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OBC Home Loan Statement

OBC Bank Home Loan Provisional Certificate

Last Updated 11th May 2021

  • OBC home loan statement is a summarized version of the availed home loan by a borrower.
  • OBC 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 OBC home loan borrower.
  • OBC home loan statement is also called OBC home loan provisional certificate.
  • The statement can be accessed both offline and online by the OBC home loan borrowers.
  • OBC home loan statement can be used to apply for a new loan or to calculate your debt to income ratio.

OBC has merged into Punjab National Bank on April 1, 2020. The interest rates of Punjab National Bank will now be applicable on OBC Home Loan.

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OBC Home Loan Statement

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

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

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

How to get OBC Home Loan statement Offline?

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

  • Visit the nearest OBC 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 OBC Home Loan Statements are required?

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

  • OBC 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 OBC 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.
  • OBC 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 OBC home loan provisional certificate?

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

How can I get my OBC home loan statement online?

You can get your OBC 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 OBC 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 OBC housing provisional certificate?

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


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OBC Home Loan News - Jun 2021
  • 2020-01-24 : OBC net profit surged by 39.11%
    Oriental Bank Of Commerce profit increased by 393.11% to Rs 201.66 crores. The total income boosted by Home Loan and Business Loan increased to Rs 5642 crores which was Rs 5127 crores earlier. Further, gross NPA fell to 12.64% from 15.82% in the corresponding period of last year.
  • 2020-01-10 : OBC cuts lending rates by 15 bps
    With effect from 10 January 2020, Oriental Bank Of Commerce revised its MCLR. The one-year MCLR rate stands at 8.15% which was 8.30% in the previous month. The MCLR for overnight period is 7.55%, one-month MCLR is 7.60% and three months MCLR is 7.80%. MCLR for six months stands at 8% which was 8.05% earlier. The revised rates will impact loan against property and home loans.
  • 2019-08-09 : Oriental Bank of Commerce reduces MCLR rates by 5 bps making it home loans cheaper
    Oriental Bank of Commerce (OBC) has slashed its Marginal Cost of Funds Based Lending Rate (MCLR) by 5 basis points, making its home loans and mortgage loans cheaper. The lender has reduced a one-year MCLR rate to 8.55%, earlier the rate was 8.65%. For one-month and three months, the rate has been revised to 8.20% and 8.35% respectively. The rates are effective from August 10, 2019.
  • 2019-07-23 : Oriental Bank of Commerce’s Q1 net profit at Rs. 112 crores on better asset quality
    Public sector lender, Oriental Bank of Commerce has posted a net profit of Rs. 112 crore on the back of better asset quality and fewer provisions. The lender also has plans to achieve significant growth across its retail loan segment, including home loans and fixed deposits.
  • 2019-07-11 : OBC retail loans to get cheaper, lender slashes its MCLR rates by 5-10 bps across various tenures
    The retail loans offered by Oriental Bank of Commerce (OBC) will get cheaper now as the lender has reduced its Marginal Cost of Funds Based Lending Rate (MCLR) by 5 to 10 basis points across various tenors with immediate effect. The lender has reduced the one-year MCLR to 8.65% as against 8.70% earlier. While for one month and three months, the rate stands at 8.25% and 8.45% which is down by 10 basis points and 5 basis points from earlier rates. The rates are effective from July 11, 2019.
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