SBI Home Loan Statement & Provisional Interest Certificate

The State Bank of India (SBI) offers customers an online portal through which they can acquire their home loan statements or Provisional Interest Certificate. This is a quick and convenient way for SBI customers to obtain the necessary information they require, without leaving the comfort of their home.  

What is a Home Loan Statement 

A home loan statement is a document that provides comprehensive information about your home loan, allowing you to monitor your repayment status. For SBI home loan customers, this statement, also known as a home loan certificate, can be downloaded at any time through the SBI net banking account or by visiting your nearest SBI branch. This certificate is particularly useful for income tax purposes. An SBI home loan statement includes the following details: 

  1. Repaid loan amount 
  1. Total loan amount, interest rate, and tenure 
  1. Outstanding loan amount, term, and interest 
  1. Paid and outstanding EMIs 
  1. The start date and the end date of the loan 

SBI Home Loan Statement Certificate Online 

SBI home loan customers can download or view their loan account statement certificate by following these steps: 

  1. Step 1: Sign in to the SBI Net Banking portal using your user ID and password. 
  1. Step 2: Click on 'e-Services' and select 'My Certificates'. 
  1. Step 3: Click on the 'Home Loan Int. Cert.(Prov)' option. 
  1. Step 4: Select your home loan account for which you want the statement. 
  1. Step 5: You can now view, print, or download the certificate or statement as a PDF file. 

SBI Home Loan Statement Certificate Offline

  1. Call SBI customer care toll-free at: 1800 2100, 1800 425 3800, 1800 1234, or 1800 11 2211.
  1. You can also call the landline number: 080-26599990.
  1. Request the customer care executive to send a physical copy of your home loan statement.
  1. Alternatively, visit your nearest SBI branch for an offline request.
  1. Go to the loan section and ask for a home loan statement.
  1. Fill out the required form with details like your name, loan account number, PAN, email, and address.
  1. Submit the form at the counter.
  1. The bank will process your request and provide the statement.
  1. This method ensures you get an official, physical loan statement.
  1. Useful for IT returns, loan tracking, or legal proof of loan details.

Attach Required Documents

  1. Attach necessary documents like PAN card, Aadhaar card, passport, etc., along with the request form.
  1. Submit the form and documents at the nearest SBI branch.
  1. Only the loan applicant or co-applicant is allowed to collect the home loan statement.
  1. No third party is authorized to collect the statement on your behalf.
  1. Ensure all details and documents are accurate to avoid delays in processing.

How to Download an SBI Bank Home Loan Statement

  1. Log in to SBI Net Banking using your username and password.
  1. Go to the ‘e-Services’ tab on the dashboard.
  1. Click on ‘My Certificates’ and then choose ‘Home Loan Int. Cert. (Prov)’.
  1. Select your home loan account from the list provided.
  1. Download the interest certificate in PDF format for your records.

Importance of SBI Home Loan Statement

  1. Track Repayments: Helps you monitor your repayment schedule, showing how much you’ve paid and what’s left.
  2. Plan Future Payments: Lets you plan future EMI payments and prepayments to reduce your loan faster.
  3. Stay Updated: Keeps you informed about your outstanding loan balance and payments made.
  4. Financial Planning: Provides a clear view of your loan liabilities for better money management.
  5. Easy Access: Available anytime by visiting the branch or downloading online.

Overall, the SBI home loan statement is essential for managing and planning your loan repayments effectively.

FAQs on SBI Home Loan Statement - Provisional Interest Certificate

  • How to get SBI Home Loan interest certificate offline?

    To get SBI home loan interest certificate offline, an SBI customer should visit the nearest branch and submit a written application by mentioning the necessary details. The bank will provide certificate after the verification. 

  • What is the use of SBI home loan statement and provisional interest certificate?

    For both the borrower and the lender, the SBI home loan statement and provisional interest certificate perform crucial functions. It offers a thorough account of every transaction involving your mortgage. This includes any additional payments or fees, as well as the principal and interest portions of each EMI (Equated Monthly Instalment) paid.

  • What are the benefits of having an interest certificate for an SBI home loan?

    When you file your income tax returns, the provisional interest certificate makes sure that you appropriately record your home loan interest payments. This is essential for avoiding mistakes in your tax returns and subsequent fines.  

  • Where can I download the SBI provisional interest certificate?

    You can download the SBI provisional interest certificate at onlineSBI.com. 

  • Can I download and print the SBI Provisional Interest Certificate?

    Yes, you can definitely download and take a printout of SBI Provisional Interest Certificate. 

  • How to get SBI Provisional Interest Certificate offline?

    To get the SBI Provisional Interest Certificate offline, you have to call the bank’s customer care and place a request for sending the physical copy of the statement. You can also visit the branch for the same. 

  • What is the difference between home loan interest certificate and provisional certificate?

    Financial activities, particularly those involving loans, are connected to a house loan interest certificate and a provisional certificate. A document known as a home loan certificate is one that the lender typically a bank or other financial institution provides to the borrower. A document issued by the lender before the final loan agreement is created may be referred to as a provisional certificate. 

  • How to get provisional interest certificate from SBI through SMS?

    To get SBI provisional interest certificate through SMS you need to SMS “HLI <space>Account Number<space><4-digit code of account holder's choice to encrypt the PDF>” and send it to 09223588888. 

  • Can I get home loan provisional certificate without login?

    Yes, you can get home loan provisional certificate without login by visiting the SBI branch. 

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