Download your home loan interest certificate

Home loan interest certificates are crucial for tax benefits and financial planning. They provide a detailed summary of the interest paid on your home loan, which can be claimed as a deduction under the Income Tax Act. Understanding how to access this document ensures you can maximise your tax savings and keep track of your loan repayments. Various methods, including online and offline options, make it convenient to obtain this certificate.

What is a home loan interest certificate?

A home loan interest certificate is an official document provided by your lender that summarises the interest and principal amount paid on your home loan during a financial year. This certificate is vital for claiming tax deductions under Section 24(b) of the Income Tax Act, which allows you to deduct up to Rs. 2 lakh on the interest paid on your home loan for a self-occupied property. Additionally, it helps in financial planning by providing a clear record of your loan repayment status and interest outflow, enabling better budget management and financial forecasting.

• How to download your home loan interest certificate?

• Downloading your home loan interest certificate is a straightforward process, and several methods are available to obtain it:

• Online methods:

• Login to your account: Login to your account with Bajaj Finserv using your registered mobile number. Once you have logged in, click on “Account” to go to “Your relations” where you will find all your active relationships with Bajaj Finserv. From these relationships, choose the Home loan section. Once you have selected home loan, you can download the interest certificate from “Statements”

• Email requests: Send a request to the customer support team via email to receive your interest certificate.

• Offline methods:

• Branch visit: Visit the nearest Bajaj Finance branch to request your certificate in person.

• Customer care support: Call the Bajaj Finance customer care number and request the document.

• These methods ensure you can access your interest certificate conveniently and keep your financial records up to date.

• Online methods to download home loan interest certificate

• Through your account with Bajaj Finserv:

• Log in: Visit the Bajaj Finserv portal and log in with your registered credentials.

• Navigate to Loan Section: Go to the ‘Loans’ section in your account dashboard.

• Select Home Loan: Choose your home loan account to view the details.

• Download Certificate: Look for the option to download the home loan interest certificate and click on it. The document will be saved to your device.

• These steps provide a quick and efficient way to access your interest certificate online, ensuring you can easily obtain it for tax filing purposes.

• How to download home loan interest certificate offline?

• Branch Visit:

• Locate a branch: Find the nearest Bajaj Finance branch.

• Visit in person: Go to the branch with your ID proof and loan details.

• Request certificate: Speak to a representative and request your home loan interest certificate.

• Receive document: The branch staff will process your request, and you will receive the certificate.

• Customer Care Support:

• Call Customer Care: Dial the Bajaj Finance customer care number.

• Provide Details: Provide your loan account number and other required details.

• Request Certificate: Request the interest certificate over the phone.

• Receive Certificate: The customer care team will process your request and send the document to your registered email address or postal address.

• Benefits of home loan interest certificate

• The home loan interest certificate offers several benefits:

• Tax deductions: It helps in claiming tax deductions on the interest paid under Section 24(b) of the Income Tax Act, reducing your taxable income.

• Financial planning: It provides a clear record of the interest and principal paid, aiding in better financial planning and budgeting.

• Loan management: It helps you keep track of your loan repayment status, ensuring you are aware of your financial commitments.

• Proof of payment: It serves as an official document confirming the interest and principal payments made during the financial year.

• For more information on the benefits of loan documents, you can also check details on the NOC Certificate.

• Documents required to download home loan interest certificate

• To download your home loan interest certificate, you typically need the following documents:

• Loan account number

• PAN card

• Registered email ID

• Proof of identity (if visiting a branch)

• Loan agreement details

• These documents ensure the correct processing of your request and provide the necessary verification to access your interest certificate.Top of FormBottom of Form