   Complete all required fields   Verify KYC status   Check documents uploaded   Check internet connection   Review error messages   Save draft and retry     General Tips   Check internet connection first   Update app to latest version   Contact support: +91 80-10-60   Have loan/reference number ready Frequently Asked Questions (FAQs) General Q uestions   Q: What is LALCO Connect? A: LALCO Connect is a mobile application that allows you to manage your loans, make payments, and apply for new loans conveniently from your phone.   Q: Is LALCO Connect free to use? A: Yes, the app is free to download and use.   Q: Which devices are supported? A: LALCO Connect works on Android (version 8.0+) and iOS (version 12.0+) devices.   Q: Is my information secure? A: Yes, we use bank-level encryption and security measures to protect your data.   Account & Login   Q: How do I create an account? A: Tap "New here? Register" on the login screen and follow the registration process.   Q: I forgot my password. What should I do? A: Tap "Forgot password?" on the login screen and follow the reset instructions.   Q: Can I change my phone number? A: Contact LALCO support to update your registered phone number.   Q: How do I change my password? A: Go to Profile → Change Password, enter current password and new password.   Loans   Q: How do I check my loan balance? A: Go to Home dashboard to see all loan summaries, or tap "Loans" for detailed information. Q: What does "Total Remaining" mean? A: This is the total outstanding balance across all your active loans.   Q: Where can I see my full payment schedule and next due date? A: Open Home → Payment Schedule. Tap any Contract to see details and status.   Q: What are the different loan statuses? A: Active: Currently ongoing loans Pending: Applications awaiting approval Refinance: Restructured loans Closed: Fully paid loans   Q: Can I have multiple loans at the same time? A: Yes, subject to eligibility and approval by LALCO.     Payments   Q: How do I pay my EMI? A: Tap "Pay EMI" from bottom navigation Select contract number Upload payment receipt Fill in payment details Submit evidence   Q: What payment methods are accepted? A: Bank transfer, cash deposit at branches, mobile banking. Upload proof of payment in the app.   Q: How long does it take for payment to reflect? A: Payments typically reflect within 1-2 business days after submission of evidence.   Q: Can I pay early or pay more than the minimum? A: Yes! You can make early payments or pay more than the minimum EMI. Check for early payment discounts.   Q: I missed an EMI. What now? A: Pay as soon as possible to avoid additional penalties. Check your payment schedule for updated penalty amounts.   Q: What if payment succeeded but the app still shows "Due"? A: Wait 1-2 business days for processing. If still not updated, contact support with your payment reference number.   Q: What currencies can I use for payment? A: USD, LAK, and THB (depending on your loan agreement).   Q: How do early payment discounts work? A: Check Notifications and Promotions for current discount offers. Discounts are applied when you pay early or in full.   EMI Calculator   Q: What is the EMI Calculator? A: A tool to estimate your monthly payment amount based on loan amount, interest rate, and tenure.   Q: What's the difference between Normal and Bullet loans? A: Normal (reducing): Standard EMI with principal + interest Bullet (interest-only): Pay interest monthly, principal at end   Q: Can I apply for the loan after calculating? A: Yes, use the calculator to estimate, then proceed to "Apply Loan" to submit application. 19.6 KYC (Know Your Customer)   Q: What is KYC? A: Know Your Customer verification - a legal requirement to confirm your identity.   Q: When do I need to update KYC? A: When first registering When documents expire What To Expect What We Expect From You What We Expect From You Timely Payments Pay your EMIs before the due date to avoid penalties. Accurate Information Provide correct details and update when things change. Documents Submit valid, readable documents when requested. Stay Connected Keep your phone number active and check notifications regularly. Follow Terms Use the loan as agreed and follow loan conditions. What You Can Expect From Us Quick Service Fast application processing and timely approval updates. Clear Information Transparent loan terms with no hidden charges. Safe & Secure Protected transactions and private data handling. Helpful Support Available support through phone, WhatsApp, and app. Easy to Use Simple app design and straightforward payment process. Fair Treatment Professional service and flexible solutions when needed.   Contact & Support   Need Help? Phone: Monday - Friday, 8:00 AM - 5:00 PM WhatsApp: Quick chat support In-App: Tap "Support" for tickets, FAQs, and branch locator   Quick Tips Enable notifications for reminders Keep app updated Save payment receipts Update KYC when needed                   Thank you for choosing LALCO Connect! Simple. Secure. Convenient.                               Version 1.0 | © 2026 LALCO