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Indian Overseas Bank Home Loan Statement

IOB Bank Home Loan Provisional Certificate

Last Updated 15th Jun 2021

  • Indian Overseas Bank home loan statement is a summarized version of the availed home loan by a borrower.
  • Indian Overseas Bank loan statement is issued at the end of each fiscal year and contains information like borrowed loan amount, the amount paid, and remaining loan amount and home loan EMIs to be paid by the Indian Overseas Bank home loan borrower.
  • Indian Overseas Bank home loan statement is also called Indian Overseas Bank home loan provisional certificate.
  • The statement can be accessed both offline and online by the Indian Overseas Bank home loan borrowers.
  • Indian Overseas Bank home loan statement can be used to apply for a new loan or to calculate your debt to income ratio.
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IOB Home Loan Statement

IOB home loan statement is a summarized version of the IOB home loan details. IOB bank loan statement gives a clear view of all important components of a home loan that a borrower deals with to pay his IOB home loan EMI. The statement includes the principal amount borrowed, the interest to be charged, and the loan tenure. IOB home loan statement, also called as IOB 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 IOB Home Loan Provisional Certificate Online?

Similar to all banking activities, IOB home loan statement or IOB home loan certificate can be accessed online. For this, the borrower needs to follow the below mentioned:

  • Visit the IOB 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 IOB home loan statement opens. You can either view, print or can avail IOB home loan statement online download facility.

How to get IOB Home Loan statement Offline?

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

  • Visit the nearest IOB 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 filing in the form, submit it with the required documents such as Aadhar card, PAN card or Passport copy.

Why IOB Home Loan Statements are required?

IOB home loan statement is required to serve the following purpose:

  • IOB 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 IOB 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.
  • IOB 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 Indian Overseas Bank home loan provisional certificate?

Indian Overseas Bank home loan provisional certificate online can be downloaded using the Indian Overseas Bank net banking facility or the Indian Overseas Bank home loan portal. You need to enter your login and home loan details to download the Indian Overseas Bank provisional certificate or to avail Indian Overseas Bank home loan statement online download.

How can I get my Indian Overseas Bank home loan statement online?

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

How do I download my bank statements?

Bank statements can be downloaded using the online portals of the respective Bank. However, to download a Indian Overseas Bank loan statement, you need to have access to the net banking service, which is done through the login id and password allocated by the Bank.

How can I get an Indian Overseas Bank housing provisional certificate?

Indian Overseas Bank housing provisional certificate can be accessed both offline and online. For the offline services, one needs to visit the nearest Indian Overseas Bank bank branch physically. The online services, on the other hand, can be availed through the net banking portals.


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IOB Home Loan News - Jun 2021
  • 2021-06-15 : Indian Overseas Bank declared a profit of Rs 831 crore
    IOB closed the last fiscal with a net profit of Rs.831 crore as against a net loss of about Rs.8,527 crore. The total income for the year ended 31.03.2021 stands at Rs.22,525 crore as against Rs.20,766 crore for FY20. IOB plans to come up with Prompt Corrective Action to focus on loan recovery, low-cost deposits and less capital consuming advances.
  • 2020-11-09 : IOB posts ₹148-crore net profit in Q2
    Indian Overseas Bank reported a net profit of Rs 148 crore for the second quarter. Net profit grew 22.3% from Rs 121 crore in the June quarter of this fiscal. Total income backed by retail loans like home, personal, gold, two-wheeler and car loan along with business and mudra loans rose 8.1% to Rs 5,431. Interest income increased to Rs 4,363 crore from Rs 4,276 crore a year ago. Further, bank average cost of deposit which include fixed and recurring deposits reduced to 4.89% from 5.41%, while net interest margin improved to 2.18% for the quarter as against 1.86 per cent in the year-ago period.
  • 2020-08-21 : Indian Overseas Bank reported Rs. 120.69 crore net profit in Q1FY21
    Indian Overseas Bank reported a net profit of Rs.120.69 crores for the period ended June 30, 2020, as against a net profit of Rs.143.79 crores for the period ended March 31, 2020. In addition to this, the bank posted a total income of Rs.5233.63 crores backed by retail loans like home, personal, car, two-wheeler and gold loans along with business and mudra loans. Total deposits which include Fixed and recurring deposits increased to Rs 2.26 lakh crore as on June 30, 2020, as against Rs 2.21 lakh crore by June last year.
  • 2020-02-12 : Indian Overseas Bank posted a Q3 loss of Rs. 6,075 crores.
    Indian Overseas Bank reported a Q3 loss of Rs 6,075 crores which was Rs 346 crores in the same period a year ago. Further, driven partially by Home Loans and Personal Loans total income stood at Rs. 5,197 crores and interest income stood at 2,867 crores.
  • 2019-10-01 : Indian Overseas Bank offers repo-linked loans from today
    After RBI directed banks to link their lending rates with external benchmarks, Indian Overseas Bank is set to offer loans linked with repo rate. As per the update, the Bank will provide retail and MSME loans at repo rate+2.85% as the spread. Further, the Bank will also offer the benefit of 0.25% to small borrowers by charging Mudra Loans up to Rs 50,000 at 8.25%. This will be in effect from October 1, 2019.
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