ICICI Bank Home Loan Statement

An ICICI Bank Home Loan Statement provides a comprehensive summary of your loan account. When you begin repaying your home loan, you can request this statement at any time to track your repayment progress and maintain accurate financial records. Here is what it includes

• Principal repaid

• Interest paid

• Outstanding loan balance

• Remaining loan tenure

You can conveniently access your home loan statement online via ICICI Bank’s secure portal or request it offline through email or by visiting a branch. This ensures you can easily track your payments, monitor your loan status, and plan your finances effectively.

The ICICI Bank home loan statement provides a comprehensive overview of your loan account for the selected financial year. Its primary purpose is to help you understand the current status of your loan and track your repayment progress. The statement typically includes the following key details:

• Sanction date

• Sanctioned amount

• Disbursed amount

• Rate of interest

• Interest rate type (fixed or floating)

• Loan tenure

• EMI amount

• Number of instalments paid

• Any missed instalments or part payments made

It also provides a breakdown of your monthly EMI payments into:

• Principal amount paid

• Interest amount paid

• Due dates for each EMI

Additional information may include:

• Prepayments and part-prepayments made

• Current outstanding balance

• Remaining loan tenure

• Applicable fees, charges, and penalties, if any

An ICICI Bank home loan statement offers several advantages that can help borrowers manage their finances effectively. Key benefits include:

• Tax Savings

The statement can serve as a provisional certificate for claiming tax deductions.

1. Under Section 80C of the Income Tax Act, 1961, you may claim a deduction of up to ₹1.50 lakh on the principal repaid in a financial year.
2. Under Section 24(b), you may claim a deduction of up to ₹2 lakh on the interest paid in a financial year.

• Support for New Loan Applications

The statement reflects your repayment history, enabling lenders to assess your creditworthiness when you apply for another home loan or credit facility.

• Record of Part-Prepayments

Any part-prepayments made are recorded in the statement, along with the adjusted principal amount, revised EMIs, and updated outstanding balance.

• Tracking Missed Payments

The statement logs any missed EMIs and related penalties, helping you monitor payment discipline and avoid future defaults.

• Detailed Payment History

It provides a complete record of all payments, including payment and credit dates, allowing you to verify accuracy and raise queries if discrepancies arise.

• Proof of Timely Payments

The statement acts as official proof of consistent EMI payments, supporting smooth loan closure and strengthening your eligibility for future credit.

ICICI Bank offers multiple convenient methods for accessing your home loan statement, ensuring flexibility for borrowers. The statement provides a detailed overview of your loan repayment history and other related details. Here are the ways to access your ICICI Bank housing loan statement:

• Through ICICI Bank’s internet banking portal

• Using the ICICI Bank mobile app (iMobile)

• Requesting it through email from the bank

• Visiting the nearest bank branch

• Contacting the bank’s customer care

ICICI Bank offers multiple online channels for accessing your home loan statement, allowing you to choose the most convenient option:

• Via Net Banking

You can easily obtain the statement from the comfort of your home by registering for the e-Statement facility. Once registered, the statement will be automatically delivered to your registered email address. Follow the steps below:

1. Visit the ICICI Bank Net Banking portal
2. Log in using your User ID and password
3. Open the ‘Loans’ section
4. Choose your loan account number
5. Select the statement period you want
6. Download the statement in PDF or Excel format 

• Through the iMobile App

The ICICI Bank iMobile app offers an easy-to-use platform to view and download your loan statement at any time. Use the easy steps in the following for the process:

1. Launch the latest version of the iMobile App on your smartphone
2. Log in with your ICICI home loan credentials or register if you are a first-time user
3. Navigate to the ‘Loans’ section from the main menu to view all loan accounts
4. Select your home loan account to see details like outstanding amount, EMIs, and interest certificate options
5. Tap on ‘Statement’ to view or download your home loan statement in PDF, and access your interest certificate if needed 

You can obtain your Interest Certificate via ICICI Bank Internet Banking, iMobile app, or by visiting the nearest Loan Servicing Branch. Follow the steps below to download it through the iMobile app:

1. Log in to the iMobile app and select the ‘Services’ tab at the bottom

2. Click on the ‘Interest Certificate’ option to proceed

3. Navigate to the ‘More Options’ section and select ‘Interest Certificate’

4. Enter the required details and click on ‘Generate PDF’ to download the certificate

For offline methods, you can visit your nearest branch or contact the bank’s customer care services. The following are the details of how to get your ICICI Bank home loan statement through convenient offline methods:

By Visiting an ICICI Bank Branch

To locate your nearest branch, you can use the following steps:

1. Open the ICICI Bank’s ‘Contact Us’ page.
2. On the ‘Visit Help Desk’ section, click on the ‘Branch / ATM / Bank@Home DropBox >’
3. From the following page, click on the ‘FIND ATM / BRANCH’ tab
4. Type your address or nearest landmark in the search bar and locate your nearest bank branch from the map on the right side
5. After locating the nearest branch, visit it and ask a representative to provide your statement

By Contacting the Customer Care

You can also get your home loan statement by contacting the bank’s customer care team:

1. Call 1800 1080
2. Follow the IVR instructions or connect to a representative
3. Provide your home loan account number and verify your identity, and ask for the statement

A home loan statement is a vital financial document that enables you to track your loan effectively. ICICI Bank offers convenient online and offline options to access it. Review your statement periodically to manage prepayments and monitor tax benefits. Promptly report discrepancies to the bank for timely resolution.