How to Check Personal Loan Balance (Major Banks & NBFCs)

Q: Can I check my personal loan balance via UPI apps like PhonePe?

Ans: No, personal loan balance information is not available on the majority of UPI apps. You must check via customer service, mobile banking apps, or net banking.

Q: Why is my EMI not reflected in my account?

Ans: It may take 24 to 48 hours for EMI payments to update. Check with your bank to see if the payment was handled appropriately if it has been delayed past this point.

Q: Can co-applicants also access the balance?

Ans: This depends on the bank. Some lenders enable co-applicants to view loan information, while others require principal borrowers to provide access.

Q: Is there a charge for downloading personal loan statements?

Ans: Generally, banks offer free PDF downloads via applications or internet banking. However, there may be a small price if you request a physical copy or contact customer service.

Q: Can I pre-close a personal loan directly from the app?

Ans: Some banks offer loan pre-closure via their applications, while others may require a visit to the branch. Always check for foreclosure fees before proceeding.

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Keeping track of your personal loan balance is crucial for effective financial planning. You may maintain control by routinely reviewing your loan balance, whether it’s for interest payment tracking, EMI management, or making sure your tax returns are accurate.

Furthermore, keeping an eye on your loan account will help you avoid missing payments, which will lower your CIBIL score.

We go over how to check the balance of your personal loan with India’s major banks & NBFCs; from mobile banking apps to SMS service and customer support, we break down all available methods for both digital-savvy users and those who prefer offline solutions.

Table of Contents

Ways to Check Personal Loan Balance in India

1. Mobile Banking Apps

The majority of banks & NBFCs provide specialized mobile applications that give you access to real-time loan information, such as the interest paid, EMI schedule, and outstanding balance.
Steps (generic):

1. Open the mobile banking app from your bank or NBFC and log in.
2. Go to the “Personal Loan” or “Loans” section.
3. To see the amount, EMI information, and payment history, choose your loan account.

2. Internet Banking / Customer Portals

If you prefer using a laptop or desktop, you can check your loan details through your lender’s website.
Steps to check via Internet Banking:

1. Visit the official website of your Bank or NBFC.
2. Enter your password and user ID to access NetBanking. If you don’t have NetBanking, you may need to register.
3. Locate the “Loans” or “My Accounts” area after logging in is complete.
4. Choose your Loan Account: To see your outstanding balance, interest information, and payment history, click on your loan.
5. Download statements (Optional): You can download the loan statement for record-keeping or tax purposes if necessary.

3. SMS / Missed Call Services

To verify loan details, some lenders use a missed call or SMS service. When you don’t have internet access, this is helpful.
Steps to check Personal loan balance via SMS or Missed Call:
1. SMS:

1. - Check with your lender for the official SMS format or missed call number
  - Send an SMS of the term “LOAN BAL” from your registered mobile number to a bank’s or NBFC service number.
  - The Bank/NBFC will send an SMS with your loan balance and EMI details
2. Missed Call Option (If available)

- - Dial lenders missed call number from your registered mobile number
  - You will receive an SMS with your loan balance smoothly

4. Customer Support / Chatbot / Email

- If your loan details don’t appear in Mobile banking or Net banking, or you need additional clarification, contacting customer support is a good option
- Ways to check loan balance via customer support:

Call Customer Care:

- Dial your bank’s or NBFC’s customer care
- Verify your identity by providing your loan details, DOB, or registered mobile number
- Ask for your outstanding loan balance

Chat with a Chatbot:

- Many banks have chatbots on their websites or mobile apps; you can type in any questions like “Check my loan balance” to receive an immediate response

Send an Email Request:

- Email customer support with your loan details
- The bank or NBFC will reply with your loan balance and statement

5. Visiting Branch or Agent (For offline loans or rural NBFCs)

- For those who have offline loans (such as loans from cooperative societies, local NBFCs, or rural banks).
- Steps to check loan account details:

1. 1. Visit the nearest branch of your lender
  2. Keep your loan account information with you (ID, passbook, or loan account number)
  3. Ask a bank representative to look up the balance of your outstanding loan
  4. Get a printed statement (if required)

Bank/NBFC-wise Breakdown:

1. How to Check Personal Loan Balance in HDFC Bank

NetBanking: Visit the official website. Check your Personal Loan Summary after logging in and going to the Loans area.
Mobile App: To view loan data, launch the HDFC Mobile App and go to the Personal Loan Dashboard.
SMS: To obtain loan balance information by SMS, send “BAL” to 5676712.
Customer service: For help with your loan balance, call 1800 202 6161.

2. How to Check Personal Loan Balance in ICICI Bank

iMobile App: To examine the balance in ICICI bank, launch the app and select Accounts > Loans > Personal Loan.
NetBanking: Go to the loans area, log in, and choose View Loan Account.
SMS: To obtain the loan balance by SMS, send “IBAL” to 9215676766.
Customer service: For questions about your loan balance, call 1860 120 7777.

3. How to Check Personal Loan Balance in Axis Bank

Axis Mobile App: To check the balance, open the app and navigate to the Loan Account area.
Internet Banking: To view a loan summary, log in and select Loans > View Details.
Customer service: For help, dial 1860-419-5555.

4. How to Check Personal Loan Balance in Bajaj Finserv

Bajaj FinServ App: Launch the app, pick your Personal Loan under My Loans.
Customer Portal: To view loan data, go to my account.
Customer service: For loan inquiries, call 08698010101.

5. How to Check Personal Loan Balance in PayMe India

PayMe App: Launch the app, then use the Dashboard to view your loan balance.
Customer Portal: To view loan details, log in to the official portal.
Help: Email or chat is used to answer questions.
Quickest Method: Checking the balance is fastest when done through the PayMe App.

6. How to Check Personal Loan Balance in Citibank

Citi Mobile App: To view the balance, open the C itibank app, then select Accounts > Loan.
Online Banking: Visit the Loan Section after logging into Citibank Online.
Customer service: For questions about loans, call 1860 210 2484.

7. How to Check Personal Loan Balance in Yes Bank

Yes Mobile App: Launch the app or visit the website, then select the Loans area.
Net Banking: To view balance information, log in and go to My Loans.
Customer service: For financial assistance, call 1800 1200.

8. How to Check Personal Loan Balance in Standard Chartered Bank

SC Mobile App: Open the app and navigate to the Loans Dashboard.
Internet Banking: Sign in and look at the balance on the Loan Overview page.
Customer service: For assistance, dial 1800 345 1000.

9. How to Check Personal Loan Balance in SBI

YONO App: To examine the balance, visit the YONO website or launch the app and select Loans > Personal Loan.
Net Banking: Go to the Loan Summary area after logging in.
SMS: For a quick loan balance, send “BAL” to 9223766666.
Customer service: For loan-related questions, call 1800 1234.

10. How to Check Personal Loan Balance in Kotak Mahindra Bank

Kotak 811 App: Launch the app and navigate to the Loans area.
Net Banking: Go to the Loan Account after logging in.
SMS: For loan balance information, send “BAL” to 9971056767.
Call: For customer service, dial 1860 266 2666.

11. How to Check Personal Loan Balance in Indian Bank

Indian Bank App: Launch the app, then select Loan Account or visit the website.
NetBanking: Access the Loan Summary by logging in.
Customer service: For questions about loans, call 1800 425 00000.

How to Download Personal Loan EMI or Interest Statement

The majority of banks and financial organisations offer the ability to get interest or EMI statements for personal loans through their mobile apps or online banking portals.

These statements are helpful for tracking finances, applying for visas, and filing taxes.

1. Apps & Portals:

- Most of the lenders provide downloadable PDFs via their official websites or banking apps.
- In your account section, look for options such as “EMI Details” or “Loan Statements”.

2. Email or Customer Support:

- Upon request, several banks may provide statements by email
- If the option isn’t available online, you can get in touch with customer service

Common Issues while checking the balance from the loan account:

Loan Account Not Linked to Net Banking: Verify that your loan account is connected to your net banking profile if you are unable to view your loan data.
Several Customer IDs or cell numbers: The loan details might not show up under your current profile if you have several customer IDs or if your cell number has changed.
EMI Paid but Not Updated: EMI payments, particularly those made via third-party apps, can occasionally take some time to appear.
Problems with Joint Loan Access: Unless specifically permitted, co-applicants could not always have direct access to loan information.

Also, read: Personal Loan Balance Transfer (Details)

Tips for Smarter Loan Management

Enable autopay or set up reminders to help you remember to make EMI payments.
Monitor Total Interest Paid: Analysing interest payments on a regular basis aids in refinancing or prepayment planning.
Make Use of Prepayment Features: A lot of banks provide partial prepayments at no additional cost, which lowers the overall interest load.
Obtain the most recent statements prior to loan closing: Get a no-dues certificate and make sure all outstanding payments have been paid before completing loan closure.

Comparison of All Banks Providing Personal Loan Balance Access

Institution	App Access	Net banking	SMS	Customer Support
HDFC Bank	✅	✅	✅	1800 2600
ICICI Bank	✅	✅	✅	1800 1080
Axis Bank	✅	✅	✅	1800 103 5577
Bajaj FinServ	✅	✅	✅	08698010101
Citi Bank	✅	✅	✅	1860 210 2484
Yes Bank	✅	✅	✅	1800 1200
Standard Chartered	✅	✅	✅	632 8867888
SBI	✅	✅	✅	1800 11 2211
Kotak Bank	✅	✅	✅	1860 266 2666
Indian Bank	✅	✅	✅	1800 425 00000

FAQs

Can I check my personal loan balance via UPI apps like PhonePe?

Ans: No, personal loan balance information is not available on the majority of UPI apps. You must check via customer service, mobile banking apps, or net banking.

Why is my EMI not reflected in my account?

Ans: It may take 24 to 48 hours for EMI payments to update. Check with your bank to see if the payment was handled appropriately if it has been delayed past this point.

Can co-applicants also access the balance?

Ans: This depends on the bank. Some lenders enable co-applicants to view loan information, while others require principal borrowers to provide access.

Is there a charge for downloading personal loan statements?

Ans: Generally, banks offer free PDF downloads via applications or internet banking. However, there may be a small price if you request a physical copy or contact customer service.

Can I pre-close a personal loan directly from the app?

Ans: Some banks offer loan pre-closure via their applications, while others may require a visit to the branch. Always check for foreclosure fees before proceeding.

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