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Kotak home loan statement

A home loan is one of the most used and favored debt instruments today. A lot of people have built their dream homes with the help of home loans. Kotak bank is one of the banks which has been known for its customer-centric approach and thus is very popular for availing these loans.

Customers are easily able to manage their home loans with the help of the Kotak home loan statement. This can be easily viewed through an online portal. Kotak bank also provides assistance if required to the customers at their branch offices.

What is a Kotak home loan statement?

The Kotak home loan statement provides a clear division among the interest amount, the principal amount, and other factors. The factors that affect the payment of EMI are also given in the home loan statement. The Kotak home loan statement or the provisional certificate is given at the end of or the beginning of each fiscal year so that the remaining amount that has to be paid as EMIs is known by the borrower.

Why is a Kotak home loan statement required?

A Kotak home loan statement has the following information

  • Total loan amount, tenure, and interest rate
  • Outstanding loan, interest, and term
  • The loan amount that has been repaid already
  • EMI that has been paid
  • Outstanding EMI
  • Tax certificate for income tax purposes
  • Important dates like the start of the loan, the date when the loan is ending

How to get a Kotak home loan statement online?

Similar to all online activities, the Kotak home loan statement can also be accessed online. The steps below are to be followed

  • Visit the Kotak Net banking online portal or their official website
  • Click on the login page and enter your username and password
  • After logging in select the enquiries tab
  • Under the enquiries tab, select the home loan statement or provisional certificate option
  • Enter the details for the information you desire
  • After entering all the details, the site will open the statement. After opening the statement, you can download the statement in pdf format.

How to get Kotak home loan statements offline?

For getting the Kotak home loan statement offline, you need to follow the steps given below

  • Visit the nearest Kotak bank branch
  • Ask for a home loan statement form
  • Fill in the form with all your personal details and details related to your home loan
  • After filling in the form, submit the form and you need to show valid identity proof to the bank


The home loan statement is a useful financial tool for knowing the details about your loan. Borrowers must essentially review their home loan statement regularly in order to know about the outstanding loan amount, interest, tenure of the home loan etc. In this way, they can manage their home loans better.

FAQs of Kotak home loan statement

1. How can I download my Kotak home loan statement online?

You can download the home loan statement online if you have availed of the option of net banking or internet banking. You can also download the Kotak bank app and fill in all the details required.

2. Is a home loan interest certificate a must to claim IT deductions?

If you are a salaried person, and have declared your home loan interest and principal repayment in your IT declaration, then you will need this certificate to submit to your employer for tax calculation purposes. This will reflect in your Form-16.

3. How often can I check my Kotak home loan statement?

You can check it whenever you want. There is no limitation on your accessing your home loan account statement.

4. Are there any charges to get my Kotak home loan account statement?

No, there is no charge to access, view or download your home loan account statement.

5. Can I get a copy of the Kotak Home Loan statement at the branch?

Definitely! You can walk into any Kotak bank branch and request them to give you a printout of your latest home loan account statement.

6. What is the available balance on the Kotak home loan?

The available balance on your home loan is the amount currently usable. The available credit for a loan account is the amount you can take out or borrow.

7. How to calculate the Kotak home loan EMIs?

You can use the Kotak home loan EMI calculator to compute the EMIs. Enter the loan amount, duration of the loan, and the rate of interest. The EMI will be calculated and displayed.

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