If you have an SBI loan, you may need a Loan Interest Certificate to file your income tax return, claim eligible tax deductions, or maintain your financial records.
SBI (State Bank of India) provides loan interest certificates through multiple channels, including SBI Internet Banking, the YONO SBI app, and your SBI branch.
In this guide, we explain how to get an SBI Loan Interest Certificate online and offline, what information it contains, and how you can use it for income tax purposes.
What Is an SBI Loan Interest Certificate?
An SBI Loan Interest Certificate is an official document that shows the interest you have paid on your SBI loan during a particular financial year.
Depending on the type of loan, the certificate may contain details such as:
- Loan account number
- Borrower name
- Financial year
- Principal amount repaid
- Interest amount paid
- Total amount paid
- Outstanding loan amount, where applicable
For home loan borrowers, the certificate can be particularly useful when claiming eligible deductions under the Income Tax Act.
How to Get SBI Loan Interest Certificate Online
You can generally obtain your SBI loan interest certificate online if your loan account is linked to your SBI digital banking profile.
Method 1: Through SBI Internet Banking
Follow these steps:
Step 1: Visit SBI Internet Banking
Open the official SBI Internet Banking website and log in using your credentials.
Step 2: Go to the Loan Section
After logging in, look for the section related to Loans, Accounts, or Loan Account Statements.
The exact menu names may vary depending on the current SBI Internet Banking interface.
Step 3: Select Your Loan Account
Choose the SBI loan account for which you need the interest certificate.
Step 4: Look for Interest Certificate or Related Documents
Check for an option such as Interest Certificate, Loan Interest Certificate, or a similar document/statement option.
Step 5: Select the Financial Year
Choose the financial year for which you require the certificate.
For example:
- FY 2025-26
- FY 2024-25
- FY 2023-24
Step 6: Download the Certificate
Generate and download the certificate. Depending on the service available for your loan account, you may receive it as a PDF or another downloadable document.
How to Get SBI Loan Interest Certificate Through YONO SBI
SBI’s YONO platform also provides access to various banking and loan-related services.
To check whether your certificate is available through YONO:
- Open the YONO SBI app.
- Log in using your SBI credentials.
- Go to the Loans or relevant loan/account section.
- Select your loan account.
- Look for options related to Statements, Certificates, or Interest.
- Select the required financial year.
- Download or request the certificate if the option is available.
Note: The exact options and menu names in YONO SBI can change when SBI updates the app.
How to Get SBI Loan Interest Certificate From Your SBI Branch
If you cannot download the certificate online, you can visit your SBI home branch or the branch handling your loan account.
Carry:
- Loan account number
- Account/customer details
- PAN card or another valid ID, if required
Ask the bank representative for an SBI Loan Interest Certificate for the required financial year.
The bank can provide the certificate according to the applicable process for your loan account.
How to Get SBI Home Loan Interest Certificate
If you have an SBI Home Loan, the interest certificate can be useful when preparing your income tax documents.
The certificate generally provides a breakup of the amount paid toward:
- Principal
- Interest
The actual tax benefit depends on your circumstances and the applicable provisions of the Income Tax Act.
For tax filing, keep the SBI interest certificate along with other relevant documents such as your salary documents, Form 16, and other supporting records.
SBI Loan Interest Certificate for Income Tax
Many borrowers need an interest certificate specifically for income tax filing.
For example, eligible home loan borrowers may use the certificate to determine the interest paid during the financial year and calculate applicable deductions.
However, simply having an SBI interest certificate does not automatically mean the entire amount shown can be claimed as a tax deduction. The applicable tax rules, loan type, property status, ownership, and tax regime can affect eligibility.
If you are unsure about your tax treatment, consult a qualified tax professional.
SBI Home Loan Interest Certificate vs Loan Statement
These two documents are different.
| Feature | Interest Certificate | Loan Statement |
|---|---|---|
| Shows interest paid | Yes | Usually |
| Shows principal repayment | May be included | Yes |
| Useful for tax filing | Yes | Can be useful |
| Shows transaction history | Limited | Yes |
| Purpose | Tax/documentation | Detailed loan records |
If you specifically need proof of interest paid during a financial year, request the Loan Interest Certificate.
What to Do If You Cannot Find the Interest Certificate Online
Sometimes the certificate may not appear in your online banking account.
Possible reasons include:
- Loan account is not linked to your online banking profile.
- The loan is serviced through a different SBI branch/system.
- The selected financial year is incorrect.
- SBI has changed the location of the option in its digital banking interface.
- Your particular loan product may have a different process for obtaining certificates.
In such cases, you can contact SBI customer support or visit the relevant SBI branch and request the certificate.
Can I Get an SBI Loan Interest Certificate for Previous Years?
Yes, you may be able to obtain an interest certificate for a previous financial year, subject to SBI’s records and the availability of the relevant service.
If the certificate is not available online, contact the SBI branch that services your loan account.
When requesting it, clearly mention the financial year you need.
Frequently Asked Questions
How can I download my SBI loan interest certificate?
You can check SBI Internet Banking or YONO SBI for your loan account and look for the relevant interest certificate or statement option. If it is unavailable online, request it from your SBI branch.
Is an SBI loan interest certificate required for ITR filing?
It can be useful for determining the interest paid on an eligible loan and supporting relevant tax claims. The exact documents required depend on your tax situation.
Can I get an SBI home loan interest certificate online?
In many cases, SBI provides digital access to loan-related statements and certificates. Availability can depend on the loan account and the current SBI digital banking services.
Can I get the certificate from an SBI branch?
Yes. You can contact the branch handling your loan account and request an interest certificate for the required financial year.
Does the SBI interest certificate show principal and interest separately?
For many loan products, the certificate provides a breakup of principal and interest. The exact information can vary depending on the type of loan and certificate issued.
What financial year should I select?
Select the financial year for which you need the interest details. For example, if you are filing an income tax return for income earned during FY 2025-26, you would generally need documents relating to FY 2025-26.
Final Words
Getting an SBI Loan Interest Certificate is useful for maintaining financial records and, where applicable, preparing your income tax documents.
You can first check SBI Internet Banking or YONO SBI for the certificate. If you cannot find the option or your loan account is not eligible for online access, contacting the SBI branch handling your loan is the next practical option.
Always verify that the certificate covers the correct financial year before using it for tax or financial documentation.
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- What Is an SBI Loan Interest Certificate?
- How to Get SBI Loan Interest Certificate Online
- How to Get SBI Loan Interest Certificate Through YONO SBI
- How to Get SBI Loan Interest Certificate From Branch
- SBI Loan Interest Certificate for Income Tax