How to get home loan interest certificate from UCO Bank?

To get your Home Loan Interest Certificate from UCO Bank, you have two easy options — online through net banking, mPassbook/mobile app, or a dedicated certificate portal, and offline via your local branch.

🖥️ Online Method (Net Banking / Certificate Portal)

1. Certificate Portal (fastest & no login needed):

   • Visit the UCO Bank “Loan Certificate” page on their website.

   • Select Home Loan type, enter your Loan A/c Number, Customer ID, and Financial Year.

   • Click Submit → you’ll receive an OTP → enter it → download the PDF certificate (provisional)

2. Net Banking / UCO mBanking+ app:

   • Log into UCO Net Banking or the mBanking+ mobile app.

   • Go to Enquiries → select Home Loan Provisional Certificate.

   • Enter your loan details → view/download the certificate.

3. UCO mPassbook App (alternative):

   • Use mPassbook app to view loan account transactions and generate statements.

   • Not guaranteed to include the formatted Interest Certificate — better to use methods above.

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🏦 Offline Method (Branch Visit)

1. Visit your home loan branch.

2. Request and fill out the Loan Interest Certificate Form: includes loan A/c no, PAN, borrower details.

3. Submit with identity proofs (PAN, Aadhaar).

4. Bank staff will process and issue a printed interest certificate.

🔍 Tax Filing Use

The certificate shows details of loan principal, interest paid, and helps you claim deductions under Sections 24(b) and 80C/80EEA. Always good to use the official certificate rather than just statements.

✅ Summary of Steps

➕ Pro Tip

• Use the Certificate Portal – quick and accessible any time.

• Keep copies for tax filing before filing your ITR.

• If you need a certificate after full loan repayment, ask branch for a final NOC, which typically includes loan closure and accumulated interest.