SBI Home Loan Statement: How to Check and Download SBI Loan Statement?

An SBI home loan statement is a detailed record of a borrower’s loan account. It shows EMIs paid, pending dues, interest details, and repayment schedule. This statement is vital for tax deduction claims, loan tracking, prepayment planning, and refinancing. Customers can easily check or download SBI home loan statement online through net banking or collect it offline from an SBI branch.

Key Highlights:

• Can be downloaded instantly as a PDF via SBI Net Banking
• Accepted as proof for tax deductions under Sections 80C and 24(b)
• Only the applicant or co-applicant can request a physical copy

What is SBI Home Loan Statement?

An SBI home loan statement provides all the information related to a home loan. It will help you check your home loan repayment status. The SBI home loan statement can be downloaded anytime by logging into SBI net banking account or by visiting the bank. This certificate is helpful for income tax purposes. 

An SBI home loan statement will contain the following details:

• Repaid loan amount
• Total loan amount, interest rate and tenure
• Outstanding loan, term and interest
• Paid and outstanding EMIs
• Date of start of the loan and end date of loan

How to Download SBI Bank Housing Loan Statement Online?

SBI home loan customers can follow these steps for SBI home loan statement download:

Step 1: Sign in to the SBI Net Banking portal using your user ID and password.

Step 2: Click on ‘e-Services’, select ‘My Certificates’. 

Step 3: Click the ‘Home Loan Int. Cert.(Prov)’ option.

Step 4: Select your home loan account for which you want to get a statement.

Step 5: Now you can either view your certificate/statement or print it; you can also download the same as a PDF file.

SBI Home Loan Statement Certificate Physically

If you want to get your SBI home loan statement certificate physically, you have to call SBI customer care at one of the following toll-free numbers:

• 1800 2100
• 1800 1234
• 1800 425 3800
• 1800 11 2211

Alternatively, you can call this toll number- 080-26599990 to contact customer care. Then, request the bank representative to send you a physical home loan statement. You can also visit your nearest SBI branch to request a physical statement.

How to Get SBI Bank Home Loan Statement Offline?

To get an offline SBI home loan statement, follow these steps:

Step 1: Visit your nearest SBI branch. Go to the loan section and ask the loan officer to give you the physical loan statement. 

Step 2: Fill out the required details on the form, including your name, address, email ID, date of birth, home loan account number, PAN card and other relevant details, and submit it to the counter. 

Step 3: Attach the required documents, such as PAN card, passport, Aadhaar card, etc., with the form and submit it to the bank.

Keep in mind that only a loan applicant and his/her co-applicant can get this certificate by visiting an SBI branch. No one else can collect the loan account statement on your behalf.

Why is SBI Bank Home Loan Statement Required?

An SBI home loan statement is not just a record of repayments but a key financial document that serves multiple purposes:

• Tax Benefits: Provides proof of principal and interest payments, which are required for claiming deductions under Sections 80C and 24(b) of the Income Tax Act.
• Loan Tracking: Helps borrowers track EMIs paid, outstanding balance, and interest outgo, ensuring better financial planning.
• Prepayment Planning: By knowing the pending balance and interest breakup, customers can decide on partial prepayments to reduce tenure or interest burden.
• Proof for Other Loans: Acts as an official record of loan repayment history, improving eligibility when applying for future loans or refinancing.
• Transparency: Ensures clarity between the borrower and the bank by showing the exact status of the loan at any point in time.

Final Word

The SBI home loan statement gives borrowers full clarity of their repayment history, outstanding dues, and interest payments. Customers can download the SBI home loan statement online through net banking or request a physical copy via customer care or at the branch. Regularly reviewing your loan statement ensures timely tax claims and helps manage your home loan efficiently.

Similar Articles:
1. Axis Bank Home Loan Statement
2. HDFC Home Loan Statement
3. IDBI Bank Home Loan Statement

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