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Home Loan Statement

Home Loan Provisional Certificate

Last Updated 02nd Dec 2020

  • 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, the 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 statements and provisional certificates can be obtained online and offline.
  • A home loan statement is required to claim tax deductions.
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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
www.onlinesbi.com/personal
HDFC 1800-270-3355
Send Txn <Last 5 digits of A/C no.> to 5676712
https://online.hdfc.com/loansapps/(S(vfx5cc5plt2qic3wdw254b3h))/rptProvInt.aspx
ICICI Bank 1800-200-3344
Send SMS IINT <space> 16 Digits of Loan Account Number to 5676766 or +91-9215676766
https://nli.icicibank.com/NewRetailWeb/homeLoanStmtLoginPage.htm
Axis Bank 1800-419-6969
Type MINI <space> <account number> to +91-9717000002 or 5676782
https://retail.axisbank.co.in/
LIC Housing Finance 011-43524583/84
https://customer.lichousing.com/login.php
IDBI Bank 1800-843-1133
Send STM CUSTOMERID PIN FROM-DATE-TO-DATE ACCOUNT NUMBER to +91-9820346920 or +91-9821043718
https://icash.idbibank.co.in/LOANCERT/
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 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 has the following components:

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

It is very easy to get a housing loan statement or a provisional interest certificate for a home loan and can be obtained in the comfort of your home. To get the certificate, you simply have to visit the official website of your respective bank and login to your account. After login, enter details such as home loan account number, date of birth, loan amount and EMI amount. You can now view any document related to your home loan. You can also get a home loan interest certificate for income tax using the mobile app of your bank.

How to get a Home Loan Statement Offline?

You can get the home credit loan statement offline by visiting the nearest branch of the bank and requesting for the home loan statement to the concerned official. To get the statement, you would require details such as Loan account number, PAN, Date of Birth etc. Some banks also provide the option to get the home loan statement using the toll-free number of customer care.

Why are Home Loan Statements required?

A home loan statement can be used to do the following activities -

  • A home loan statement helps home loan borrowers to keep a regular check on their home loan activities. The borrowers can know about their upcoming home loan EMIs, due amount, the amount paid and the remaining loan tenure.
  • Home loan statements are even useful after the completion of a particular loan and it acts as a proof of repayment of the loans. Banks check the home loan statements for lending the credit in future.
  • Home loan statements are also essential to claim tax deductions. You can get the following tax deductions on a 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.
  • Amount paid on stamp duty, and registration charges of a home loan can also be claimed for tax deductions.

How to check Top Banks Home Loan Statement Online?

You can check the home loan statement or home loan provisional certificate using an internet banking facility or through the mobile application of the respective bank. Banks also provide a monthly home loan statement on the registered email id.

SBI Home Loan Statement

Home borrowers can download the SBI home loan statement by visiting the official website of SBI by following these steps:

  • Visit the online portal of SBI bank by clicking on www.onlinesbi.com/personal.
  • Login to the personal banking section of the site and enter the necessary credentials such as your username and password.
  • Next, click on the 'Enquiries' tab followed by 'Home Loan Interest Certificate (Provisional)' link.
  • You will be then redirected to select the account for which you need the home loan certificate.
  • You can now view, print or download the home loan statement in PDF form.

HDFC Home Loan Statement

If you wish to download the HDFC home loan interest certificate, follow the below-mentioned steps.

  • Visit the online portal of HDFC.
  • Enter the 'Loan Account Number and the 'Date of the birth' and click on the submit button.
  • You will be then redirected to the loan certificate page where you can view your interest certificate, home loan provisional certificate, etc.
  • You can also request to receive the home loan statement through email or post by visiting the following link https://online.hdfc.com/loansapps/(S(wn5upcgbjjovmynkvj0s1h1p))/rptITCert.aspx
  • After clicking on the link, you will be directed to the next page where you need to enter details such as the loan account number and the captcha code as displayed on the page.

ICICI Home Loan Statement

To get a home credit loan statement of the ICICI bank, visit the official website of ICICI bank and follow the below-mentioned procedure:

  • Under the Home loan tab, find the option of 'Home Loan statement'.
  • To get the home loan statement, click on 'Continue to Login'.
  • You will then be redirected to another page where you have to fill in the necessary details such as 'Home Loan Account Number' and choose any of the two options from 'Date Of Birth', 'Account number', 'Loan Amount' and 'EMI Amount'.
  • After filling the required information, click on the Submit button to view your home loan statement.

Axis Bank Home Loan Statement

To download the Axis Bank home loan statement or home loan provisional certificate, you need to install the mobile application for Axis bank and click on Loans', followed by 'Request Statement' once you login into the app. You need to select 'Interest Certificate' to get your home loan certificate. You can also download your home loan certificate through the internet banking facility of Axis bank.

LIC Housing Finance Home Loan Statement

To get a home credit loan statement of the LICHFL, visit the official website of LIC Housing Finance and follow the below-mentioned procedure:

  • Under the ˜Customer Portal section”, select the option ‘New Customers’.
  • Now, enter details such as Home Loan Account Number, Loan Amount and Date of Birth etc. and click on the ‘Submit’ button.
  • Next, enter personal details such as your Email Id and submit a new Username and Password.
  • You will now receive an activation link on your Email Id. Click on the activation link and login using the same Username and Password.
  • Next, on the left side of the screen, select the option ‘Loan Status Report’.
  • Choose the Home Loan Account Number and click on the Go button. You can view the statement.
  • To download the home loan statement, Select the "Repay Certificate" link, home loan account number and financial year.

IDBI Bank Home Loan Statement

If you wish to download the IDBI home loan interest certificate, follow the below-mentioned steps.

  • Visit the IDBI Loan Statement/ Certificate page by clicking on https://icash.idbibank.co.in/LOANCERT/.
  • You will now be redirected to a new page.
  • Next, fill in relevant details such as Customer ID, Loan Account Number, PAN Number and Date of Birth etc.
  • As you have entered all the details, click on the Submit button. You can now download the home loan statement.

UCO Bank Home Loan Statement

To download the UCO Bank home loan statement or home loan provisional certificate, you need to log in the UCO Bank Internet Banking. Next, find Account Statement Option. Finally, select the bank account and choose the period for which you want to view the home loan statement. You can now download the home loan statement.

FAQs

How can I check my home loan balance?

You can check your home loan balance by getting the home loan statement through 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 the 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 login id and password issued by the bank.

What is a provisional home loan certificate?

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

How do I download my bank statements?

The bank statements of the home loan can be downloaded by login 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.

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    Punjab National Bank launched a tech-based loan management solution called LenS-The Lending Solution. It is aimed at speeding up and maintaining accuracy in online loan processing and sanctioning of credit proposals. It will be implemented in a phased manner for all kinds of loans including MSME, agriculture, retail and other credit.
  • 2020-11-27 : DHFL posts net loss of ₹2,122.65 crore
    DHFL reported a consolidated net loss of ₹2,122.65 crores in the second quarter of the fiscal against a net loss of ₹6,640.62 crores in the same period a year ago. DHFL reported a total income of ₹2,205.90 crores backed by retail loans like home, personal, car, two-wheeler and gold loans along with mudra and business loan.
  • 2020-11-27 : ESAF Bank opens 500th branch in Ahmadabad
    ESAF Bank opens 500th branch in Ahmadabad. The bank is aiming to offers equal opportunity for the whole society through universal access. It offers retail loans like home, personal, car, two-wheeler and gold loans along with mudra and business loan.
  • 2020-11-26 : Credit growth slows to 5.8% in the September quarter
    RBI reported that the credit growth which includes retail loans like home, personal, gold, two-wheeler and car loan along with business and mudra loan decelerated to 5.8% in the September quarter from 8.9% in the year-ago period. Further, deposits which include FD and RD increased by11% year-on-year in the July-September period as compared to 10.1% growth a year ago. The share of current account and saving account (CASA) in total deposits stood at 42.3% in September 2020 compared to 41.2% a year ago.
  • 2020-11-24 : Bajaj Housing has reduced home loan interest rates to 6.9%
    BHFL lowered the home loan interest rates for new customers to fuel growth during the festive season. With an interest rate beginning at 6.9 percent per annum, homebuyers can get a loan. Homebuyers can get loans up to ₹ 3.5 crores.
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