Personal Loan Statement Guide – How to View & Download Anytime

A personal loan statement gives you a clear view of your EMIs, interest rate, outstanding balance and repayment history. You can check my loan statement online through net banking, the lender’s mobile app or email. You can even get it offline from the branch or customer care.

Financial institutions allow you to access your personal loan statement in many ways. You can choose the most convenient method out of all the available ones. There are online and offline options to get your loan statement with ease. 
Read on to know the different methods you can use to generate loan statements online and offline and how to read them.  

What is a Personal Loan Statement? 

A personal loan statement is a quick snapshot of your loan. It shows everything about your ongoing loan in one place. It tells you your EMIs, outstanding balance, personal loan interest rate and repayment progress. You can use it to track how much you’ve paid, how much is left and what charges apply. It’s the easiest way to track your entire loan at a glance.

Key Details You Will Find in Your Personal Loan Statement

Your personal loan statement gives you a clear picture of your loan. It shows what you have paid, what is pending and how your EMIs are calculated. Here are the details you will usually see:

• Loan ID: This is a unique number created only for your loan. You can use this when checking your statement online or when speaking to customer care.
• Account number: The bank account linked to your EMI payments. This is needed for net banking access and EMI tracking.
• Statement number: The reference ID for your monthly or quarterly statement.
• Interest rate type: This basically shows if your loan has a fixed or floating rate. A fixed rate stays the same throughout the tenure. A floating rate can change during reset cycles, which may affect your EMI or interest outflows.
• Loan summary: A quick view of the sanctioned amount, EMI, tenure and repayment progress.
• Repayment history: EMIs paid so far and delays, if any.
• Outstanding balance: The remaining loan amount you still need to repay.
• EMI amount: Your monthly instalment, including interest and principal.
• Adjustments: Any additional charges, reversals or corrections made by the lender.

If you want to download or view your statement, you will need details like as your name, registered mobile number, Loan ID or account number and PAN. Keeping these ready will help you get your statement faster.

Methods to Download Your Personal Loan Statement

Method	How It Works
Net banking	Log in, go to the loan section and download the statement
Loan account login	Visit your lender’s website, enter the loan account/ID and download your e-statement
Mobile app	Log in with your registered number and view loan details on the dashboard
Email e-statement	Monthly or quarterly statements are sent to your inbox
Customer care	Call support and receive your statement digitally or by post
Branch visit	Visit the branch and request a printed statement

View and Download Your Personal Loan Statement Online 

Here are the online methods you can use to get your loan account details.  

1. Download Personal Loan Statement Via Net Banking: 

• Step 1: Log in with your account number and password
• Step 2: Go to the loan section 
• Step 3: Select the loan account 
• Step 4: Your loan details will appear on the screen 
• Step 5: Click on the download option to get an e-statement 
  

2. On Your Loan Account 

• Step 1: Go to the lender’s website 
• Step 2: Log in with your loan account number 
• Step 3: Download the e-statement from the options you see  
• Through the Mobile App 

The lender’s mobile app enables you to easily check your details and loan balance anytime. Simply download the mobile banking application on your smartphone and register with the mobile number linked to your loan account. After logging in, you will get the option on the dashboard to check your loan details.  

• From Your Email Account 

The majority of loan providers allow you to opt for monthly or quarterly e-statements, which are sent to your registered email address. You can opt for this facility to receive e-statements periodically.  

Offline Methods to Check Your Personal Loan Statement 

If you prefer in-person support or don’t have internet access, you can use these offline options to get your loan statement:

• Call customer care: Share basic details like your name and PAN so the executive can verify your account. After which, they will send your personal loan statement to you by post or digitally.
• Visit the nearest branch: Walk into your lender’s branch and request your loan details. Once the representative verifies your account, they will give you a printed statement.

Whether you choose the online or offline mode, you can check your personal loan details in just a few minutes. These methods can also help you track your loan application status. At Fibe, getting a loan is just as easy as checking your loan details.  

With Fibe Instant Personal Loan, you can get up to ₹5 lakhs in just 2 minutes with minimum documentation and quick processing. To apply, download the Fibe Personal Loan App from the Google Play Store or App Store or register on the website.  

FAQ on How to Check the Personal Loan Statement  

How do I check my total loan balance?  

To check your loan outstanding balance, you can log into your net banking account or the lender’s mobile app. Here, you can download the account statement for your loan. If you don’t have access to the internet, you can also get the statement offline by calling customer care.  

How do I know if my loans are forgiven?  

If the bank forgives your loan, the lender will close the account. With a loan waive-off, you are no longer required to pay off the balance. To check if the loan is waived off, you can download your loan statement. 

How do you find your loan statement? 

You can check your loan statement easily by logging into net banking or the lender’s mobile app. You can also download the e-statement from your email. And if you prefer offline help, just call customer care or visit the nearest branch.