Interest Certificate

​​​Easily request an interest certificate from HDFC Bank via Xpress Forms. You can request a document for the interest you've earned on your deposits or the interest paid on your loans for a financial year. This certificate comes in handy for filing your income tax or keeping your records straight. You can obtain it through the Xpress Forms portal or NetBanking.

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How to Get an Interest Certificate: Step-by-Step Guide

Via Xpress Forms

  • Visit the HDFC Bank Xpress Forms portal.

  • Select the option for Interest Certificates.

  • Enter your registered mobile number and log in using PAN, DOB or Customer ID.

  • Complete verification using NetBanking, Debit Card or Aadhaar.

  • Choose the account number and type of interest certificate you need.

  • Specify the period or date range for which you require the certificate.

  • Submit the request.

Once processed, the Interest Certificate will be sent instantly to your registered email ID with SMS confirmation.

Click here to get started

No need for collateral

Via NetBanking

  • Log in to HDFC Bank NetBanking.

  • Go to the Accounts section.

  • Under Quick Links, select Download Interest Certificate.

  • Choose the account and the required financial year or date range.

  • Click Download to save the certificate to your device.

No need for collateral

Key Considerations

  • Certificates typically remain valid for the financial year in which they are issued. 

  • Before issuing the certificate, the bank may need to have your KYC, PAN and contact information fully updated.

  • If you are opting for a Loan interest certificate, you might need to ensure your email is registered with your Loan account. 

  • Keep in mind that some certificates, particularly those related to loan interest, are only available after the financial year has concluded. 

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Overview of Interest Certificates

An interest certificate is a formal document provided by your bank that outlines the total interest you've earned on your deposits. Whether they’re savings, fixed, or recurring. You can also get the Loan interest certificate for the interest you have paid on loans during a specific financial year. It includes important details such as your account number, the interest amount, the period covered and your name. 

When you're filing your Income Tax Return (ITR), you will need this to back up any claims for interest income or deductions on loan interest. It is essential for verifying interest amounts, whether for financial audits or just keeping your personal records in check. 

This document promotes transparency by showing exactly what interest has been credited or charged throughout the year. It is also handy when you're applying for Loans, visas or any other official paperwork that requires proof of income or expenses.

Frequently Asked Questions

An interest certificate is valid for the financial year it is issued for. If you are planning to use it for tax filing, just make sure it matches the interest dates for that year. 

You can download the interest certificate for deposits anytime. For interest earned on deposits, you can download it for either the current or previous financial year, as long as the interest data is updated. However, if you are looking for Loan interest certificates or interest paid, you might have to wait until after the year ends.

If you have interest income or Loan interest expenses, having that certificate can back up your claims.

Head to your branch or get in touch with customer support right away. Make sure to provide the correct details like your account number, name and PAN, and ask for a revised certificate. 

If the account is joint, any of the account holders can request the certificate. However, they must have the necessary permissions.

Interest Certificate

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