Keeping track of your loan statement is crucial for managing your finances, verifying payments, and ensuring there are no errors in your loan account. Whether you need it for tax filing, financial planning, or simply checking your loan balance, knowing how to download your loan statement quickly and easily is essential.
Many people struggle to find their loan statement online, as banks and NBFCs often have complicated processes or hidden options inside their portals. In this guide, we will break down step-by-step instructions to download your loan statement from different banks and financial institutions.
This blog aims to simplify the process so that you can quickly access your loan statement without any confusion.
What Is a Loan Statement?
A loan statement is an official document issued by your bank or lender that provides:
✔ Loan account details (loan number, type, and amount)
✔ EMI payment history (paid and pending EMIs)
✔ Outstanding loan balance
✔ Interest rate and tenure details
✔ Any additional charges or penalties (if applicable)
This statement is important for financial planning, tax benefits, and ensuring that your loan repayment stays on track.
Why Do You Need a Loan Statement?
Downloading your loan statement can be helpful in various situations:
✅ For tracking EMI payments: Ensure all payments are updated correctly.
✅ For tax benefits: Home loan interest payments are eligible for deductions under Section 80C and Section 24(b) of the Income Tax Act.
✅ For refinancing or balance transfer: If you want to transfer your loan to another bank, you’ll need a loan statement.
✅ For loan closure verification: Before closing a loan, it’s essential to check the final outstanding amount.
Now, let’s get into the step-by-step process of downloading your loan statement from different sources.
How to Download Your Loan Statement?
There are multiple ways to access your loan statement:
- Through Internet Banking (Fastest method)
- Using Mobile Banking Apps
- Through Email Requests
- By Visiting the Bank Branch
Below, we explain each method in detail.
1. Download Loan Statement via Internet Banking
Almost all major banks and NBFCs provide loan statements online via internet banking.
Steps to Download Loan Statement via Bank Website:
1️⃣ Login to Net Banking:
- Go to your bank’s official website.
- Click on the Net Banking or Login option.
- Enter your User ID and Password (OTP may be required).
2️⃣ Go to Loan Section:
- Navigate to the Loan Accounts or My Loans tab.
3️⃣ Select the Loan Account:
- Choose the specific loan account number for which you need the statement.
4️⃣ Download Statement:
- Click on ‘Download Loan Statement’
- Select the date range (e.g., last 6 months or full statement)
- Choose the format (PDF or Excel) and click Download
✅ Example: To download a Home Loan Statement from ICICI Bank, visit the ICICI Net Banking Portal and follow the above steps.
2. Get Loan Statement via Mobile Banking App
Most banks and NBFCs offer mobile banking apps that allow easy access to loan statements.
Steps to Download via Mobile App:
1️⃣ Open your bank’s official app (ICICI, HDFC, SBI, Bajaj Finserv, etc.)
2️⃣ Login using your credentials (User ID, Password, or OTP)
3️⃣ Click on Loan Section
4️⃣ Select the specific loan account
5️⃣ Tap on Loan Statement
6️⃣ Choose the period and download it as a PDF
✅ Example: Downloading an HDFC Loan Statement via their app takes less than 1 minute following the above steps.
3. Get Loan Statement via Email Request
If you do not have online access, you can request your loan statement via email.
Steps to Request Loan Statement via Email:
1️⃣ Write an email to your bank’s customer service
2️⃣ Mention your loan account number and request a detailed loan statement
3️⃣ Send the email to the official customer care email ID (available on the bank’s website)
4️⃣ You will receive your loan statement within 24-48 hours
✅ Example: If you are an SBI home loan customer, you can email their support team at customercare@sbi.co.in for your loan statement request.
4. Get Loan Statement by Visiting the Bank Branch
If online options are not available, you can visit your bank branch to get a printed loan statement.
Steps to Collect Loan Statement from Bank Branch:
1️⃣ Visit your bank’s home branch
2️⃣ Carry your loan account details and ID proof
3️⃣ Request a loan statement printout
4️⃣ The bank official will generate and provide your loan statement copy
✅ Note: Some banks may charge ₹100-₹500 for physical statements.
Loan Statement Download Links for Major Banks & NBFCs
Here are the direct links to download loan statements from leading banks and NBFCs:
- ICICI Bank Loan Statement: Click Here
- HDFC Bank Loan Statement: Click Here
- SBI Loan Statement: Click Here
- Bajaj Finserv Loan Statement: Click Here
- Axis Bank Loan Statement: Click Here
These links will take you directly to the respective portals where you can download your loan statement easily.
Common Issues While Downloading Loan Statement & Solutions
❌ Issue: Forgot Net Banking Password
✅ Solution: Use the ‘Forgot Password’ option to reset it.
❌ Issue: Loan Account Not Visible Online
✅ Solution: Contact customer support and request online access activation.
❌ Issue: Unable to Download Loan Statement
✅ Solution: Try switching browsers or using the mobile app.
❌ Issue: No Internet Banking Access
✅ Solution: Register for net banking or use email request method.
