If you have a housing loan from LIC (Life Insurance Corporation) and need your loan interest certificate, you’ll be pleased to know that you can easily obtain it online. LIC provides a convenient way for its customers to access and download their housing loan interest certificates without any hassle. Here’s a step-by-step guide to help you get your LIC housing loan interest certificate online.
Step 1: Visit the LIC official website
The first step is to visit the official website of LIC (www.licindia.in).
Step 2: Navigate to the Customer Portal
Once you are on the LIC website, find and click on the “Customer Portal” option.
Step 3: Register or Login
If you haven’t registered on the LIC customer portal, click on the “New User” option to create an account. Fill in the required details and create your login credentials. If you already have an account, simply log in using your username and password.
Step 4: Access your loan account
After logging in, find the “Loan” tab or option and click on it to access your loan account.
Step 5: Generate the interest certificate
Once you are in your loan account, look for the “Interest Certificate” option and click on it. You will be asked to select the financial year for which you require the certificate.
Step 6: Verify and download
A preview of your interest certificate will be displayed on the screen. Take a moment to review the details and ensure everything is accurate. If everything looks good, click on the “Download” button to save the certificate as a PDF file.
Step 7: Print or save the certificate
Once the certificate is downloaded, you can either print it for your records or save the PDF file for future reference.
Frequently Asked Questions (FAQs)
1. Can I get the LIC housing loan interest certificate without registering on the customer portal?
No, registering on the LIC customer portal is mandatory to access and download the interest certificate.
2. How long does it take to generate the interest certificate online?
The process of generating the interest certificate online is almost instant. You can access and download it within a few minutes.
3. Can I generate an interest certificate for multiple financial years at once?
No, you can only generate an interest certificate for one financial year at a time. Repeat the process for each year you require a certificate.
4. Can I request a physical copy of the interest certificate from LIC?
Yes, you can request a physical copy of the interest certificate from LIC by contacting their customer support.
5. Is there any fee for obtaining the interest certificate online?
No, there is no fee associated with obtaining the interest certificate online. It is provided free of cost.
6. Can I access the LIC customer portal from a mobile device?
Yes, the LIC customer portal is accessible from both desktop and mobile devices through a web browser.
7. Can I download the interest certificate multiple times?
Yes, you can download the interest certificate multiple times if needed. It is advisable to save a copy for future reference.
8. What should I do if there is an error in my interest certificate?
If you notice any errors in the interest certificate, you should contact LIC’s customer support for assistance and clarification.
9. Can I use the downloaded interest certificate for tax purposes?
Yes, the downloaded interest certificate can be used for tax purposes, especially when claiming deductions on home loan interest.
10. Can someone else, like my spouse, access and download the interest certificate on my behalf?
No, the interest certificate can only be accessed and downloaded by the account holder after logging into their customer portal account.
11. Do I need any special software to open the downloaded interest certificate?
No, the downloaded interest certificate is in PDF format, which can be opened by various PDF readers available on most devices.
12. Can I generate an interest certificate if my loan is still ongoing?
Yes, even if your loan is ongoing, you can still generate an interest certificate for the completed financial years. However, the interest certificate for the ongoing financial year may not be available until it is completed.