How long does a personal loan require bank statements?

Income justification, including two years' worth of certified financials. recent six months financial statement. a proof of office address. evidence of ownership of a home or business. .

How do I get a copy of my loan statement?

Typically, you may get your personal loan statement via the mobile banking website or portal of your lender. Alternately, you can ask your bank or lending organisation for a hard copy of your statement. .

What details are included in a personal loan statement?

The loan account number, loan disbursement date, loan tenure, EMI due dates, payment history (including principle and interest components), outstanding balance, and any applicable fees or charges are all details that can be seen on a personal loan statement. .

Why is the statement for my personal loan significant?

To monitor your loan repayment progress, you must maintain track of your personal loan statement. It aids in your understanding of your payment history, balance owing, and upcoming EMI date. Additionally, it contains evidence of your loan and payment history. .

How often is a statement for a personal loan produced?

Statements for personal loans are normally produced every month. However, the frequency may change based on the regulations of your lender. The statement date is typically printed on the document. .

Why do lenders require access to bank statements?

Simply put, mortgage lenders utilise bank statements to confirm your income and cash reserves to ensure you can repay your mortgage loan, meet your down payment and closing expenses, and other obligations. .

What should I do if my personal loan statement has errors?

It's crucial to get in touch with your lender or bank very away to fix any anomalies or inaccuracies you find on your personal loan statement. Give them all the information and proof you need to prove your point. .

Can I use the statement from my personal loan for taxes?

Yes, your personal loan statement can be helpful for tax purposes, especially if you're deducting loan interest. A tax expert or financial counsellor can help you determine whether you qualify for tax benefits. .

Are past month's personal loan statements available to me?

Yes, you may often check your prior month's personal loan statements using your online banking account. The statements can be downloaded or seen, and they are frequently archived. .

Is it possible for me to receive my personal loan statements online?

Numerous lenders provide choices for paperless statements. Usually, you can sign up for paperless statements by contacting customer service or going to the settings on your online banking account. .

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Personal Loan Statement Details

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It is important to keep a record of all the transactions you make to repay your loan. Hence, the bank provides you with a personal statement where you can view the details of the loan availed by you and the transactions made by you.

Updated On - 02 Oct 2025

Terms in a Personal Loan Statement

You can receive your statement by mail or view it online on NetBank. The statement provides the following information:

Statement Number: Indicates the position in the series of statements issued since the initiation of your personal loan.
Required Repayments: The minimum monthly amount needed to ensure the loan is paid off within the agreed term.
Interest Rate: Your current interest rate, with any changes during the statement period displayed on the 'transaction' page.
Loan Balance: The outstanding amount on your loan as of the statement date.
Repayments: The total amount of loan repayments processed in the statement period.
Interest: The total interest charged for the current financial year.

What are the Things you can View in your Personal Loan Statement?

You can view the details of the personal loan scheme availed by you. You can view the loan amount availed by you, the repayment tenure, whether your interest is floating of fixed, etc.
You can also view the last date for the payment of the next EMI, the amount you will have to pay.
You can view the history of all the EMIs you have paid till date. In case you miss a payment, it will be reflected in your statement. The statement will also show you any penal interest levied in case you delay the payment of your EMI.
If you have part paid your loan, then the record of the transaction will be reflected in your bank statement.

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How to View your Personal Loan Statement

There are multple ways through which you can view your personal loan statement. We will have a look at the methods you can use to view your personal loan statement.

Through Net Banking

Today every lender in India offers the net banking facility to its customers where they can avail various banking facilities. You can use the facility to view your personal loan statement. You can use your net banking credentials. Most of the banks under its net banking facility provide the 'loan' section through which a customer can view the details of loans availed by them. Click on 'loan' and you can download the e-statement on your computer or simply view your personal loan statement online.

Through the Log in Portal

If you visit the official website of a bank. You will be able to view 'loan' under 'products' section. Under loans, you can click on 'personal loan' which will direct you to a new page. You can click on 'Login' and using your log in credentials you can view your personal loan statement.

Through Mobile App

You can simply download the bank's mobile app on your smartphone. Use your log in credentials and click on 'loan'. You can view not only your personal loan statement, but also other details of the loan/s availed by you.

How to Check Personal Loan Statement Through Email ID?

You can send a mail to the bank's email ID asking them to send you your personal loan e-statement. The bank will send you the e-statement to your email ID. If you use the net banking or mobile facility, you can provide your email ID, and you will receive the e-statement.

Customer Care

You can also get in touch with the customer care service of the bank where a bank representative will help you with the process of viewing your personal loan statement online.

Offline

You can visit the nearest branch of the bank from whom you availed the personal loan to get your personal loan statement. Make sure you carry all the relevant documents with you to the bank. A representative from the bank will help you with the process and will provide you with your personal loan statement.

If you have availed a personal loan, then you must view the e-statement on a regular basis. It contains the records of all the transactions and other important details related to your loan. The personal loan statement is extremely transparent and keeps away any possibility of disputes between the lender and the customer.

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FAQs on Personal Loan Statement

How long does a personal loan require bank statements?
Income justification, including two years' worth of certified financials. recent six months financial statement. a proof of office address. evidence of ownership of a home or business.
How do I get a copy of my loan statement?
Typically, you may get your personal loan statement via the mobile banking website or portal of your lender. Alternately, you can ask your bank or lending organisation for a hard copy of your statement.
What details are included in a personal loan statement?
The loan account number, loan disbursement date, loan tenure, EMI due dates, payment history (including principle and interest components), outstanding balance, and any applicable fees or charges are all details that can be seen on a personal loan statement.
Why is the statement for my personal loan significant?
To monitor your loan repayment progress, you must maintain track of your personal loan statement. It aids in your understanding of your payment history, balance owing, and upcoming EMI date. Additionally, it contains evidence of your loan and payment history.
How often is a statement for a personal loan produced?
Statements for personal loans are normally produced every month. However, the frequency may change based on the regulations of your lender. The statement date is typically printed on the document.
Why do lenders require access to bank statements?
Simply put, mortgage lenders utilise bank statements to confirm your income and cash reserves to ensure you can repay your mortgage loan, meet your down payment and closing expenses, and other obligations.
What should I do if my personal loan statement has errors?
It's crucial to get in touch with your lender or bank very away to fix any anomalies or inaccuracies you find on your personal loan statement. Give them all the information and proof you need to prove your point.
Can I use the statement from my personal loan for taxes?
Yes, your personal loan statement can be helpful for tax purposes, especially if you're deducting loan interest. A tax expert or financial counsellor can help you determine whether you qualify for tax benefits.
Are past month's personal loan statements available to me?
Yes, you may often check your prior month's personal loan statements using your online banking account. The statements can be downloaded or seen, and they are frequently archived.
Is it possible for me to receive my personal loan statements online?
Numerous lenders provide choices for paperless statements. Usually, you can sign up for paperless statements by contacting customer service or going to the settings on your online banking account.

Important Personal Loan Pages

Personal Loan Eligibility by Banks

Personal Loan Interest Rates by Bank

Personal Loan EMI Calculator by Bank

Personal Loan Customer Care by Bank

Personal Loan Status Track by Bank

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