How to Download HDFC Car Loan Statement Online in 2025

HDFC Bank is one of India's largest private sector banks, providing a wide range of financial products such as vehicle loans with affordable interest rates, flexible repayment alternatives, and transparent loan administration. HDFC, which is known for its customer-friendly services and timely payments, guarantees that borrowers can easily manage their loan details by providing detailed vehicle loan summaries.

Understanding Your HDFC Car Loan Statement: An Example

Priya, a marketing professional from Bangalore, secured a ₹8,00,000 auto loan from HDFC Bank with a 5-year duration (60 months) and an annual interest rate of 9.5%. After 8 months of repayments, she checked her loan statement to see where she was.

Here’s what Priya observed in her statement:

This statement gave Priya a clear snapshot of her repayment progress, interest burden, and potential savings from prepayment, helping her make informed financial decisions.

Why Is Your HDFC Car Loan Statement Important?

1.  Your HDFC vehicle loan statement is an important financial document that includes:
2.  Complete loan overview: sanctioned amount, term, and EMI schedule.
3.  Payment breakdown: Principal versus interest paid to date.
4.  Outstanding balance - Check remaining debt to improve planning.
5.  Prepayment/foreclosure insights - Calculate the interest savings from early closure.
6.  Tax benefits include interest paid (Section 80EEB) for easier tax filing.
   
   Read More – How to Check Vehicle Details – Step-by-Step Online Guide

With this information, you can optimise repayments, lower interest rates, and maintain control over your vehicle loan journey.

Components of a Loan Statement

Here’s a well-structured table to help understand the components of an HDFC CAR Loan Statement clearly:

This table provides a clear breakdown of what you’ll find in an HDFC CAR Loan Statement, making it easier to track and manage your loan efficiently.

HDFC Car Loan Repayment Summary (8 Months)

Key Points:

1. ₹ 1.34 L paid (₹87K principal + ₹47K interest)
2. 65% of payments reduced principal
3. ₹7,13,000 balance remaining
4. The interest portion decreases with each EMI.

How to Get a Loan Statement?

Managing your loan effectively requires regular monitoring of your loan statements. Whether you need it for financial planning, tax purposes, or simply to track your repayment progress, HDFC CAR offers multiple convenient ways to access your loan statement. In this comprehensive guide, we'll walk you through all the available methods with detailed steps and real-life examples featuring Rajesh, who recently obtained his loan statement using these methods.

Why Do You Need Your Loan Statement Regularly?

Before we dive into the how-to, let's understand why keeping track of your loan statement is crucial:

• EMI Tracking: Monitor your monthly payments and due dates
• Tax Benefits: Claim interest deductions with proper documentation
• Loan Closure: Verify your outstanding balance for prepayment
• Dispute Resolution: Identify and rectify any discrepancies
• Financial Planning: Better manage your overall finances

1. Via Net Banking

Steps:

1. Log in to HDFC Net Banking
2. Go to "Loans" > "Car Loan"
3. Select your loan account
4. Click "View Statement."
5. Download or print the PDF.

Example:
 

Isha needed her statement for tax filing. She logged into HDFC Net Banking and downloaded her statement instantly.

2. Through the Mobile Banking App

Steps:

 

1. Open the HDFC Bank Mobile App
2. Go to "Loans" > "Car Loan"
3. Tap "Statement."
4. Choose duration (Last 6 months/1 year)
5. Save or email the statement.

Example:
 

While travelling, Isha checked her loan balance via the HDFC app and saved the statement.

3. By Visiting an HDFC Branch

Steps:

1. Locate the nearest HDFC Branch
2. Carry your loan account number and ID proof
3. Request a statement
4. Collect the printed copy.

Example:
 

Isha visited her nearest HDFC branch and received the statement in 10 minutes.

4. Via Customer Care

Steps:

1. Call 1800 266 4332
2. Verify your loan details
3. Request an emailed/SMS statement
4. Receive it within 24 hours.

Example:
 

When Isha couldn't access online banking, she called customer care and got her statement emailed.

5. Through SMS/Email Request

SMS:
 

Text "CARLN <Last 4 Digits>" to 5676712

Email:

1. Email loanservices@hdfcbank.com
2. Mention your loan account number
3. Receive the statement in 1-2 days

Example:
 

Isha sent an SMS and received a mini-statement instantly.

Pro Tips for Easy Loan Statement Access

• Always keep your registered mobile number and email updated
• Save digital copies in a secure folder for future reference
• Set reminders to check your statement monthly
• Contact customer care immediately for any discrepancies

Step-by-Step Guide to Download a Loan Statement

Accessing your loan statement is simple with HDFC CAR. Here’s a clear guide to help you download it through different methods.

Method 1: Download via Net Banking

1. Visit the HDFC Bank Net Banking portal
   
   
2. Log in using your Customer ID and Password
   
   
3. Go to the "Loans" section from the dashboard
   
   
4. Select your active loan account
   
   
5. Click on "View Statement" or "Download Statement"
   
   
6. Choose your preferred date range (if required)
   
   
7. Download the statement in PDF or Excel format.

Method 2: Download via Mobile App

1. Install the HDFC Bank App from:
   
   
   • Google Play Store
   • Apple App Store
     
     
2. Log in using your registered mobile number and MPIN
   
   
3. Tap on "My Loans" from the home screen
   
   
4. Select your loan account
   
   
5. Click on "Loan Statement."
   
   
6. Choose the duration (Last 6 months / 1 year / Custom range)
   
   
7. Download or email the statement for your records.

Method 3: Offline Request (Branch/Customer Care/Email)

Option A: Visit an HDFC CAR Branch

1. Find your nearest branch using the Branch Locator
   
   
2. Carry your loan account details and a valid ID proof (Aadhaar/PAN)
   
   
3. Request a loan statement from the customer service desk
   
   
4. Collect the printed copy immediately.

Option B: Call Customer Care

1. Dial 1800 2600 (toll-free)
   
   
2. Verify your loan account number and registered mobile number
   
   
3. Request the statement to be sent via email (within 24 hours) or SMS (instant mini-statement).

Option C: Email Request

1. Send an email to  loanservices@hdfcbank.com with:
   
   
   • Subject Line: "Request for Loan Statement"
   • Body: Loan account number, registered mobile number, and email ID
     
     
2. Receive the PDF statement via email in 1-2 working days.

Which Method Should You Choose?

• For instant access: Use the Mobile App
• For detailed history: Use Net Banking
• For physical copies: Visit a branch
• Without internet: Call Customer Care

Important Notes

• Always keep your registered mobile number and email updated for smooth access
• Save or print statements for future reference and tax purposes
• Regularly check statements to track repayments and interest details

Charges & Fees for Loan Statements

Note:

• Charges are indicative and subject to change
• Digital methods remain free and recommended
• Confirm exact fees with customer care before requesting physical statements.

How to Read Your Loan Statement?

How to Use This Table

1. Locate each section in your statement
2. Match the details with your records
3. Verify calculations for accuracy
4. Note any discrepancies for follow-up
5. Keep for reference in financial planning

Common Issues & Troubleshooting

Conclusion

HDFC CAR loan statement is your financial roadmap, detailing every EMI, interest charge, and outstanding balance. By understanding its components, principal/interest split, transaction history, and prepayment options, you gain control over your loan management. Regular reviews ensure accuracy, help spot savings opportunities, and maintain good credit health. 

Also Read - HDFC Bank Net Banking

Digital access provides convenience, while physical copies serve as important records. Address any discrepancies immediately through customer care (1800 2600) or branch visits. Staying informed through your statement transforms you from a borrower to a smart financial manager, optimising repayments and maximising benefits.

Frequently Asked Questions (FAQs)

How can I download my loan statement offline?

Visit any HDFC CAR branch with your loan account details and ID proof to request a physical copy.

Are there extra charges for urgent statement requests?

Standard requests are free, but rush delivery via courier may incur ₹100-200 charges.

When will my recent payment reflect in the statement?

Payments take 24-48 hours to process before appearing in your updated statement.

What if my statement shows an EMI bounce?

Check your bank account for insufficient funds and pay any penalty charges immediately.

Can I get statements for a closed loan account?

Yes, closed account statements are available for up to 7 years upon request.

Where can I find foreclosure details in my statement?

The "Loan Closure" section shows your final settlement amount and any applicable charges.

Why does my statement show two different interest rates?

This occurs if your loan has both fixed and floating rate components.

How do I change my statement delivery method?

Update your preference in the app under 'Profile Settings' > 'Communication Preferences'.

What should I do if my statement has missing transactions?

Submit your payment proofs via email to loanservices@hdfcbank.com for reconciliation.

How can I use my statement to improve my credit score?

Regular, timely payments reflected in your statement positively impact your credit history.

Where can I find the GST breakdown in charges?

All applicable taxes are itemised separately in the "Fees and Charges" section.

Why does my statement show a future due date?

This indicates your next upcoming EMI payment for advance planning.

How do I verify if my prepayment was adjusted correctly?

Check both the "Principal Outstanding" reduction and the next EMI due date adjustment.

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About the Author

LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?