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Bank of India Home Loan Statement

Bank of India Bank Home Loan Provisional Certificate

Last Updated 07th Dec 2021

  • Bank of India home loan statement is a summarized version of the availed home loan by a borrower.
  • It is issued at the end of each fiscal year and contains information like borrowed loan amount, the amount paid, remaining loan amount and home loan EMIs to be paid by the Bank of India home loan borrower.
  • Bank of India home loan statement is also called Bank of India home loan provisional certificate.
  • Bank of India home loan borrowers can access the statement both offline and online.
  • You can use Bank of India home loan statements to apply for a new loan or calculate your debt to income ratio.
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What is Bank of India Home Loan Statement?

Bank of India home loan statement is a summarized version of the Bank of India home loan. Bank of India bank loan statement gives a clear view of all important components of a home loan that a borrower deals with to pay his Bank of India home loan EMI. The statement includes the principal amount borrowed, the interest to be charged, and the loan tenure. Bank of India home loan statement, also called as Bank of India bank home loan provisional certificate is issued at the end or beginning of each fiscal year to indicate the remaining home loan amount and home loan EMI to be paid by the home loan borrower.

How to Get Bank of India Home Loan Provisional Certificate Online?

Similar to all banking activities, a Bank of India home loan statement or Bank of India home loan certificate can be accessed online. For this, you need to follow the below mentioned steps:

  • Visit the Bank of India net banking portal or their official website.
  • Click on the login page and enter your user id and password allocated for the net banking services.
  • After logging in, click on the ‘Enquiries’ tab.
  • Under the Enquiries head, select the ‘Home loan provisional certificate’ option.
  • Enter your home loan details for which you need the desired information.
  • After entering the information, the Bank of India home loan statement opens. You can either view, print or can avail Bank of India home loan statement online download facility.

How to Get a Bank of India Home Loan Statement Offline?

Bank of India home loan statement can be availed offline as well. For the offline process, you have to follow the below-mentioned steps:

  • Visit the nearest Bank of India branch.
  • Ask for a home loan statement form, and fill the necessary information accurately such as the applicant name, PAN number, date of birth, residential address, home loan details like home loan account number, email id of the applicant and contact number.
  • After filling in the form, submit it with the required documents such as Aadhar card, PAN card or Passport copy.

Why are Bank of India Home Loan Statements Required?

Bank of India home loan statement is required to serve the following purpose:

  • Bank of India provisional certificate helps home loan borrowers keep a regular check on their home loan activities.
  • It keeps the borrowers updated about their upcoming home loan EMIs, due amount, the amount paid and the remaining loan tenure.
  • Further, these Bank of India loan statements are even useful after the completion of a particular loan. This is because it becomes a mark of a person’s loan repayment capability and is checked by banks for lending future loans.
  • Bank of India home loan tax certificate also informs one of how much tax one needs to pay. It is necessary to claim tax deductions.

FAQs

How can I download my Bank of India home loan provisional certificate?

You can download the Bank of India home loan provisional certificate online using the Bank of India net banking facility or the Bank of India home loan portal. To avail the facility of Bank of India home loan statement online download or to download the Bank of India provisional certificate you need to enter your login and home loan details.

How can I get my Bank of India home loan statement online?

You can get your Bank of India home loan statement online, by logging in on the online portals, and choosing the ‘Home loan provisional certificate’ option under the enquiries tab.

How can I get an Bank of India housing provisional certificate?

Bank of India housing provisional certificate can be accessed both offline and online. For the offline services, you need to visit the nearest Bank of India bank branch physically. On the other hand, you can avail the online services through the net banking portals.

How do I find my Bank of India Loan Account Statement?

You can find details about Bank of India loan account statements online through Bank of India netbanking account. In addition, to download an interest certificate Bank of India offline, you can visit the nearest bank.

How can I check my Bank of India loan balance online?

You check Bank of India loan balance online by logging to your Bank of India account through netbanking. You can also download a Bank of India home loan interest certificate or Bank of India loan account statement to check your loan balance.


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Bank of India Home Loan News - Dec 2021
  • 2021-10-18 : Bank of India Cuts Interest Rate on Home Loan
    Bank of India has reduced the home loan interest rate by 35 basis points. With this cut, the interest rate on home loans starts at 6.50 percent against earlier 6.85 percent. These rates are applicable for the new loans as well as balance transfers till December 31, 2021.
  • 2020-08-03 : Bank of India posted PAT of Rs. 845.78 crore in Q1FY21
    Bank of India posted a net profit of Rs.845.78 crores for the period ended June 30, 2020, as against a net profit of Rs.3600.65 crores for the period ended March 31, 2020. Further, the Bank reported total income aided by retail loans like home, personal, car, two-wheeler and gold loans along with business and mudra loans of Rs.12022.48 crores during the period ended June 30, 2020.
  • 2019-11-05 : Bank of India reports Rs 266 crores profit in the second quarter
    Bank of India earned a net profit of Rs 266 crore in the second quarter of the present fiscal year. The Bank claims the profit because it experienced a growth in its net interest income and a decline in its provision for bad and doubtful retail loans, like home and personal loans. Further, the total income of the Bank increased by Rs 11,985.50 crores.
  • 2019-09-09 : Cheaper home loans with Bank of India
    In a bid to attract more customers during the festive season, Bank of India is providing home loans at cheaper rates. The state-owned bank has decided to waive off processing fees and to provide loans up to Rs 30 lakh at 8.35 percent. Further loan amount above Rs 30 lakhs will be provided at repo linked interest rates.
  • 2019-08-21 : Bank of India and Indian overseas bank to introduce online portal for retail loans
    In a bid to expand retail loan business, public sector banks like Bank of India and Indian Overseas Bank are planning to introduce retail loans like housing, car loans and personal loans on the portal, psbloansin59minutes. Currently, it is open to sanction only MSME loans, but soon, retail loans will also be granted through the portal. This is done to ensure the easy availability of loans and to save borrower’s and banker’s time.
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