How to Check Outstanding Balance in HDFC Home Loan

If you have an HDFC home loan and need to check your outstanding balance, there are several methods available to you. Each method is designed to be user-friendly and ensures that you can easily access your financial information. This guide provides a comprehensive overview of the various ways you can check your outstanding balance, including online methods, mobile app access, and through customer service.

1. Checking Outstanding Balance Online:

• HDFC Website: To check your outstanding balance through the HDFC website, follow these steps:

  1. Visit the HDFC official website.
  2. Navigate to the 'Home Loan' section.
  3. Click on the 'Customer Login' option.
  4. Enter your User ID and Password to log in.
  5. Once logged in, go to the 'Loan Summary' section.
  6. Here, you will find details about your outstanding balance, loan tenure, and other related information.

• HDFC NetBanking: If you have HDFC NetBanking access, you can also check your outstanding balance through the NetBanking portal:

  1. Log in to your HDFC NetBanking account.
  2. Select the 'Accounts' tab.
  3. Choose 'Loan Accounts' from the dropdown menu.
  4. Click on the specific home loan account for detailed information.
  5. Your outstanding balance will be displayed along with other loan details.

2. Using HDFC Mobile App:

• HDFC Mobile Banking App: The HDFC mobile banking app is a convenient tool to check your home loan balance. Here’s how to use it:
  1. Download and install the HDFC Mobile Banking app from the Google Play Store or Apple App Store.
  2. Open the app and log in with your credentials.
  3. Navigate to the 'Loans' section.
  4. Select your home loan account.
  5. You will see the current outstanding balance and other details of your loan.

3. Checking Through Customer Service:

• Customer Care Call: You can also check your outstanding balance by calling HDFC customer service:

  1. Dial the HDFC customer service number: 1800 22 4060 (for India).
  2. Follow the automated instructions or speak to a customer service representative.
  3. Provide your loan details and request information about your outstanding balance.

• Email Request: Alternatively, you can send an email to HDFC customer service:

  1. Compose an email to the customer service email address: [email protected].
  2. Include your loan account number and request for your outstanding balance.
  3. You will receive a response with the information you need.

4. Visiting an HDFC Branch:

• Branch Visit: If you prefer a face-to-face interaction, you can visit any HDFC branch:
  1. Locate the nearest HDFC branch using the HDFC branch locator.
  2. Visit the branch and approach the home loan desk.
  3. Provide your loan details and request information on your outstanding balance.
  4. The bank representative will assist you in obtaining the required information.

5. Using SMS Services:

• SMS Banking: HDFC offers SMS banking services for checking loan details:
  1. Register for SMS banking if you haven’t already.
  2. Send an SMS with the required format (e.g., "HOME LOAN BALANCE") to the designated number.
  3. You will receive a response with your outstanding balance and other loan details.

Conclusion:

Checking your outstanding balance on an HDFC home loan is straightforward and can be done through various convenient methods. Whether you prefer using online platforms, mobile apps, customer service, or visiting a branch, HDFC provides multiple options to ensure that you have easy access to your loan information. Always ensure that you have your loan account details handy for a smoother process, and don’t hesitate to reach out to HDFC’s customer support for any assistance you might need.