Loan Statement: How to Check and Download Personal Loan Statement

Whenever you have a financial crunch, you can always avail a personal loan and get your work done. Whether it is for education, travel, or any other personal requirement, you can always rely on personal loans to get the funds. But getting a personal loan is often a big step as you need to consider a lot of things including repayment options, interest rates, and more before availing the offer. But once you have got the loan amount, how would you keep track of the funds and manage everything smartly? Well, that’s where your personal loan statement can help you. In this guide, we will be focusing on learning the basics of a personal loan statement, what it includes, and how you can check and download your personal loan statement.

What is a Personal Loan Statement?

A personal loan statement is a document that shows every detail of your loan account, including your name, loan amount, interest rates, loan tenure, repayment schedule, EMIs paid, and other key aspects of your personal loan. In other words, it is your financial report that outlines the important segments of the loan you have availed. A personal loan statement is of great use as it helps you keep track of your payments and understand the overall status of your loan. The statement is generated every month and is accessible both online and offline by the borrower.

What’s On a Personal Loan Statement?

Your personal loan statement has several important components that offer a summary of your loan. You must understand these elements as knowing them would certainly help you in effective financial management. So, here we go:

Borrower Information

This includes your full name, contact details, and other personal information.

Loan Details

These details include all the basics about the loan including the principal amount, which is the initial amount borrowed, interest rate, the percentage charged on the borrowed sum, and loan tenure, and the duration for which the loan has been sanctioned. Your personal loan statement would also show whether the interest charged on it is fixed or variable.

Transaction History

A detailed record of all transactions related to your personal loan is also included in the statement. With this, you would be able to know about your EMI (Equated Monthly Instalment) payment details.

Repayment Schedule

The personal loan statement also shows your repayment plan including due dates and amounts. If you have any penalties or charges incurred for late payments or any outstanding balance, the statement will mention them.

Disbursement and Closure Details

Information about the disbursal of the loan amount and the confirmation of loan closure is also given.

Also Read: The Top Loan-Related Terms You Must Know About

How to Check and Download Personal Loan Statement for Other Loans

How to check bank statement

Now that you understand what a personal loan statement includes, let’s take a look and understand the major ways through which you can check and download the statement.


Log in to your bank’s online banking portal using your credentials. For Cashe, you need to visit the official website Once you have logged into your account, go to the loan section or account summary and look for the option related to your loan statement.

Mobile Banking App

You can also download and install the mobile app on your smartphone. Log in to the app using your credentials and then again, find the loan section and access your statement.

SMS/E-mail Alerts

You can also check your personal loan statement with the help of SMS or e-mail alerts.

Customer Care Assistance

You can also contact your bank’s customer care. You can then request assistance in obtaining a copy of your loan statement.

Physical Statements

If you wish to have hard copies, then you can also visit your bank’s branch and request a physical copy of your personal loan statement.

Download the Personal Loan Statement

Once you view your statement on the website or the mobile app, go to the option provided on the page to download it. Choose the preferred format and save the file to your device. Voila, you have all the details of your personal loan in your hands.