Kaagazaat

Fill in your details

Application for the Annual Home Loan Interest Certificate

Answer what you can. The draft beside these boxes is rewritten as you go, so you can see exactly what each answer does to the document.

What you type stays in this browser. Nothing is sent anywhere until you choose to keep a copy — and closing this tab loses it.

Your answers

1 of 22 answered.

Still to answer

17 answers are still to come.

Nothing is amiss in what you have written. The document is simply not finished, and the draft marks each gap where an answer will go.

  1. You and your lender
  2. The loan and property
  3. The certificate wanted
  4. Reply, delivery and signing

Step 1 of 4

You and your lender

For example: Rohit Anand Kulkarni

Your addressNeeded

For example: ABCDE1234F

A number somebody can be reached on. Ten digits is the usual Indian form, and a country code in front of it is fine if you want it there.

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: State Bank of India

Where the loan account is maintained. If servicing has moved to a central retail asset or loan servicing centre, use that address and keep a copy for the branch.

A long answer. Several lines are fine, and a break you make between paragraphs is the break the document keeps.

Where an unresolved complaint would go — this depends on whether your lender is a bank or a housing finance companyNeeded
Read the whole draft

Clearing empties every box on this form, and there is no way back to what was in them.

The live draft

The draft, as it stands

This is the whole document, not a sample of it. It is rewritten every time you change an answer.

A long blank line — __________ — stands wherever an answer has not been given. It is left that visible on purpose, so an unfinished document cannot be mistaken for a finished one.

APPLICATION FOR THE ANNUAL HOME LOAN INTEREST CERTIFICATE

To,
The Branch Manager
__________
__________

Date: __________
Place: __________

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

Sir / Madam,

1. I am __________, residing at __________. My PAN is __________, my mobile number is __________ and my email address is __________.

2. I hold housing loan account number __________ with __________. The loan carries a __________ rate of interest and is being repaid in monthly instalments.

3. The loan is secured against the property at __________. Status of that property: __________.

4. What I am asking for. Please issue the __________ for this loan account for the financial year __________, 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 __________ 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.

5. Why I need it. I intend to claim the principal repaid as a deduction under section 80C(2)(xviii) of the Income-tax Act, 1961, and the interest as a deduction under section 24(b) of that Act. Where the claim is routed through my employer, Form 12BB — prescribed under rule 26C of the Income-tax Rules, 1962 — requires me to give my employer the name, address and PAN of the lender, which is why item (f) above matters and why a certificate without your PAN on it is of no use to me.

6. Pre-construction interest. If any interest accrued or was paid on this loan before the financial year in which the property was acquired or its construction was completed, please state that interest separately and year by year — from the date of first disbursement up to 31 March of the financial year immediately preceding the year of acquisition or completion. Interest for that period is deductible in five equal annual instalments beginning with the year of acquisition or completion, under the Explanation to section 24 of the Income-tax Act, 1961, and I cannot compute those instalments without a year-wise figure from you. If there was no such period on this loan, please say so on the certificate, so that I have your answer in writing either way.

7. The information your records already hold. The Reserve Bank of India circular DOR.MCS.REC.32/01.01.003/2023-24 dated 18 August 2023, on Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans, requires a lender, in the case of a floating rate EMI-based personal loan — a description within which housing loans fall — to share with the borrower, or make accessible to the borrower, a statement at the end of each quarter setting out at least the principal and interest recovered till date, the EMI amount, the number of EMIs left and the annualised rate of interest or annual percentage rate for the entire tenor of the loan. Where that requirement applies to this account, what I am asking for here is the same information, drawn to the financial year and split between principal and interest. In any event the split between principal and interest is one your loan accounting produces month by month, and this request should not require a fresh computation.

8. Time and charges. Please let me have the certificate within 15 days of receipt of this letter, by email to __________, and in hard copy at my address above if you prefer to send it that way as well. If any charge is payable for issuing it, please tell me the amount and the item of your published schedule of charges under which it is levied, before it is debited to my account.

9. Delivery and proof. This letter is being sent __________. Please acknowledge receipt. I am retaining the acknowledged copy, the email delivery record or the postal acknowledgement due card, as the case may be, as proof of the date of this request.

10. If I do not hear from you. If the certificate does not reach me within 15 days, I will make a written complaint to the Grievance Redressal Officer of __________. __________

11. I would much rather none of that were necessary. A certificate by email, within the time asked for, closes this.

Thank you.

Yours faithfully,

 

_______________________________
__________
PAN: __________
Mobile: __________
Email: __________
Housing Loan Account No.: __________

ACKNOWLEDGEMENT — to be completed by the receiving official

Received the above application from __________ in respect of Housing Loan Account No. __________.

Date of receipt: ____________________

Name and designation of receiving official: ____________________________________

Signature and branch stamp: ____________________________________

The rest stays out of view until every answer is in.

KAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINAL

APPLICATION FOR THE ANNUAL HOME LOAN INTEREST CERTIFICATE

To,
The Branch Manager
__________
__________

Date: __________
Place: __________

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

Sir / Madam,

1. I am __________, residing at __________. My PAN is __________, my mobile number is __________ and my email address is __________.

2. I hold housing loan account number __________ with __________. The loan carries a __________ rate of interest and is being repaid in monthly instalments.

3. The loan is secured against the property at __________. Status of that property: __________.

4. What I am asking for. Please issue the __________ for this loan account for the financial year __________, 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 __________ 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.

5. Why I need it. I intend to claim the principal repaid as a deduction under section 80C(2)(xviii) of the Income-tax Act, 1961, and the interest as a deduction under section 24(b) of that Act. Where the claim is routed through my employer, Form 12BB — prescribed under rule 26C of the Income-tax Rules, 1962 — requires me to give my employer the name, address and PAN of the lender, which is why item (f) above matters and why a certificate without your PAN on it is of no use to me.

6. Pre-construction interest. If any interest accrued or was paid on this loan before the financial year in which the property was acquired or its construction was completed, please state that interest separately and year by year — from the date of first disbursement up to 31 March of the financial year immediately preceding the year of acquisition or completion. Interest for that period is deductible in five equal annual instalments beginning with the year of acquisition or completion, under the Explanation to section 24 of the Income-tax Act, 1961, and I cannot compute those instalments without a year-wise figure from you. If there was no such period on this loan, please say so on the certificate, so that I have your answer in writing either way.

7. The information your records already hold. The Reserve Bank of India circular DOR.MCS.REC.32/01.01.003/2023-24 dated 18 August 2023, on Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans, requires a lender, in the case of a floating rate EMI-based personal loan — a description within which housing loans fall — to share with the borrower, or make accessible to the borrower, a statement at the end of each quarter setting out at least the principal and interest recovered till date, the EMI amount, the number of EMIs left and the annualised rate of interest or annual percentage rate for the entire tenor of the loan. Where that requirement applies to this account, what I am asking for here is the same information, drawn to the financial year and split between principal and interest. In any event the split between principal and interest is one your loan accounting produces month by month, and this request should not require a fresh computation.

8. Time and charges. Please let me have the certificate within 15 days of receipt of this letter, by email to __________, and in hard copy at my address above if you prefer to send it that way as well. If any charge is payable for issuing it, please tell me the amount and the item of your published schedule of charges under which it is levied, before it is debited to my account.

9. Delivery and proof. This letter is being sent __________. Please acknowledge receipt. I am retaining the acknowledged copy, the email delivery record or the postal acknowledgement due card, as the case may be, as proof of the date of this request.

10. If I do not hear from you. If the certificate does not reach me within 15 days, I will make a written complaint to the Grievance Redressal Officer of __________. __________

11. I would much rather none of that were necessary. A certificate by email, within the time asked for, closes this.

Thank you.

Yours faithfully,

 

_______________________________
__________
PAN: __________
Mobile: __________
Email: __________
Housing Loan Account No.: __________

ACKNOWLEDGEMENT — to be completed by the receiving official

Received the above application from __________ in respect of Housing Loan Account No. __________.

Date of receipt: ____________________

Name and designation of receiving official: ____________________________________

Signature and branch stamp: ____________________________________

Reading costs nothing. Keeping a copy needs an account.

The opening of the draft is on this page as you answer it. Once every answer is in, the button below opens the whole draft, watermarked — still without an account. Printing it, or keeping a clean copy, is where an account is asked for. That is the whole arrangement.

A kept copy has to belong to somebody, and that is the reason for the account. There is nothing further to it.

Continue to download

Carry on reading without one

Back to what this document is