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The HDFC home loan statement is an official document containing essential information about the loan. It serves as a crucial document for monitoring and tracking your loan repayments. It provides a record of your: 

  • Loan repayment history

  • Outstanding balance

  • Particulars regarding missed payments

  • Prepayments

Moreover, your HDFC housing loan statement includes other key information, such as:

  • Your home loan amount 

  • The interest rate on your home loan

  • EMI amount of your home loan

  • Instalments paid and outstanding on your home loan

The HDFC Bank home loan statement is provided to the borrower at the start and end of each financial year. Additionally, you can get it online too, and the process is fairly simple. Read on to know more.

How to Download HDFC Housing Loan Statement?

You can download the HDFC home loan statement online from the comfort of your home as the lenders offer this facility. The process is quick and simple, and you can get your HDFC home loan statement online in minutes. 

Here are the quick steps to initiate the HDFC home loan statement download. 

  • Step 1: Log in to the your HDFC Bank internet banking account

  • Step 2: Go to the loans section, and enter your loan account number 

  • Step 3: Verify your entry and submit the information

  • Step 4: Wait to receive your e-statement via email

After making your selection, you will receive a confirmation message about the successful submission of your HDFC home loan statement request. 

Alternatively, you can visit either of the following links to get the required information: 

If you choose the internet banking option, you will receive the certificate instantly on your provided email ID. Alternatively, you can get a hard copy of your HDFC home loan statement by visiting the branch.

How to Get HDFC Home Loan Statement Offline?

You can get your HDFC home loan bank statement offline by personally visiting the nearest HDFC home loan office. To get a hardcopy of your HDFC bank housing loan statement, follow some simple steps:

  • Step 1: Visit the HDFC Ltd. branch nearest to you.

  • Step 2: When you visit the office, the first step includes filling up a form. Request the appropriate form for the HDFC home loan statement, interest certificate, or provisional interest statement from a representative at the HDFC office.

  • Step 3: Complete all the necessary details and information in the form, which includes your home loan account number, birth date, email address, etc.

  • Step 4: After filling out the form, submit it along with copies of the required documents. You can ask the HDFC representative for the list of required documents. Generally, these documents include your PAN card, Aadhaar card, passport, and any other identification proof. 

Why is the HDFC Home Loan Statement Required?

The HDFC bank housing loan statement provides various benefits, making your housing loan experience smooth and comfortable. Read on.

1. Helps keep track of loan and repayment

A crucial benefit of the HDFC home loan statement is that it provides a clear picture of your loan and the repayment progress. It provides information such as:

  • Home loan amount 

  • Start and end date of your loan repayment 

  • Home loan Interest rate 

  • Total home loan amount repaid  

  • EMI amount 

  • Total home loan amount remaining

This helps you keep track of your home loan and the loan repayment structure. It assists you in paying attention to your home loan payments. This can help protect from discrepancies or reporting errors.  

2. Acts as a payment proof

Another benefit of the HDFC home loan statement is that it acts as proof of payment which you have done on your home loan. Sometimes, even after the home loan repayment from your side, your repayment might not get updated in the records of the lender. 

In case of such errors or other discrepancies, the HDFC housing loan statement can provide clear proof of your home loan repayment. Remember, getting such errors corrected is necessary to avoid hassles in the future.

3. Assists in getting tax benefits

The HDFC Home Loan statement holds great importance when it comes to getting income tax benefits. Your Home Loan repayment qualifies for the following tax exemptions:

  • Deduction of up to ₹1.5 Lakhs on the repayment of the principal amount, according to the Section 80 C of the Indian Income Tax Act

  • Deduction of up to ₹2 Lakhs on the interest paid on your loan, according to the Section 24(b) of the Indian Income Tax Act

It serves as a crucial document for claiming tax rebates on your home loan by clearly showing your payments. While filing your tax, this document provides the necessary information about your loan, which is required as proof for availing tax benefits.

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.

FAQs About the HDFC Home Loan Statement

When do you require your HDFC home loan statement?

Your HDFC home loan statement is required to keep track of your payments, monitor your repayment progress and to avail tax benefits on your home loan.

How to track HDFC home loan application status?

You can track your HDFC home loan application status by utilising the following service offered by the HDFC Bank. 

Link: leads.hdfcbank.com/applications/misc/LST/loantracker.aspx. 

Simply fill in the loan details and click on “SUBMIT” to proceed.

When do I need the HDFC home loan interest certificate?

The HDFC home loan interest certificate provides a record of the interest payments on your home loan. Along with keeping track of your payments, it helps you in getting tax benefits on the interest paid on your housing loan.

Where can I get a HDFC home loan statement?

HDFC provides you with the facility of getting your HDFC home loan statement both- online and offline. You can get it online by visiting the HDFC official website or offline by visiting the HDFC office nearest to you.

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