20,00,000 people visited this section in last 30 daysApply Online

Get Cashback of Upto ₹ 1,000* on Home Loan Apply Online

MyLoanCare Customer Ratings - 4.5/5.0 Apply Online

Home Loan Statement

Home Loan Provisional Certificate

Last Updated 24th Jan 2022

  • A home loan statement is the summary of the amount paid for a home loan in a financial year.
  • It contains information like borrowed loan amount, amount paid, and outstanding loan amount and home loan EMIs to be paid by the borrower.
  • Banks also issue home loan statements at the beginning of the financial year, which is known as a home loan provisional certificate.
  • Housing loan certificates and provisional certificates can be obtained online and offline.
  • A house loan statement is required to claim tax deductions.
Apply for Home Loan @ 6.50%* Get upto ₹ 1,000* Cashback

Home Loan Statement of Top Banks

Bank Home Loan Statement Track Statement
SBI +91-9223866666
SMS ELI <space> <Account Number> <space> <code> to +91-9223588888
HDFC 1800-270-3355
Send Txn <Last 5 digits of A/C no.> to 5676712
ICICI Bank 1800-200-3344
Send SMS IINT <space> 16 Digits of Loan Account Number to 5676766 or +91-9215676766
Axis Bank 1800-419-6969
Type MINI <space> <account number> to +91-9717000002 or 5676782
LIC Housing Finance 011-43524583/84
IDBI Bank 1800-843-1133
Send STM CUSTOMERID PIN FROM-DATE-TO-DATE ACCOUNT NUMBER to +91-9820346920 or +91-9821043718
UCO Bank +91-9210222122 https://apps.ucoonline.in/LOANCERT/loanInputForm.jsp

What is a Home Loan Statement?

A home loan statement is a summary of a home loan account provided by the lender. It contains details about the amount of interest and the principal amount of home loan to be paid for the given financial year.

A home loan statement has the following components:

Statement Period: The statement period of a home mortgage statement provides information about the duration of a home loan for which the transactions are shown in statements.

Transaction Activity: It displays information about any fees or penalties if any, during the tenure of the loan.

Due Amount: It specifies the outstanding amount on the home loan.

Unpaid Principal Balance: The outstanding part of the home loan amount is also mentioned on the home loan statement.

What is a Home Loan Provisional Certificate?

Banks and financial institutions provide a home loan provisional certificate, which is issued at the beginning of the fiscal year, indicating the amount payable towards the home loan for that year.

How to get Home Loan Provisional Interest Certificate Online?

A housing loan statement or a provisional interest certificate for a home loan can be obtained easily online.

  • Visit the official website of a lender.
  • Login to your account using your home loan account number, date of birth, loan amount and EMI amount.
  • Click on Home Loan Statement.
  • You can get a home loan certificate for income tax using the mobile app of the lender.

How to get a Home Loan Statement Offline?

To get a home mortgage statement offline performing the following steps:-

  • Visit the nearest bank branch.
  • Ask the bank executive for a home loan statement.
  • To get a statement you will be required to have a loan account number, PAN, Date of Birth etc.

Why are Home Loan Statements Required?

A housing loan certificate can be used to do the following activities -

  • To keep a regular check on home loan activities. With the statement you can know about the upcoming EMI’s, outstanding loan amount etc.
  • It helps in getting loan in future as it acts as a proof of repayment.
  • These statements are also essential for claim tax deductions if you want to avail deductions on home loan.
    • Under Section 80C of the Income Tax Act, you can claim tax deductions upto ₹ 1,50,000 on the principal amount of the home loan.
    • You can get tax deductions up to ₹ 2,00,000 on the interest paid on the home loan under Section 24 of the Income Tax Act.
    • Also, for let out property there is no upper limit set by the government for deductions.
    • One can only claim deductions for maximum ₹ 2,00,000 under the head of House Property.
  • Amount paid on stamp duty, and registration charges of a home loan can also be claimed for tax deductions.


How can I check my home loan balance?

You can check your home loan balance by getting the housing loan certificate via online or offline mode. To know about home loan balance online, you need to install the mobile application of the bank, or you can access the official website of banks. Banks also provide information on home loans through customer care number and on registered email id.

How can I download my home loan from a provisional certificate?

A Home loan provisional certificate can be downloaded from the official website of the bank or the mobile application of your bank. To download the statement you must have a login id and password issued by the bank.

What is a provisional home loan certificate?

The home loan provisional certificate is another name of home loan statement issued at the beginning of the financial year indicating the amount payable for the year.

How do I download my bank statements?

The bank statements of the home loan can be downloaded by logging in to the home loan account on the respective bank website. To get the bank statements, you would require details about home Loan account number, date of birth, account number, loan amount and EMI amount.

How to understand home loan statement?

Home loan statement has four components: namely statement period, transaction activity, due amount, and unpaid principal balance. Statement period reflects the duration of the home loan and how many EMIs are paid. Transaction activity reflects if there are any penalties, due amount shows outstanding balance.

How do I get my home loan statement?

You can get a home loan either online or offline. If you wish to get it online you can visit the official website of a lender. Also, you can visit a nearest bank branch of your lender and ask an executive for the same.

How does a home loan statement help you to save tax?

If you wish to claim tax deductions on home loan then you need to show the housing loan certificate. You can claim deductions upto ₹ 1,50,000 on the principal amount of the home loan and up to ₹ 2,00,000 on interest amount under section 80 C of Income Tax Act.

Notification ×
  • Home Loan

    Home Loan at all-time low rates starting at 6.50%. Cashback of up to ₹ 1,000

    Apply Now
  • Personal Loan

    Instant Personal Loan starting at 10.25% with Cashback of up to ₹ 1,000.

    Check Offers
  • Gold Loan

    Instant Gold Loan starting at 9.00% with Cashback of up to ₹ 500

    Apply Now
  • Loan Against Property

    Best Loan Against Property Offers starting @ 6.90%. Cashback of up to ₹ 1,000*.

    Apply Now
  • Business Loan

    Collateral Free Business Loan Rates starting at 14.00% with Overdraft facility.

    Apply Now
  • Fixed Deposit

    AAA rated FDs with returns as high as 7.05%.

    Invest Now
Home Loan News - Jan 2022
  • 2022-01-21 : Properties to Get Costlier in Gurgaon as New Circle Rates Come into Effect
    The circle rates have been hiked for Golf Course Road, Golf Course Extension Road, Sohna Road, and Dwarka Expressway projects. As a result, homebuyers will have to shell out more money to purchase property, particularly in some upscale areas.
  • 2022-01-21 : PNB Housing Finance Announces Net profit for Q3
    PNB Housing Finance Limited (PNBHFL) has reported a 19 per cent decline in net profit for the quarter ended December 31, 2021, at ₹188 crores compared to ₹232 crores recorded in the same quarter in the previous fiscal.
  • 2022-01-20 : PFC and REC Reduce Lending rates
    The State-run PFC and REC have reduced their lending rates across all types of loans by 40 basis points (bps). The move will help power utilities raise loans at cheaper rates. Also, the power sector non-banking financial companies (NBFC) have already been offering short term loans at a 6.25 per cent interest rate.
  • 2022-01-20 : Union Lenders Approves Reimbursement Amount of ₹974 cr for Pandemic Loan Moratorium.
    The Union Cabinet has approved a sanction of ₹973.74 crores for lenders to reimburse the loan moratorium. Earlier, on March 27, 2020, the Reserve Bank of India (RBI) had announced a loan moratorium on payment of instalments of term loans falling due between March 1 and May 31, 2020, due to the pandemic, which was extended to August 31.
  • 2022-01-19 : Bajaj Home Finance Revises Home Loan Interest Rates
    Bajaj Home Finance has decreased home loan rates, and as a result, you can avail of a home loan at the lowest rates starting at 6.65%.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
Please wait while your information is being processed...