BAJAJ FINSERV DIRECT LIMITED

IDBI Bank Home Loan Statement

Learn how to get the loan statement and Provisional Interest Certificate from IDBI Bank.

Max. Tenure

32 Years
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Lending Partners

10+
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Max. Amount

₹15 Crores

What is the IDBI Bank Home Loan Statement

The statement is an official document that provides key details of your home loan. It serves as an important tool to help you monitor and track your repayment. The statement can be accessed conveniently through both online and offline channels.

The statement serves multiple purposes and provides essential information about your loan account, including: 

  • Offers a record of your loan repayment history

  • Provides information about the outstanding balance

  • Highlights any missed payments

  • Includes details about prepayment

  • Aids you in claiming income tax benefits 

  • Supports future financial planning 

What are the Details Included in the IDBI Bank Home Loan Statement

The statement summarises all the key financial details related to your loan. It allows you to track payments, understand the split between principal and interest, and check applicable charges. It includes:

  • Outstanding loan balance

  • Applicable interest rate

  • EMI amount and due dates

  • Payment history with principal and interest components

  • Loan tenure, start date, and maturity date

  • Records of part-prepayments

  • Any additional charges or fees

Benefits of the IDBI Bank Home Loan Statement

Track Repayments

Monitor the amount already repaid and the outstanding balance. This allows you to track your loan progress with accuracy and clarity.

Plan Future Payments

Use the IDBI Bank Home Loan Statement to design a repayment strategy that suits your financial capacity. It also helps you ensure timely instalments and avoid penalties.

Manage Finances Efficiently

Regularly checking the statement gives you a clear picture of your loan obligations. This enables you to manage your income and expenses more effectively.

Identify Prepayment Opportunities

Recognise opportunities to make advance payments and reduce your loan burden. Doing so can lower your total interest liability over time.

Maintain Clear Records

Keep a reliable record of your loan details for future reference. The statement also acts as valid proof for tax and financial documentation.

Convenient Access

You can easily download or request the statement whenever required. It is available through IDBI Bank’s digital platforms and branch offices.

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How to View and Download the IDBI Bank Home Loan Statement Online

Thanks to digital banking, getting your home loan statement is both quick and convenient. The IDBI Bank Home Loan statement online download process is quick and simple, and may be completed within minutes. You can choose from multiple online methods depending on your preference.

Internet Banking

  • Step 1: Visit the IDBI Bank website and log in with your credentials
  • Step 2: Click on the ‘ACCOUNTS’ tab, select ‘OPERATIVE ACCOUNT STATEMENT’, and click ‘GO’
  • Step 3: Enter the period of the statement, and set filters if needed
  • Step 4: Choose the file format (PDF, Excel, or on-screen display) and click on ‘Statement’
  • Step 5: Scroll to the bottom and save the file to your system

Monthly Email Statement

  • Step 1: Register your email ID at the nearest IDBI Bank branch or by calling phone banking from your registered mobile number
  • Step 2: Once updated, you will start receiving monthly statements directly in your inbox

IDBI Bank m-Passbook App

  • Step 1: Download the IDBI Bank m-Passbook App from the Play Store or App Store
  • Step 2: Register using your Customer ID and mobile number
  • Step 3: Log in with your m-Passbook PIN and view all linked accounts
  • Step 4: Select your home loan account and choose the statement period
  • Step 5: Fetch the PDF statement and save it for your records

Go Mobile+ App

  • Step 1: Open the Go Mobile+ app and log in
  • Step 2: Go to the ‘REQUESTS’ tab and select ‘Statement by Email’
  • Step 3: Enter the period required and confirm the request
  • Step 4: The statement will be delivered to your registered email within 24 hours

Phone Banking

  • Step 1: Call IDBI Bank’s phone banking and connect with an executive
  • Step 2: Place a request for your home loan statement
  • Step 3: The statement will be sent to your registered email within 48 working hours (charges may apply based on your account type)

Why is IDBI Bank Home Loan Statement Required?

The IDBI Bank home loan account statement offers numerous advantages, ensuring a seamless and convenient housing loan journey. 

The important information you get through the IDBI Bank home loan statement includes:

  • Total loan amount, loan tenure, and applicable home loan interest rate

  • Outstanding loan amount, remaining term, and applicable interest rate

  • Amount of the loan that has already been repaid

  • EMIs paid and the remaining EMIs to be paid

  • Tax certificate for income tax purposes

  • Loan start date, loan end date, and upcoming EMI payment date

Simply put, the IDBI Bank home loan statement is a vital document for taxation purposes, as well as for understanding your loan better. Without it, you can’t provide proof of payment when claiming tax deductions. 

Similarly, if you need to rectify issues with your credit report or with any other financial body, you will require the statement. These are just a few reasons why you need the statement, and you should know how to access it without any issues. 

In case you need to switch your home loan account to a lender offering competitive interest rates, you can opt for a home loan balance transfer at Bajaj Markets. Compare  various loan options available using a home loan EMI calculator before zeroing in on a specific lender.

IDBI Bank Home Loan Login - Easy Steps to Access the Online Portal

IDBI Bank’s internet banking platform provides secure, 24/7 access to your home loan account. You can check account details, view repayment history, and download statements. It is equipped with advanced encryption ensuring the safety of your data. Here’s how you can access your home loan account:

  1. Go to the official IDBI Bank internet banking website to start the login process
  2. Provide your Customer ID and password to access your account securely
  3. Once logged in, open the ‘Accounts Services’ menu
  4. Choose your home loan account from the list to access detailed information
  5. Check repayment details, track outstanding balances, or download the statement for your records

If you have not registered for internet banking, you can activate it easily by following these steps:

  • Contact Phone Banking

Call IDBI Bank’s toll-free phone banking numbers to place a request for internet banking.

  • Visit the Nearest Branch

Submit a request form at your nearest IDBI Bank branch for activation.

  • Receive Assistance

A bank representative will contact you to complete the process and provide your login credentials.

How to Download the IDBI Bank Home Loan Provisional and Final Interest Certificate Online

You can obtain your provisional or final home loan interest certificate from IDBI Bank without visiting a branch. The bank offers different digital options, making it simple to access the document in just a few steps.

Website

  1. Visit the official IDBI Bank website and go to ‘Hassle Free Loans’

  2. Enter your Customer ID, Loan Account Number, Date of Birth, and PAN

  3. Select whether you need a provisional or final certificate

  4. Download and save the certificate to your device

Internet Banking

  1. Log in to your internet banking account and click on ‘ALL ACCOUNTS’

  2. Under Account Services, select ‘Account Statement’

  3. Choose the period, select the format, and submit to generate the certificate

Email Channel

  1. Ensure your email ID is registered with IDBI Bank records

  2. Write to customercare@idbi.co.in from your registered email, mentioning your loan account number and the required document

  3. Receive the certificate as an attachment in the bank’s reply

How to Get an IDBI Bank Home Loan Statement Offline

If you prefer in-person banking or do not have access to online services, you can request your IDBI Bank Home Loan statement offline. Simply visit your nearest branch to initiate the process. The procedure is straightforward but may vary slightly depending on the branch.

  • Step 1: Visit the nearest IDBI Bank branch
  • Step 2: Request a home loan statement; you may need to fill out a Loan Statement Request Form or write a letter with your loan account details
  • Step 3: Provide the required information, such as your loan account number, and submit a valid government-issued photo ID for verification
  • Step 4: After processing, the bank will issue your statement
  • Step 5: Collect the printed statement from the branch or receive it via your registered email, as per bank procedures

Conclusion

Regularly reviewing your IDBI Bank Home Loan Statement helps you track repayments, plan finances, and manage your loan effectively. If you are considering lowering your interest burden, you can explore a home loan balance transfer on Bajaj Markets. 

Before making a decision, use a home loan EMI calculator to compare options and choose a repayment plan that suits your financial goals.

Disclaimer

The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs About the IDBI Bank Home Loan Statement

When is an IDBI Bank Home Loan Statement necessary for you?

The IDBI Bank Home Loan Statement is essential for tracking payments, monitoring repayment structure, and claiming tax benefits. It also serves as a financial record to ensure proper loan management and repayment planning.

The IDBI Bank Home Loan interest certificate is required to track the interest payments of your home loan. It also helps you claim tax deductions on interest paid under Section 24(b) of the Income Tax Act.

You can access your IDBI Bank Home Loan Statement both online and offline. Options include internet banking, mobile apps, phone banking, email, and visiting the nearest IDBI Bank branch.

Yes, you can download a provisional certificate directly from the IDBI Bank website. You can do this by entering your Customer ID, Loan Account Number, Date of Birth, and PAN without logging into internet banking.

IDBI Bank does not provide provisional interest certificates via text message. You can request the certificate through phone banking by authenticating yourself with your Customer ID and TPIN or Debit Card details.

You can find your Home Loan Account Number (LAN) on official loan documents, previous statements, or by contacting the bank. It may also be available through internet banking portals or mobile banking apps.

No, the IDBI Bank Home Loan statement is updated monthly and reflects all transactions up to the last day of the previous month. You can request the latest statement via email or phone banking if needed.

Yes, statements for previous financial years can be requested via internet banking, the official website, or by visiting your branch. These statements are useful for record-keeping and tax purposes.

NRIs can access their home loan statement remotely through internet banking or the Go Mobile+ app. Alternatively, they can request it via email or seek assistance from customer care.

You can download your statement using the IDBI Bank m-Passbook app or the Go Mobile+ app. Log in, select your home loan account, choose the statement period, and download the PDF.

Yes, the statement includes all repayments, including EMIs, part-prepayments, and lump-sum payments. This allows you to track reductions in principal and interest obligations.

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