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Application for the Annual Home Loan Interest Certificate

At a glance

Price
₹99 · GST included

₹99

GST included

Launch period: downloads are free for now. The prices shown apply once payments open.

Guided questions, full draft on screen, download in Word.

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Also called

  • Home loan interest certificate request letter
  • Provisional interest certificate application
  • Housing loan tax certificate request
  • Application for principal and interest statement (Section 80C / Section 24(b))
  • Home loan statement request for income tax

Whether you can fill this in here

You can fill this in here

You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

Fill this one in
Why you need it

When you need it

For a running housing loan, get the annual certificate splitting principal/interest to claim principal under s.80C(2)(xviii) and interest under s.24(b), Income-tax Act 1961. Use when the certificate hasn't arrived, misses the pre-construction split, names only one borrower on a joint loan, or your employer needs the lender's PAN for Form 12BB. Lenders issue a provisional certificate from December, final after 31 March. Pre-construction interest is deductible in five equal instalments from the year of acquisition/completion (Explanation to s.24) — ask for the lender's year-wise figure, since it won't volunteer one. Don't use if: a legal heir/executor/POA holder is asking (different request); it's a LAP/top-up/personal loan (deductibility depends on end use); you want a duplicate and the branch wants a notarised indemnity; the loan moved lenders mid-year (one letter each); or your grievance is the rate/reset/charge/bureau entry (send a complaint instead).

See stamp duty, registration and witnesses

What follows is the position for this kind of document. The amount is set by the state the property is in and it changes, so the figure for your own state is worth confirming at the sub-registrar’s office before you pay anything.

Stamp duty

None — a request for your own account's statement; creates no right/liability in property or money, so not chargeable under Schedule I or any State legislation. Plain paper or your own letterhead; no court-fee stamp either.

Registration

None — compulsory only for the s.17 list, optional for s.18, Registration Act 1908; an account-statement request is neither. No Sub-Registrar step.

Notarisation

Not required — your signature is enough. Two exceptions attract it: a duplicate of an issued certificate (some want a notarised indemnity), or a request by an heir/attorney (authority must be proved). If a counter insists anyway, ask for the rule in writing.

Witnesses

None — not an executed instrument. Sign yourself with name, PAN, mobile, email and loan account below, so it matches your account. On a joint loan, every co-borrower signing is convenience, not a legal requirement.

Talk to a lawyer about this document₹3,539 including GST (₹2,999 + 18% GST), per documentRequest Stamp Paper

Sample preview — placeholder answers, not your data

APPLICATION FOR THE ANNUAL HOME LOAN INTEREST CERTIFICATE

To,
The Branch Manager
State Bank of India
X

Date: 3 April 2026
Place: Pune

Subject: Housing Loan Account No. X — request for the certificate of principal repaid and interest paid for the financial year 2026-27

Sir / Madam,

1. I am Rohit Anand Kulkarni, residing at X. My PAN is ABCDE1234F, my mobile number is X and my email address is X.

2. I hold housing loan account number X with State Bank of India, sanctioned on 1 April 2026. The loan carries a floating rate of interest and is being repaid in monthly instalments.

3. The loan is secured against the property at X. Status of that property: Completed and possession taken. Possession was handed over to me on 2 April 2026.

4. What I am asking for. Please issue the Final Interest Certificate for this loan account for the financial year 2026-27, setting out separately:

    (a) the total principal repaid during that financial year;
    (b) the total interest paid or charged during that financial year;
    (c) the principal outstanding at the beginning and at the end of that year;
    (d) the rate or rates of interest applied during the year, and the date of any reset;
    (e) the date on which the loan was sanctioned and the amount sanctioned; and
    (f) the name, address and PAN of State Bank of India as the lender, on the face of the certificate.

If I have asked for both a provisional and a final certificate, please issue the provisional one now on your projected figures and the final one on actual figures after the close of the financial year.

4.1 Co-borrowers and shares. This is a joint loan. The borrowers, and the shares in which the loan is being repaid and in which the deduction will be claimed, are:

Rohit Anand Kulkarni, PAN ABCDE1234F, 60% share
Meera Kulkarni, PAN FGHIJ5678K, 40% share

Please make sure the certificate names each borrower with PAN and share, and gives each borrower's share of the principal repaid and of the interest paid for the year — or issue a separate certificate to each borrower to the same effect. A single certificate in one name alone will not serve, because each of us has to support a separate claim.

Questions about this document

What does the Application for the Annual Home Loan Interest Certificate cost on Kaagazaat?

₹99, GST included.

Launch period: downloads are free for now. The prices shown apply once payments open.

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