SBI Home Loan Interest Certificate
Claiming tax benefits on your home loan is now simple with the SBI Home Loan Interest Certificate. This document from the State Bank of India shows the total interest you’ve paid in a financial year and helps you easily file your income tax returns. You can download it online through SBI Net Banking or the YONO app in just a few clicks. Simply log in, go to “Enquiries” or “e-Services”, select “Home Loan Int. Cert (Prov)”, and download the PDF. If you prefer, you can also get it offline by visiting your nearest SBI branch and submitting a request form.
SBI Home Loan Interest Certificate: Benefits and Easy Ways to Get It Online or Offline in 2025
Did you know that your SBI housing loan interest certificate can help you save on taxes? This important document, issued by the State Bank of India (SBI), shows the total interest you’ve paid on your home loan during a financial year. It makes claiming deductions on your taxable income quick and hassle-free. In this guide, you’ll learn the key benefits of the certificate and simple steps to download or get your SBI housing loan interest certificate online, offline, or through the YONO app in 2025.
What is the SBI Home Loan Interest Certificate?
The home loan certificate SBI is an official document issued by the State Bank of India (SBI) that shows how much interest you’ve paid on your home loan during a financial year. It helps borrowers easily claim tax benefits while filing their income tax returns. Usually provided at the end of each financial year, this housing loan certificate SBI also acts as proof of repayment.
The interest certificate SBI includes key details such as:
- Borrower’s name and loan account number
- Total interest paid during the year
- Period of interest payment
- Outstanding principal amount on the loan
How to Download SBI Home Loan Interest Certificate Online
You can easily access your SBI housing loan interest certificate online in just a few simple steps. Here’s how:
- Log in to your SBI Net Banking account using your user ID and password.
- Go to the ‘e-Services’ section and click on ‘My Certificates’.
- Select ‘Home Loan Int. Cert. (Prov)’ from the list.
- Choose your home loan account for which you want the certificate.
- You can now view, download, or print your SBI Home loan interest certificate in PDF format for your records or tax filing.
How to Get SBI Home Loan Interest Certificate Offline
If you prefer the offline method, you can easily request your home loan certificate SBI by following these simple steps:
- Call SBI Customer Care on toll-free numbers — 1800 1234, 1800 2100, 1800 425 3800, or 1800 11 2211 — or on the landline 080-26599990.
- Ask the executive to send you a physical copy of your housing loan certificate SBI.
- Visit your nearest SBI branch and go to the loan section.
- Request a home loan or interest certificate SBI form.
- Fill in your details such as name, loan account number, PAN, email, and address.
- Attach required documents — like your PAN card, Aadhaar card, or passport — along with the filled form.
- Submit the form at the counter. The bank will process your request and issue an official physical copy of your SBI housing loan certificate, which can be used for IT returns, loan tracking, or legal verification.
How to Download SBI Home Loan Interest Certificate via YONO App
You can also access your interest certificate SBI using the SBI YONO mobile app:
- Open or download the SBI YONO app on your smartphone.
- Log in using your SBI credentials.
- Tap on the “Home Loan” section.
- Choose “TDS Enquiry” and select the relevant financial year.
- Tap “Download” to get your SBI housing loan interest certificate in PDF format.
Benefits of the SBI Home Loan Interest Certificate
Getting your housing loan certificate SBI comes with several benefits that make home loan management and tax filing easier. Here’s why you should download your home loan certificate SBI:
- Helps with home loan balance transfer to another lender easily.
- Reduces your taxable income, lowering overall tax liability.
- Simplifies the income tax filing process.
- Supports better financial and tax planning.
- Provides official proof of interest paid, making it easier to claim deductions.
How to Get Your SBI Home Loan Interest Certificate/Statement
SBI provides multiple convenient options to access your housing loan certificate SBI or loan statement:
- Through SBI YONO App: Log in to the YONO app or website and download your loan statement easily.
- Via SBI Net Banking: Visit the SBI online banking portal, sign in, and check your SBI housing loan interest certificate or statement.
- By SMS: You can also request your loan statement through SBI’s SMS service by sending the required keyword to the designated number.
Why the SBI Home Loan Interest Certificate/ Statement is Important
- Track Your Loan Progress: Monitor outstanding balance and EMI payments clearly.
- Smart Financial Planning: Plan prepayments and future finances based on current loan data.
- Tax Benefits: Use the interest certificate SBI or home loan certificate SBI to claim tax deductions under Section 24 of the Income Tax Act.
Why You Need a SBI Home Loan Interest Certificate
The SBI housing loan interest certificate is crucial for tax filing and financial planning. Here’s why it matters:
- Helps claim tax deductions on interest paid under Section 24 of the Income Tax Act.
- Serves as official proof of interest paid.
- Provides complete loan account details, including repayment and interest.
- Required for tax filing, audits, and loan transfers or closure.
Benefits of Using the SBI Home Loan Interest Certificate/Statement
Your home loan certificate SBI and statement provide transparency and control over your home loan. They help you:
- Track payments toward principal and interest.
- Understand outstanding balance and total paid amount.
- Make informed decisions about prepayments or refinancing.
- Plan your financial future effectively.
How NoBroker Helps You
Managing home loans and paperwork can be confusing, but NoBroker makes the process effortless. From helping you apply for the best home loan offers to tracking documents like the SBI Home Loan Interest Certificate, NoBroker’s team simplifies every step. You can:
- Compare top home loan interest rates from multiple banks, including SBI.
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- Track and manage your loan certificates and repayment details easily.
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With NoBroker Home Loan Services, you save time, effort, and money—making your journey to home ownership completely hassle-free.
Conclusion
Getting your SBI Home Loan Interest Certificate is quick, simple, and extremely useful—whether for tax filing, financial planning, or tracking your repayment progress. With options to download it online, offline, or through the YONO app, SBI makes it easy for borrowers to stay updated on their loan details. Keeping this certificate handy ensures a smooth income tax filing process and helps you save money through eligible deductions under the Income Tax Act.
