Income Tax Certificate – Home Loan

HDFC Bank customers can conveniently access their Income Tax Certificate online through NetBanking or the Home Loan Portal, and ChatBanking on WhatsApp. Follow the steps below to view or download the required certificate or have it sent directly to your registered email address.

Visit Home Loan Portal (opens in a new tab)
For all customers having an HDFC Bank Home Loan

Log in to NetBanking (opens in a new tab)
Alternate option for customer holding an active HDFC Bank Current Account or Saving Account

Know More About Income Tax Certificate- Home Loan

What is a Home Loan Income Tax Certificate?

A Home Loan Income Tax Certificate is a document that provides details of the principal and interest components of your Home Loan repayments for a particular financial year. It can be used as supporting documentation while calculating and claiming eligible tax deductions on your Home Loan, subject to applicable income tax rules.

No need for collateral

Why is an Income Tax Certificate Important?

An Income Tax Certificate brings the relevant Home Loan repayment details together in one place, which can make tax planning and filing easier. It can help you:

  • Check principal and interest details: View the breakup of the amounts paid towards the principal and interest during the financial year.

  • Claim eligible tax deductions: Use the certificate as supporting documentation when claiming applicable Home Loan tax benefits.

  • Plan your taxes: Keep track of eligible Home Loan payments while estimating your tax liability for the year.

  • Maintain proper records: Keep an official record of your Home Loan repayment details for tax and future reference.

  • Simplify tax filing: Having the required loan details readily available can make preparing your income tax return more convenient.

No need for collateral

How to Access/Download Your Income Tax Certificate

  • For HDFC Bank Customers with a Customer ID
  • 1. Log in to HDFC Bank NetBanking using your Customer ID and password.
  • 2. Go to the Loans tab.
  • 3. Click ‘Loans’ to view your loan accounts displayed as cards.
  • 4. Select the Home Loan card.
  • 5. You will be redirected to the Home Loan Portal, where you can view your Home Loan account details.

  • To Obtain an Income Tax Certificate
  • 1. From the left-hand menu, go to Requests and select Income Tax Certificate.
  • 2. The Income Tax Certificate section for your Home Loan account will be displayed.
  • 3. Select the relevant financial year.
  • 4. Click ‘View’ to view the certificate online. 
  • 5. Click ‘Email‘ to have the certificate sent to your registered email ID.
  • 6. Once the request is submitted, a confirmation message will appear on the screen. The certificate will be sent to your registered email ID.
     
  • For Customers with Multiple Home Loans
  • 1. Select the Home Loan account for which you need the Income Tax Certificate.
  • 2. Go to 'Income Tax Certificate’ from the left-hand menu.
  • 3. Select the relevant financial year.
  • 4. Choose the ‘View’ access the certificate online or ‘Email’ to receive it on your registered email ID.
  • 5. The certificate will be displayed on screen or sent to your registered email ID, depending on the option selected.

  • For Customers without a Customer ID
  • If you do not have a Customer ID, you can access the Home Loan Portal using your Loan Account Number to view or download your Income Tax Certificate – Home Loan. Follow these steps:
  • 1. Log in using your Loan Account Number and Date of Birth.
  • 2. An OTP will be sent to your Registered Mobile Number.
  • 3. Enter the OTP and click on ‘Submit’ to access the dashboard and view or download your Home Loan Income Tax Certificate.
  • Need further assistance? Visit your nearest HDFC Bank branch for support.

 

Frequently Asked Questions

A Home Loan Income Tax Certificate provides details of the principal and interest components of your Home Loan repayments for a particular financial year. It can be used as supporting documentation when calculating and claiming eligible Home Loan tax deductions, subject to applicable income tax rules.

HDFC Bank customers can access their Home Loan Income Tax Certificate online through NetBanking or the Home Loan Portal. After accessing the relevant Home Loan account, select Income Tax Certificate, choose the required financial year and select the available option to view the certificate or receive it on your registered email ID.

You can select the relevant financial year while accessing the Income Tax Certificate section for your Home Loan account. The availability of certificates for a particular financial year may depend on the options displayed on the portal.

Yes. A Home Loan Income Tax Certificate provides details of the principal and interest components of your Home Loan repayments for the applicable financial year.

A Home Loan Income Tax Certificate can be used as supporting documentation when claiming eligible tax deductions on Home Loan repayments. The availability and extent of tax benefits are subject to applicable income tax rules.