Check & Download LIC HFL Home Loan Statement

Why is LIC HFL Home Loan Statement Necessary?

An LIC HFL home loan statement holds several important purposes for borrowers:

• Track Loan Repayment Progress: The statement provides a detailed breakdown of your loan repayment history, including how much principal and interest you’ve paid. This allows you to monitor your progress and ensures you’re on track with your repayment schedule. If you are considering closing the loan early, you can use the Home Loan Prepayment Calculator to estimate your savings.
• Claim Tax Benefits: In India, you can claim tax deductions on the interest portion of your home loan repayment. The LIC HFL home loan statement is the official documentation for the interest paid during a specific financial year. When filing your income tax returns (ITR), you’ll need this document to claim these tax benefits. To estimate your total tax savings, use the Home Loan Tax Benefit Calculator.
• Proof of EMI Payments: The statement verifies that you’ve made your EMI payments on time. This can be helpful in various situations, such as for a second loan application or resolving any discrepancies with your loan account. You can check your eligibility in advance using the Home Loan Eligibility Calculator
• Manage Finances Effectively: Having a record of your loan transactions allows you to manage your finances more effectively. You can analyse your spending habits and plan your budget accordingly. If you are evaluating a balance transfer to another lender, the Home Loan Balance Transfer Calculator can help you compare savings before making a decision.

How to View and Download LIC HFL Home Loan Statement Online?  

You can access your LIC HFL home loan statement at any time through the LIC Housing Finance customer portal. Follow these steps:

Step 1: Visit the official LIC Housing Finance customer portal at lichodfc.com or through the LIC HFL website.

Step 2: Log in using your registered username and password. If you have not registered yet, click on “New Customer” and complete the registration using your loan application number, date of birth, and the security code provided.

Step 3: Once logged in, navigate to the loan account section. Look for options labelled “Loan Account Statement”, “Repayment Certificate”, or “Interest Certificate” the exact label may vary based on portal updates.

Step 4: Select your specific loan account and choose the financial year for which you need the statement.

Step 5: View the statement on screen and download it as a PDF to your device for records or submission.

Note: The portal also provides a provisional interest certificate at the start of each financial year, which is useful for advance tax planning before the year-end statement is available.

How to Get LIC HFL Home Loan Statement Offline?

If you are unable to access the online portal or prefer a physical copy, you can request the statement at your nearest LIC Housing Finance branch:

Step 1: Visit the nearest LIC Housing Finance branch with a valid photo ID and your loan account details.

Step 2: Request a home loan statement or interest certificate application form from the branch representative.

Step 3: Fill in the form accurately, including your loan account number, the financial year required, and your contact information.

Step 4: Submit the completed form to the branch representative.

Step 5: Depending on branch processes, the statement may be issued on the same day or sent to your registered address by post within a few working days.