Did you know your home loan isn’t just your ticket to owning your dream house—it’s also a tax-saving treasure? That’s right! By leveraging the HDFC Home Loan Income Tax Certificate, you can unlock significant tax benefits on both the principal and interest portions of your loan.
If you’re an HDFC Bank borrower, you’re in luck! They make it super simple to track your loan repayments and maximize your tax deductions.
How to Download the HDFC Home Loan Income Tax Certificate Online
HDFC Bank makes it easy for borrowers to download their Home Loan Income Tax Certificate online. Here’s how you can do it:
- Step 1: Visit the HDFC Home Loan Portal
Go to the official HDFC Home Loan portal and log in using your credentials. If you haven’t registered yet, you can create an account using your loan account number.
HDFC Bank home loan login portal with options to apply online for fast and paperless home loans. - Enter Your Loan Account Number
Once logged in, enter your home loan account number in the designated field and click ‘Submit.’
- View Loan Details
On the next page, you’ll see your loan details. Click on the ‘View Details’ button next to the loan for which you want to download the tax certificate.
- Request Income Tax Certificate
From the menu, select the option ‘Income Tax Certificate.’ You can either view it online or request to receive it via email.
- Download and Save
Click on the ‘Email’ button, and HDFC Bank will send the Tax Certificate to your registered email address. You can download it from there and use it while filing your taxes.
Check Out: HDFC Home Loan EMI Calculator
What are the Tax Benefits of a Home Loan with HDFC Bank?
If you’re eyeing a HDFC Bank Home Loan, remember the real savings lie beyond the headline rate—tax deductions can trim your out‑of‑pocket cost every year. Below is a snapshot of the main breaks the Income Tax Act offers and how to structure your loan (and property choices) to capture the maximum benefit.
Deduction for Interest Paid on Housing Loan (Section 24)
- Loan must fund purchase or construction of a house property.
- Construction must finish within 5 years from the end of the financial year the loan was taken; otherwise, deduction drops to ₹30,000 a year.
- Self‑occupied property: claim up to ₹2 lakh interest per year.
- Let‑out property: claim full interest with no cap; any loss offsets income from other house properties only.
- Choose which property is “self‑occupied” to maximise total deductions.
Interest Paid During Pre‑Construction Period
- Interest paid before completion is called pre‑construction interest.
- Claim it only after construction ends, spread equally over five years.
- Each year’s 1/5 share plus current‑year interest is limited to ₹2 lakh under Section 24(b) for a self‑occupied home.
- Section 80EEA can add up to ₹1.5 lakh extra interest deduction if eligible.
Deduction on Principal Repayment (Section 80C)
- Principal component of EMI is deductible up to ₹1.5 lakh a year.
- Selling the house within five years adds back all earlier principal deductions to your income.
Deduction for Joint Home Loan
- Each co‑owner‑borrower may claim up to ₹2 lakh interest deduction and ₹1.5 lakh principal deduction.
- Deduction is allowed only if all borrowers are co‑owners of the property.
Deduction for Stamp Duty and Registration Charges (Section 80C)
- Stamp duty and registration fees paid on purchase are deductible in the year of payment.
- These amounts share the overall ₹1.5 lakh Section 80C ceiling with principal repayment.
Also Read: HDFC Home Loan Interest Rates 2025
Can I Claim Both HRA and Home Loan Tax Benefits Together?
You can combine House Rent Allowance (HRA) and home‑loan interest deductions, but only when your living and ownership situations meet specific Income‑tax Act rules. Use the checklist below to see if you qualify—and to avoid cases where the double benefit is disallowed.
When you can claim both
- Work in one city, own a home in another, and pay rent where you work.
- Pay rent while your self‑occupied house is still under construction; claim HRA now and home‑loan interest once the house is ready.
- Let out your owned property and live in a rented home elsewhere; claim HRA on the rent and full interest deduction under Section 24(b) for the let‑out house.
When you cannot claim both
- Live in the very home for which you pay the loan interest—only interest is deductible, HRA is not.
- Own a livable house in the same city yet choose to rent another place, unless you can prove your job requires the separate accommodation.
Check Out: HDFC Home Loan Prepayment Calculator
What is the Difference Between 80C and 24B Sections of Income Tax Act, 1961?
| Aspect | Section 80C | Section 24(b) |
|---|---|---|
| Expense covered | Home‑loan principal (plus PPF, ELSS, etc.) | Home‑loan interest |
| Annual cap | ₹1.5 lakh (total of all 80C items) | Self‑occupied: ₹2 lakh Let‑out: no limit (loss set‑off capped at ₹2 lakh) |
| Who can claim | Individuals & HUFs | Any property owner paying interest |
| Key condition | Keep the house for 5 years after possession | Finish construction within 5 years, else cap drops to ₹30,000 |
| New tax regime | Not allowed | Allowed only for let‑out homes |
Must Read: CIBIL Score Required for HDFC Home Loans
What is a HDFC Home Loan Tax Certificate or Interest Certificate?
A HDFC Home Loan Interest Certificate is an lender‑issued statement that sums up how much interest you paid and how much principal you repaid on your HDFC home loan during a specific financial year (provisional for the year in progress, final after 31 March).
You attach it to your income‑tax return or give it to your employer to unlock deductions under Sections 24(b) (interest) and 80C (principal) of the Income‑tax Act, and it doubles as a handy one‑page tracker of your loan status.
What the Certificate Shows
Borrower’s personal details (name, address, PAN)
• Home‑loan account number
• Total loan sanctioned & current outstanding principal
• Financial‑year period covered (start & end dates)
• Applicable interest rate and whether it’s fixed or floating
• Interest paid during the period (claimable under § 24(b))
• Principal repaid during the period (claimable under § 80C)
• Any missed or part‑repayments and resulting principal adjustments
• Upcoming EMI/repayment amount due for the rest of the year
Must Read: HDFC Home Loan Customer Care
Can I Download the Home Loan Tax Certificate Directly from the HDFC Mobile Application?
Yes. HDFC’s mobile app lets you pull both provisional and final interest (tax) certificates yourself:
- Launch the HDFC mobile app and sign in with your registered ID and password.
- Choose your home‑loan account from the dashboard.
- Tap Interest Certificate (pick “Provisional” or “Final” as needed).
- Hit Download to save the PDF on your phone.
- Check your device’s downloads folder (or in‑app “Documents”) for immediate access.
Suggested Read: SBI vs HDFC Home Loan
How Long Does it Take to Receive the Home Loan Tax Certificate via E-Mail?
HDFC’s official turnaround time for emailing a home‑loan tax (interest) certificate is up to 3 working days after you place the request (weekends and public holidays don’t count).
Are There Any Fees Associated with Downloading the Home Loan Tax Certificate?
- Downloading the HDFC home‑loan tax (interest) certificate yourself—either from the mobile app or the online customer portal—is free.
- A fee applies only when you ask the branch for a printed (physical) certificate; that costs ₹ 200 per request + GST.
Also Read: Top 5 Reasons to Check your Home Loan Statement
What are the Differences Between a Home Loan Tax Certificate and a Home Loan Interest Certificate?
In India, the Home Loan Tax Certificate and Home Loan Interest Certificate serve distinct purposes for tax filing. Here’s a structured breakdown of their differences:
| Aspect | Tax Certificate | Interest Certificate |
|---|---|---|
| Coverage | Principal + Interest | Only Interest |
| Key Sections | 80C (principal), 24(b) (interest) | 24(b) (interest) |
| Details Included | Loan account, property info, EMI breakdown | Total interest paid annually |
| Use Case | Comprehensive tax filing | Specific interest-related claims |
Also Read: HDFC Home Loan Insurance
Why Do You Need a Home Loan Tax Certificate from HDFC?
- Claim tax deductions on interest (Section 24(b)) and principal (Section 80C/80EEA)
- Submit proof to your employer for accurate TDS and smoother year‑end tax reconciliation
- Check how much interest and principal you’ve repaid for precise ITR filing
- Track repayment progress and decide whether a prepayment will save interest
- Provide lender‑verified evidence when seeking a balance‑transfer or top‑up loan
- Use as supporting financial proof for visa applications, personal loans, or credit cards
How to Use HDFC Home Loan Tax Certificates for Income‑Tax Filing?
Your HDFC Home Loan Tax Certificate contains critical details required for accurate income-tax filing. Key elements to identify include:
- Borrower Details : Full name, address, and Permanent Account Number (PAN) as registered with HDFC.
- Loan Account Number : Unique identifier for your home loan.
- Interest Certificate : A breakdown of the total interest paid during the financial year (under “Interest on Loan” or “Interest Paid”).
- Principal Repayment : Total principal amount repaid in the year (required for claiming deductions under Section 80C).
- PAN of HDFC : The lender’s PAN for reporting TDS (if applicable).
How to Use the Information When Filing Taxes?
- Interest (Sec 24(b)) – In Schedule HP → “Interest payable on borrowed capital,” enter the total interest; cap ₹2 lakh for self‑occupied, no cap for let‑out.
- Principal (Sec 80C) – In Schedule VI‑A → “80C,” add the principal repaid, up to ₹1.5 lakh.
- Lender details – In Schedule HP, copy the lender’s name, PAN and address exactly as on the certificate.
- Certificate PDF – Keep the file handy; the e‑filing portal may ask you to upload it if your return is scrutinised.
HDFC Home Loan Address and Details for Income‑Tax Forms
Where to find HDFC’s address and other required details
- On the tax/interest certificate – Most certificates display the lender’s registered office, PAN and contact number in the header or footer.
- On the sanction letter or loan statement – These documents repeat the same statutory information.
- On HDFC’s website – The “Contact Us” page lists the registered office and customer‑care number for quick reference.
Specific Sections of Tax Forms Where the Details Must be Entered
| ITR Form | Field/Section |
|---|---|
| ITR‑1 (SAHAJ) | Schedule HP → “Name & Address of lender” and “PAN of lender” |
| ITR‑2 / ITR‑3 | Schedule HP (same block) |
| ITR‑4 (SUGAM) | Part A – General → “Details of lender (for Sec 24/80C claims)” |
How to Get HDFC Home Loan Tax Documents for Specific Years?
Every tax return asks for the exact figures from that specific financial year—no more, no less. If you’ve held a HDFC home loan for several years, you may need certificates going back to 2016‑17 or earlier to support past deductions or respond to a notice.
The good news: with the portal, app, and a few customer‑care options, you can retrieve any year’s tax or interest certificate in minutes (and still get a stamped copy if the PDF isn’t online).
Getting Historical HDFC Tax Certificates
- Log in to the HDFC Customer Portal or mobile app with your registered mobile / email and OTP/password.
- Select the relevant loan account on the dashboard.
- Tap “Interest Certificate (Final/Provisional)”.
- Use the Financial‑Year dropdown and pick the year you need—FY 2016‑17, 2017‑18, 2018‑19, or 2019‑20.
- Click Download (PDF) or Email to send it to your registered ID.
- Save the file for your tax records.
What to do if older certificates are not available online
- Raise a service request inside the portal (Menu → Service Requests → “Historical Interest Certificate”).
- Email your loan account number and the required year.
- Call customer care on 1860 267 6060 and quote your loan details.
- Visit the nearest branch with your photo ID; staff can print and stamp a hard‑copy certificate.
- Allow 7 working days for older‑year requests to be processed (as per HDFC’s customer‑service TAT).
Troubleshooting Common Issues with HDFC Home Loan Certificates
Even the best online systems can hit a snag. If you’re stuck while viewing, downloading, or correcting your HDFC home‑loan documents, the quick fixes below should get you back on track.
Can’t Access the HDFC Online Portal
- Double‑check user ID and password entries—look out for extra spaces or caps‑lock mistakes.
- Clear browser cache → refresh the page → try again in an incognito/private window.
- Update outdated browsers or switch to another browser/app version.
- Disable ad‑blockers or VPNs that may block HDFC’s login script.
- Hit “Forgot Password” to reset credentials by OTP or email.
- Still locked out? Call HDFC customer care or email for account recovery.
Unable to Find or Download the Tax Certificate
- Verify you’ve selected the correct loan account under “Account Details.”
- Look for a “Financial Year” filter; select the year, then click “Generate.”
- If the document stalls, wait a minute and refresh; heavy server load can delay generation.
- Pop‑ups disabled? Allow downloads in your browser settings.
Issues with HDFC Home Loan Statement for Income Tax
- Cross‑verify interest and principal figures with bank debits and prior statements.
- Spot a mismatch? Email the statement and supporting proof (e.g., bank EMI alerts).
- Request a “Revised Interest Certificate” in the email subject line for faster routing.
- Follow up through customer care if no response within two working days.
- For urgent filing deadlines, collect a corrected hard copy from the branch and attach it to your return.
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Conclusion
The Home Loan Income Tax Certificate is a critical document for any home loan borrower looking to claim tax deductions. Whether you prefer an online process or a physical copy, HDFC Bank makes it simple and convenient to access your certificate. By keeping track of your home loan repayment details, you can easily plan your finances and maximize your tax savings.
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Frequently Asked Questions
It is a document that provides a detailed breakdown of the interest and principal amounts paid during a financial year. It is used to claim tax deductions on home loan repayments.
You can download your tax certificate by logging into the HDFC Home Loan portal, entering your loan account number, and requesting the certificate.
Yes, you can visit your nearest HDFC Bank branch to request a physical copy of the income tax certificate. You’ll need to submit a form and provide identification proof.
You can claim deductions of up to ₹1.5 lakhs on the principal repayment under Section 80C and up to ₹2 lakhs on the interest paid under Section 24(b) of the Income Tax Act.
Yes, under Section 80EE, first-time homebuyers can claim an additional deduction of ₹50,000 on interest paid, provided the loan amount and property value meet certain conditions.
You can request the income tax certificate once every financial year to claim your tax benefits during ITR filing.
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