✓ Home Loan from ₹2 Lakhs to ₹15 Crores ✓ Interest Rates Starting @ 8.50% Apply Now

What is a Home Loan Account Statement?

Banks and financial institutions issue home loan statements to their customers, which comprise key data regarding the home loan. 


A home loan statement is a detailed document mentioning the terms of the housing loan that have been mutually decided between a lender and the loan borrower. It contains information related to the loan, such as:

  • Home loan balance 

  • Home loan EMIs to be paid 

  • Monthly instalments paid until now

  • Applicable interest rate 

  • Penalty charges on missing any instalments

  • Start and end date of the tenure 


You can generate this statement at the beginning and end of the financial year. This is when you can get an updated version of the home loan statement with the outstanding loan amount and the pending EMIs. 

Key Highlights of a Home Loan Statement

You can use your home loan account statement to manage your finances in many ways. Here are some ways to utilise it:

  • Helps in planning finances for the future 

  • Act as proof of your repayment thus far 

  • Helps you get tax deductions

How to Download a Home Loan Statement?

To download your housing loan statement online, visit the website of the bank or NFBC from where you availed of the loan. You can follow these steps to download your home loan account statement.

  • Step 1: Visit the website of the lender

  • Step 2: Log in to your account using your credentials

  • Step 3: Select Home Loan Statement section from the menu

  • Step 4: Enter your housing loan details to generate a home loan statement


As soon as you enter the details, your housing loan statement will appear on your screen. You have the option to read it online, print your home loan statement, or download an e-copy to your device. 


Make sure you refer to this document at least once a year, and use it to avail of home loan tax benefits when you file your returns. Check to see that your home loan payments and prepayments are correctly tracked in this statement as well. 

FAQs on Home Loan Statement

Since the home loan statement comprises all your home loan details, it helps you check your loan EMI and outstanding amount. You can also plan your finances using the details mentioned in it and calculate your total annual payable amount for tax calculations.

You may use your statement to get home loan tax benefits as well. In addition, you can use the home loan statement to apply for other types of credit. As the statement serves as proof of your repayment ability, you can use it to get pocket-friendly loan offers.

Banks and non-banking financial companies will provide you with a copy of your home loan statement annually. However, you may request a statement offline or check it online whenever required.

Yes, prepayments reduce your outstanding home loan balance. Thus, these will be recorded in your home loan statement, which will have revised data after you prepay.

Yes, your home loan statement will indicate if you have availed a loan at a floating or fixed home loan interest rate.

Loan Offer
Download App
Credit Score