When do you require your ICICI Bank home loan statement?

You will need your ICICI Bank home loan statement when you have to claim tax deductions on your income, when you need to apply for any other loan or simply to understand the breakup of your home loan and how much is left to be paid off to the bank. Additionally, your home loan statement is also a proof of payment for your current home loan with the bank.

When do I need a home loan interest certificate?

If you are applying for another loan, then banks usually demand for the home loan interest certificate. This certificate helps them gauge the loan-to-value ratio of the loan applicant. Along with the interest certificate, banks also ask for the home loan statement. The home loan interest certificate is also needed when the borrower has to claim tax benefit during the Income Tax Return filing.

ICICI Home Loan Statement

Q: How to track ICICI home loan application status?

You can track your ICICI home loan application status by entering your form or reference number on ICICI Bank’s official website. Simply go on the ‘Personal Banking’ section and select the home loan tab. Here you can choose the ‘Track my Status’ option and enter your form number or reference number. However, if you don’t have the reference number then you will need to provide other details like your PAN, Date of Birth, name, loan amount, etc, to track your home loan application status.

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Once you opt for a home loan, your lender issues you a home loan statement. This document records the amount of loan you have repaid and the outstanding balance. Here are some details that the home loan statement includes:

Details of the borrower
Details of the home loan account
Applicable rate of interest during the financial year
Amount of every Easy Monthly Instalment (EMI) paid in the financial year
Breakdown of the financial year’s principal and interest amount for the home loan
Pre-payment details, if applicable
Total home loan amount repaid to date
Outstanding home loan amount

For example, in the case of a housing loan, your ICICI Bank home loan statement will provide a summary of all the details mentioned above.

How to Download the ICICI Bank Housing Loan Statement?

It is easy to access home loan statements as most banks have digitised their home loan processes. In fact, lenders email these statements to the loan applicants from time to time.

However, you can also log in to the bank’s website or app and download the ICICI Bank home loan statement. To download your ICICI Bank loan statement, have your net banking credentials ready.

Follow these quick steps to check and download your ICICI Housing Loan statement online:

Step 1- Login to the official ICICI Bank net banking website by visiting this link - https://www.icicibank.com/Personal-Banking/insta-banking/internet-banking/index.page.
Step 2- Type in your username and password to log in
Step 3- Now select ‘E-statement’
Step 4- If multiple account numbers show up in the drop-down menu, select the one linked to your home loan
Step 5- Select the period for which you need the home loan statement
Step 6- Click on the ‘PDF’ option to generate your home loan statement

How to Get the ICICI Bank Home Loan Statement Offline?

If you want a physical copy of the ICICI Bank Home Loan statement, getting it offline is also an option. You can visit the nearest ICICI Bank branch and contact a relationship manager.

To get your home loan statement, you will have to provide the loan account number, PAN, registered mobile number, etc. The relationship manager will help you with a printed copy of the provisional certificate of your housing loan.

Why is the ICICI Bank Home Loan Statement Required?

A home loan statement is essential for applicants for various purposes. Here are some of the uses of a home loan statement:

With the help of an ICICI Bank loan statement, applicants can claim tax deductions for every financial year. This document specifies the principal and interest amount you and/or your co-applicant have to pay to the bank yearly.
If an applicant wishes to apply for any other loan, they will need to submit their ICICI Bank Home Loan statement. This acts as proof of closure of the previous loan.
The home loan statement can also help you clearly understand the breakup of the principal and interest component of the home loan.
With the ICICI Bank Home Loan statement, you can also know how much loan you have paid and the remaining balance.

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You will need your ICICI Bank Home Loan statement when you have to claim tax deductions on your income. It also comes in handy when you need to apply for any other loan or understand your home loan’s breakup.

In addition, it also helps you ascertain how much amount needs to be paid back to clear your loan entirely. Moreover, your home loan statement is also a proof of payment for your current home loan with the bank.

You can track your ICICI Bank Home Loan application status by entering your form or reference number on the ICICI Bank’s official website. Go to the ‘Personal Banking’ section and select the home loan tab.

Here, you can choose the ‘Track my Status’ option and enter your form or reference number. However, if you do not have the reference number, you will need to provide other details. These include your PAN, date of birth, name, loan amount, etc., to track your home loan application status.

Banks usually demand a home loan interest certificate if you apply for another loan. This certificate helps them gauge your debt-to-income ratio. They also ask for the interest certificate along with the home loan statement.

You also need a home loan interest certificate when you have to claim tax benefits during the Income Tax Return filing.

To get a physical copy of the ICICI Bank Home Loan statement, you will have to pay ₹150 plus applicable taxes.