Login ID : Password : Domain : Enter Captcha : Enter Text :Invalid. Please try again. MERC LTFS has emerged as a pivotal system in L&T Finance’s microfinance operations, streamlining collections, improving transparency, and enabling faster, more reliable servicing for small-ticket borrowers. In practice, MERC functions as a microfinance collection repository and operational layer that supports field teams, customers, and back-office reconciliation—reducing errors and accelerating posting cycles. This long-form guide explains what MERC LTFS is, who it serves, how it works ... Discover how LTFS MERC transforms microfinance in India, empowering rural women with easy, fast, and collateral-free loans for brighter futures. Platform for managing microfinance collections by L&T Finance Limited.