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Personal Loan Status Research Team | Posted On Monday, December 24,2018, 04:11 PM

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Personal Loan Status



Check loan application status:

An applicant can easily check the status of loan application by visiting the online web portal of the bank or through net banking. Applying for personal loan can be done both online and offline. Most banks have developed user-friendly online loan status tracking tools to help applicant’s check the status of loan application as well as use various tools to make the banking process easy. Applicants, who are not acquainted with the online process, can opt for offline customer care service.  One may also keep the application, loan form or the reference number handy, so as to contact the call-centre in order to get the updates. 

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Personal Loan Status

Personal Loan Status Check Offline:

An applicant can raise an enquiry about his/her personal loan application status by using the following offline methods:

  • Personal Loan Customer Care: An applicant calls the customer care number of the bank for any queries related to the application status of personal loan.
  • Bank Branch: An applicant can also visit the branch where he has applied for the loan and meet the officer-in-charge to know the status of personal loan application.

Personal Loan Status Check Online:

An applicant can easily check the personal loan status by availing the online tools and calculators. Banks provide customers with a simple and easy way of checking the status of personal loan. To check your personal loan status the applicant needs to visit the online portal of the bank and provide the following inputs:

  • Applicant Name
  • Reference Number
  • Date of Birth
  • Mobile Number
  • PAN Number

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How to track personal loan status:

For a personal loan applicant, there is a quick and hassle free way of tracking the personal loan status. You can monitor the status of your personal loan application conveniently, simply by going to the official website of the Bank. The website contains Personal Loan status trackers. Follow the process given below to check your Personal Loan Status

  • Sign up for a loan account with the Bank by entering your email ID and creating a new password.
  • This loan account will assist you in tracking your loan applications, coordinating and managing all your loan applications
  • Once you have created the Loan Account, you can log in to the account with your registered email ID and registered password
  • Click on ‘Sign in’.
  • Now, you can key in your loan account number and get full details about the status of your loan application.

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How to apply for a personal loan?

There are several ways to apply for a personal loan:

Online application: This can be done easily if you have an account with the bank from which you intend to take the loan. But, even if you don’t have a net banking account with the bank, you can apply online through the bank’s website. You also need to upload scanned copies of the documents required for the processing.

Offline request at branch: Walk into the nearest branch of the bank of your choice and request a loan from the relationship manager. It generally takes up to 30 days for your loan application to be processed and approved. You can also apply for personal loan by calling the customer care number of the bank.

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Documents required for personal loan:

Below listed are the documents needed to apply for the loan:

  • Completed loan application
  • Passport size photograph.
  • Proof of ID – Passport/ Voter ID/ PAN Card
  • Proof of age – Birth certificate/ passport
  • Proof of residence – Passport/ Utility bill.
  • Bank statement of previous 3 months
  • Proof of income- IT returns statement / Last 2 year’s balance sheet/ profit and loss statement certified by a CA.

Personal Loan Eligibility Criteria:

  • The applicant should be a Resident of India
  • The applicant should be of the age bracket of 21-65 years at the time of application
  • The minimum income of the applicant should be Rs 20,000 each month. However, the minimum monthly income varies according to area and is generally higher in cities.
  • The minimum work experience in the current business for at least 3 years for self employed and at least 1 year for salaried individuals.
  • The tenure of repayments ranges from 6 months to 5 years
  • The preferred credit score is 750 to avail a personal loan.


How can I track my personal loan application status?

The applicants can check the status of personal loan either online or by visiting the bank or by calling the customer care number. To track the status of personal loan application, the applicant must provide some important details like Applicant Name, Reference Number, Date of Birth, Mobile Number or PAN Number.

Will only a bank’s customers be eligible for a personal loan?

The existing customers might end up getting a better interest rate on their personal loan and better personal loan terms; however it is not restricted to existing customers alone. Any individual can apply for a personal loan provided they meet the loan eligibility criteria.

How can I repay the personal loan?

You pay the loan in equated monthly installments (EMIs). The loan will be paid through post-dated cheques. You can also pay through Electronic Clearing System (ECS) or a standing instruction to debit your account with the EMI amounts.

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