Check & Download PNB Home Loan Statement (2026)

Why is the PNB Home Loan Statement Essential?

1. Clarity in Financial Management: The statement gives a clear picture of your outstanding balance and how much of your payments have gone towards the principal versus interest, helping in better financial management and budget planning.
2. Tax Benefits: Home loan statements are necessary for claiming tax benefits under sections such as 80C for principal repayment and 24(b) for interest payment, which can significantly reduce your taxable income.
3. Loan Oversight: Regularly reviewing your home loan statement can help you spot any discrepancies or errors in billing and payments, ensuring that all your payments are accurately recorded.
4. Strategic Financial Decisions: With a comprehensive understanding of your loan status, you can make informed decisions regarding loan prepayment or refinancing options that could potentially lower your financial burden. Use the Home Loan EMI Calculator alongside your statement to model how a prepayment would change your remaining tenure and interest outgo.

Tax Benefits on Your PNB Home Loan Statement: Section 80C & 24(b) Explained

Your PNB home loan statement is the primary evidence you’ll need when claiming home loan tax deductions, but the actual claim relies on two distinct sections of the Income Tax Act:

• Section 80C (Principal repayment): You can claim up to ₹1.5 lakh per financial year on the principal component of your EMIs, within the overall Section 80C limit (which also covers other instruments like PPF and life insurance premiums).
• Section 24(b) (Interest payment): You can claim up to ₹2 lakh per financial year on interest paid, for a self-occupied property. If the property is let out, the entire interest paid during the year is deductible, with no upper cap.

Example: If your annual statement shows ₹1.11 lakh in principal and ₹3.90 lakh in interest paid, your total deductible amount would be capped at ₹1.5 lakh (80C) + ₹2 lakh (24b) = ₹3.5 lakh, potentially saving over ₹1 lakh in tax at the 30% slab.

Note: your home loan statement and your Interest/IT Certificate are two different documents see the FAQ below on how they differ and where to get each. If your certificate figures look off, it may be worth checking the PNB Home Loan Interest Rate page for any mid-year rate resets that would affect your interest breakup.

How to View and Download PNB Home Loan Statement Online?

Accessing your home loan statement online with PNB is easy and convenient. Here’s how you can do it:

1. Log Into PNB Internet Banking:
   • Visit PNB’s official website.
   • Enter your credentials to log into your internet banking account.
2. Navigate to Loan Accounts:
   • Go to the ‘Accounts’ tab.
   • Select ‘Loan Accounts’ from the dropdown menu.
3. Download the Home Loan Statement:
   • Click on your specific home loan account number.
   • Select the ‘Statement’ option and choose the period you need the statement for.
   • Click on ‘Download’ to get your statement in PDF format.

How to Obtain PNB Home Loan Statement Offline?

For those who prefer or need to access their statement offline, PNB provides several options:

1. Visit Your Local PNB Branch:
   • You can request a printed statement at any PNB branch. Be sure to bring your ID and loan account number for verification.
2. Customer Service Call:
   • Dial PNB’s customer service number. The customer care number for PNB Home Loan queries is 1800 120 8800, available from 10 A.M. to 5 P.M., Monday to Saturday, excluding first and second Saturdays and holidays. 
   • After verifying your identity and loan details, ask the representative to mail the statement to your registered address.

Download Method Comparison

Net banking and the PNB One app are the fastest routes for most borrowers; branch and phone requests suit those without active net banking access or needing certified/physical copies.