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.