How to Check Home Loan Balance in India [All Major Banks & LIC HFL Included]

Keeping track of your home loan balance is essential for efficient money management. Knowing your ongoing loan balance helps you keep in charge, whether you’re using it to plan your EMIs, interest management, save money on taxes, or decide whether to pay it off early.

This tutorial offers detailed procedures for checking your house loan balance with LIC Housing Finance Limited (LIC HFL) and major Indian banks. It encompasses a number of ways to keep you informed about the status of your loan, including branch visits, customer service, mobile apps, and online banking.

Easy Ways to Check Home Loan Balance in India

Keeping track of your home loan balance is now easier than ever. You may check your outstanding loan balance, EMI information, and interest payments in a number of ways from banks and other financial institutions. These are the best techniques:

1. Mobile Banking Apps

• The most up-to-date and trustworthy resource for determining your loan summary, principal balance, and interest owed.

Steps:

1. • Open the mobile banking app for your bank and log in.
   • Proceed to the “Loans” area.
   • To see your balance and other information, choose “Home Loan.”

2. Netbanking / Customer Portals

• Offers a thorough loan breakdown.
• Allows you to access/download loan statements, interest certificates, and repayment schedules.

Steps:

1. • Open the net banking portal for your bank and log in.
   • Navigate to the “Loans” area.
   • To see your balance, click “Home Loan Details.”

3. Monthly Email Statements

• Some banks (e.g., HDFC, Kotak) send automated monthly interest statements.
• Useful for salaried employees during ITR filing and tax planning.
• Check your registered email inbox for statements.

4. Customer Care or RM (Relationship Manager)

• Perfect for joint home loans or situations when online access is limited.
• You can get a loan summary by calling customer service or contacting your RM.
• Some banks also offer balance information via SMS upon request.

5. Branch Visit

• Necessary for older loans or accounts that aren’t connected to mobile or net banking.
• Bring your loan account information to your local home loan location and ask for a balance statement.

Bank/NBFC-wise Breakdown:

• For interest control, tax advantages, and EMI planning, it is crucial to keep track of your home loan balance. This is a comprehensive guide explaining how to check the balance of your house loan with LIC Housing Finance Limited (LIC HFL) and major banks.

How to Check Home Loan Balance in HDFC Ltd / HDFC Bank

1. Mobile App:

• • Open the HDFC Mobile Banking App

• • Navigate to “Loans”> “Home Loan Summary.”

2. NetBanking Portal

• • Visit HDFC Net Banking portal
  • Login with your loan account credentials
  • View/download loan balance, interest certificates, and repayment schedule

3. Email:

• • Annual loan account statements are sent by HDFC, typically in February
  • Look for these statements in your registered email inbox

4. Customer Care:

• • Dial 1800 22 4060 to request balance details

Tip: Interest certificates and payment schedules can be downloaded online

How to Check Home Loan Balance in ICICI Bank

1. iMobile Pay App:

• • Open the iMobile Pay app (https://www.icicibank.com/mobile-banking/download)
  • To view the balance, go to “Loans” and choose “Home Loan.”

2. Netbanking:

• • Open ICICI Netbanking and log in (https://www.icicibank.com/personal-banking/insta-banking/linkaccount-register).
  • Select “Loans”> “Summary” to see the remaining balance.

3. Email:

• • Monthly and annual statements can be accessed using the app or received by email.

4. Customer service:

• • For questions about balances, call 1860 120 7777.

3. How to Check Home Loan Balance in Axis Bank

1. Axis Mobile App

• • Open the Axis Mobile App (https://www.axisbank.com/bank-smart/open-by-axis-bank/get-started)
  • Go to “Loans”> Home Loan Balance

2. Netbanking → Loan Dashboard

• • Login to Axis NetBanking (https://www.axisbank.com/)
  • Navigate to “Loan Dashboard” to view balance and repayment details

3. Email:

• • Interest certificates are usually sent in January-February

4. Customer Care:

• • Dial 1860 419 5555 for loan balance details

4. How to Check Home Loan Balance in Bajaj FinServ

1. Bajaj FinServ App

• • Open the Bajaj FinServ App (https://www.bajajfinserv.in/3-in-1-webpage)
  • Navigate to “My Loans”> Loan Account summary

2. Customer Portal:

• • Visit https://www.bajajfinserv.in/myaccountlogin/
  • Login and check your loan balance and repayment schedule

3. Customer Care:

• • Dial 08698010101 for loan-related queries

Tip: Generate an interest certificate instantly under “My Account” section

5. How to Check Home Loan Balance in Citibank

1. Citi Mobile App:

• • Open the Citi Mobile bank app (https://www.citi.com/banking/citi-mobile-app-download/landing)
  • Select “Loan Account” to view details

2. Net Banking:

• • Login to Citibank Online and check the loan details section (https://www.citi.com/login)

3. Customer Care:

• • Dial 1860 210 2484 for loan balance inquiries

Note: Post-merger users may need to contact Axis Bank for Citibank for home loans.

6. How to Check Home Loan Balance in Yes Bank

1. Yes Mobile:

• • Open the Yes Mobile App (https://www.yesbank.in/digital-banking/mobile-solutions/yes-app-store )
  • Go to “Loans” and check your home loan balance

2. Netbanking:

• • Login to Yes Bank NetBanking (https://www.yesbank.in/digital-banking/online-banking/netbanking-services )
  • Navigate to “My Loans”> View loan summary

3. Customer Care:

• • Dial 1800 1200 to request loan balance details

Tip: Request an annual interest certificate via email

7. How to Check Home Loan Balance in Standard Chartered Bank

1. SC Mobile:
2. Netbanking:
3. Customer Care:
4. Email:

8. How to Check Home Loan Balance in SBI

1. YONO SBI App

• • Open YONO SBI App (https://www.sbicard.com/en/personal/benefits/easy-access-channels/yono.page )
  • Navigate to “Loans”>” Home Loan”> view balance

2. NetBanking

• • Log in to SBI NetBanking (https://retail.onlinesbi.sbi/retail/login.htm)
  • Select “Loan Summary” to check outstanding balance

3. SMS

• • Send “BAL” to 9223766666 from your registered mobile number

4. Customer Care:

• • Dial 1800 1234 for balance details

Tip: Interest certificates can be downloaded from YONO SBI between January-March

9. How to Check Home Loan Balance in Kotak Mahindra Bank

1. Kotak 811 / Kotak App:

• • Open the Kotak Bank App (https://www.kotak.com/en/corporate/solutions/manage-my-transactions/digital-banking/mobile-app.html)
  • Navigate to “Loans”> View home loan balance

2. NetBanking:

• • Login to Kotak NetBanking (https://netbanking.kotak.com/)
  • Select “Home Loan Summary” for detailed loan status

3. Customer Care:

• • Dial 1860 266 2666 for balance details

4. Email:

• • Interest certificates are generally sent in February

10. How to Check Home Loan Balance in Indian Bank

1. Indian Bank App

• • Open the Indian Bank App (https://www.indianbank.in/departments/indsmart/ )
  • Nevigate to “Loan Dashboard” to check balance

2. NetBanking

• • Login to Inian Bank NetBanking (https://www.indianbank.net.in/jsp/startIB.jsp)
  • Select “Home Loan Summary”

3. Customer Care:

• • Dial 1800 425 00000 for loan details

Note: Legacy accounts may require a branch visit for statements.

11. How to Check Home Loan Balance in LIC Housing Finance (LIC HFL)

1. LIC HFL Vyom App

• • Download and login to the LIC HFL Vyom App (https://customer.lichousing.com/)
  • Navigate to “Loan Overview” to check the balance

2. Customer Portal:

• • Visit https://customer.lichousing.com
  • Login with loan details and download statements

3. Email support:

• • Send queries tosupport@lichousing.com

4. Customer Care:

• • Dial 1800 208 4050 for loan details

Tip: Interest certificates, payment schedules, and loan statements are available online.

Comparison of All Banks Providing Home Loan Balance Access

Institution	App Access	Net banking / Portal	Email Statement	Customer Care
HDFC Ltd	✅	✅	✅ (Feb)	1800 2600
ICICI Bank	✅	✅	✅	1800 1080
Axis Bank	✅	✅	✅	1800 103 5577
Bajaj FinServ	✅	✅	✅ (on-demand)	08698010101
Citibank	✅	✅	✅	1860 210 2484
Yes Bank	✅	✅	✅ (by request)	1800 1200
Standard Chartered	✅	✅	✅	1800 3000 1616
SBI	✅	✅	✅ (YONO)	1800 11 2211
Kotak Bank	✅	✅	✅	1860 266 2666
Indian Bank	✅	✅	✅	1800 425 00000
LIC HFL	✅ (via Vyom)	✅ (Customer Portal)	✅	Different nos. Across cities

FAQs

• Can I check home loan balance through UPI apps?

Ans: No, home loan balance checks are not supported by UPI apps. Use net banking or the app provided by your bank.

• How do I download my home loan interest certificate?

Ans: It is available for download through the online banking portal, your bank’s app, or by email request.

• Why is my EMI not reflecting in the loan dashboard?

Ans: The updating process could take one to two business days. If the delay persists, get in touch with customer service.

• Can co-applicants access the loan balance?

Ans: Yes, if they have login access or provide identity proof to the bank.

• Is there a fee to check or download the loan statement?

Ans: No, it’s usually free via digital channels.

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